vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear XXXX XXXX Transunion XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has  already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear XXXX XXXX XXXX Experian, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX XXXX XXXX reported service of XXXX 2017. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have NEVER Had an account with XXXX XXXXXXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
Dear Arresources XXXX XXXX XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of  receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from Arresources and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX  and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. 

Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. 

I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. 

They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN removes and then adds collection accounts XXXX XXXX XXXX {$290.00} XXXX XXXX {$270.00} they refuse to answer any correspondence I have sent and I am unable to dispute on the website

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried several time to get an account- XXXX XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Portfolio Group
State: WA

Complaint narrative:
Repeated phone calls/messages left daily for months and months to my cell phone saying i have a bad check I have told them I do not and never had any bad checks to anyone I have asked them numerous times to send any collections they may have to me in writing to my home address They never have done so. In months I have asked them numerous times to stop calling my cell phone They still continue daily for months! 

I have emailed them and sent a letter to the address they gave me asking for the calls to stop including the hopefully last time today What else can i do Please get these calls stopped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. On XXXX/XXXX/XXXX - It got Credit report from " XXXX " that contain one out of 4 names.

wrong. They told me to contact Capital One Auto finance, who reported that information.

2. When I called XXXX, they me told me that name was provided by Capital One Auto finance and that modification can only requested by Capital One Auto finance only.. 
3. When filed dispute with them, on XXXX/XXXX/XXXX Capital One Auto finance, conveyed me to call their XXXX XXXX 4. I have been have been in communication with Capital One Auto finance number of times, since XXXX/XXXX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XXXX/XXXX/XXXX, as requested by XXXX XXXX of Capital One Auto finance 's president 's office. 
5. When called Capital One Auto finance on XXXX/XXXX/XXXX at XXXX am XXXX, they told me to call again XXXX tel # XXXX. 
6. I called XXXX tel # XXXX XXXX/XXXX/XXXX at XXXX am XXXX, they told me that there has been only one updated from Capital One Auto finance on XXXX/XXXX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by Capital One Auto finance only, This is very stressful for a person who is 75 years ... .. 

Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The Wells Fargo Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I agreed to a settlement amount with the company to close the account. I made the payment at a local branch the next day and was not able to get a letter to confirm my settlement was paid off and I had a zero balance. I contacted the customer service the following business day and requested my letter to be faxed. I was told i had to wait 10 days for the payment to post then i would get my letter. After calling several times to follow up i requested my letter be faxed on XXXX/XXXX/XXXX and specifically state i have no pending payments, a zero balance and the account was settled. after not receiving a fax 2 days later i called again and was told it could take up to 7 days to receive the fax. Once received on XXXX/XXXX/XXXX the letter does not state i have settled this account or have a zero balance which is what was requested several times during this waiting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax shows a collection my account with no information on who original debtor is all it shows is {$160.00} collection account this is my 3rd request and NO response this is obviously fraudulent and my SS # has been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Good morning. 

In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I opened a checking account with BB & T in XXXX XXXX. About a year later my ATM card had been breached and I was concerned with hackers being able to access my checking account. I went to the BB & T branch in XXXX XXXX to move some of my funds out of the checking account and open a savings account. While opening the savings account I asked XXXX XXXX if they could link my saving account to my checking account. He said NO. I told him I wanted overdraft protection on my checking account. He stated that he could offer an overdraft protection that would cover low funds but there would be a {$12.00} charge each time it was used. The normal fee is around {$30.00}. I accepted this overdraft protection. XXXX DID NOT tell me that the overdraft protection was a " constant credit '' account. Nor did he inform me that the account would be subject to an 18 % APR. He did not inform me that there would be a payments on the constant credit account. He NEVER told me that the overdraft protection was new account based on credit at 18 % interest. In XXXX I became aware of the account because BB & T changed their online banking website. For the first time I saw that along with a checking account and savings account, I had another account. I went to the bank the same day and spoke to XXXX. He informed me that HE did not set up the account, he stated it was set up by XXXX XXXX and XXXX no longer worked at the bank. XXXX told me there was nothing BB & T could do about the account, the interest charges or fees on the account. I contacted the XXXX number for BB & T later that day and discovered that XXXX XXXX was actually the person who set up the account, he was the person who had told me in person that BB & T could NOT link my savings account to my checking account. To date I have personally contact acted XXXX two times and personally talked to the branch manager. So far they have offered to void the last 90 days of interest on the account. I have more of an issue with the fact that the bank representative, XXXX XXXX, lied to me regarding the ability to link my savings to checking. Also that he failed to inform me that his overdraft protection was actually a credit account at 18 %. I would be satisfied if BB & T would acknowledge that I was mislead and concede any debt on my behalf pertaining to the 18 % interest they charged on an account I did not know existed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to dispute a billing error in the amount of {$920.00} on my account from the merchant XXXX that was closed in error due to the incompetence of your dispute billing staff. The prescription lens were received damaged and replacement has been continually delayed. This was explained to your rude representative with the statement that the goods had not been received and the dispute should not be closed until they are received the vision check with the Dr . 

You incorrectly and prematurely closed the disupte and the lens when viewed on XXXX/XXXX/2017 were again cracked and again need to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US)
State: MI

Complaint narrative:
I receive 2-3 robo calls a day from allied international. 
I never gave permission to call me on my cell. 
I do n't know how they got my cell number.

Company response to consumer: Closed with explanation