vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. 

Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 8. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX  XXXX- " Requested '' XX/XX/XXXX 10. ) XXXX- " Requested '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX- " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 8. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.

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 2018-09-29 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: TN

Complaint narrative:
In the dispute results of File Number : XXXX dated XX/XX/18, Transunion stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.transunion.comXXXX  ) during the initial dispute process TransUnion should have contacted XXXX  XXXX XXXX about the information disputed, instructed XXXX   XXXX XXXX to review my dispute, to verify all information reported, provide Transunion a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Transunion by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX  XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.

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 2018-09-29 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: NY

Complaint narrative:
I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports

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 2018-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Exactly the same issue as reported in a CFPB complaint # XXXX in XX/XX/XXXX ( see the attach ). Chase Bank delete all the unauthorized inquiries at that moment to my credit file. And now access to my XXXX file on : XX/XX/XXXX / XX/XX/XXXX / and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There is an erroneous charge the XX/XX/2017 statement for the amount of {$2700.00}. labeled " adjustment Goods/Services extended payment option '' Reference : XXXX XX/XX/2017. How did this number get generated.In addation I would like to request a " AXP Internal '' audit for the year 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Maryland changed the statute of limitation to collect on a Mortgage loans to Three ( 3 ) years from Twelve ( 12 ) years. 
A lender who fail to foreclose on a loan within three years, on an owner occupied property, can not take any LEGAL action to collect the debt. 
the last time according to the lenders record any payment was made was XX/XX/2010. 
They are not disputing the Maryland law, but are not interested in releasing the LIEN The LIEN IS UNENFORECABLE under Maryland law. 
We request them to release the LIEN ASAP..

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I was in the process of buying a car. However I was not aware that the company that I was buying the car ran my credit over 15 times with multiple different companies. Consequently no company agreed to finance me due to not showing enough debt to income. With that being said, I still am stuck without a vehicle. So I took it upon myself to write to the different companies asking for favor, second chances and good faith. If they could not find any of the 3 then would they please remove this inquiry so that I will have the opportunity to purchase a vehicle. Thus far several of the companies have worked with me and removed the inquiry because they understand that NO-ONE is going to finance me with all of these inquiries on my credit report. They also apologized for the inconvenience and stated that give it 30-45 days to clear and to find a better paying job then come back and they will try to work something out for me. 

Now my problem is this company called Nicholas Financial Inc. will not budge. XXXX XXXX XXXX has stated in several of the letters that even though they will not finance me, nor give me an option to receive a second chance, they will not remove this inquiry. Then she stated in another letter that all dealerships have the right to pull credit reports even if they know they are not going to finance that person. So what is the purpose of pulling someones credit report when you know that it will hinder their chances in the future. 

I have sent 3 letters, pleading and begging that XXXX XXXX please remove this inquiry. I still need to purchase a vehicle so that i can get to the " low income '' job as was stated in another letter. I still need a vehicle to get to and from period. 

Why is it so hard for you to remove this inquiry? What would happen if this inquiry removed? Who would hurt from your company if you deleted this inquiry? 

XXXX XXXX also wanted me to know, " that several inquiries over a short period of time from the same type lender within a short period of time only affect your credit ''! With that being said, then what is the hassle to help someone out and remove the inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
On XX/XX/XXXX, I reached out to XXXX XXXX XXXX , XXXX, regarding a debt that is not mine, but is reporting on my credit report for via XXXX in the amount of {$420.00} with an open date of XX/XX/XXXX, via letter. The letter asked them to validate and verify the debt within 30 days, and if not validated nor verified during the allotted time frame, that a complaint would be filed due to noncompliance with this request and could possibly put the company in legal trouble with the FTC and other state or federal agencies. It is well over 30 days and I have not received a response. Under the FCRA 15 U.S.C. 1681i, all inaccurate, no contract, invalidated, and unverifiable accounts must be promptly deleted. Therefore, since they were unable to verify and validate this debt, I am asking that it is removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: NY

Complaint narrative:
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

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 2018-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

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 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
So yesterday, I was in contact with someone who pretended to be the famous rapper XXXX, which they were not. They were posting on the accounts XXXX story that he, XXXX, was doing features and to message him being PayPal ready. Of course me, a musician at heart and a huge fan of this artist, took up the chance and messaged him confirming that it was the self proclaimed rapper, which he then claimed to confirm was him. He asked me to send him {$1000.00} dollars via PayPal, which I ended up doing. Throughout that, as he said he was going to the studio to record later that night, he told me that he was not able to do the track anymore because he had certain spots open and they were now offering {$2000.00}. He said that he would refund me, and when an hour passed with no refund, he never answered me back and ended up deleting me off of XXXX. I am still {$1000.00} dollars out, and I have screenshots of the conversation, his PayPal account, his XXXX name and everything. He also forced me to make it sent to a friend/family instead of doing to for business so that was he could get the money now and use it for the studio. The name of the XXXX account is @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TN

Complaint narrative:
In the dispute results of report XXXX-XXXX-XXXX for XX/XX/18, you stated in writing that you stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MS. XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.experian.comXXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX  XXXX about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.

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 2018-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To whom it may concern : I am writing this complaint due to Midland Credit Management is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX- XXXX XXXX XXXX . The MCM account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX XXXX XXXX. However I am now receiving these statements from MCM stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, MCM is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, one year after it was revealed that Experian was giving access to individual credit freeze PINs to *ANYONE* who could provide a social security number as well as answer security questions with information that is EASILY obtained through public records. The original security blog is provided here for reference ( XXXX XXXX XXXX ) demonstrating as such, I found out today that all 3 credit bureaus are STILL making this PIN available to anyone who can provide the proper information to obtain it. 

I will remind you, that this PIN is NOT supposed to be known by the credit bureaus at all. Them being able to find it defeats the entire purpose of a credit freeze. Only the owner of the data ( me ) is supposed to be able to unlock it. In essence, my, and millions of other Americans ' credit files ARE NOT LOCKED if anyone can obtain the unlock PIN using simple information and a SSN.

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