vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Other financial service — Check cashing
Issue: Disclosures — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: FL

Complaint narrative:
Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. 

I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.

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 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: GFS II, LLC
State: FL

Complaint narrative:
There is an open car loan in my name from 2005. It is showing open with a balance of {$24000.00} and XXXX credit limit XXXX Payments XXXX Past due. I called this company Gateway Financial for 3 weeks requesting they fax me a letter stating I have no car loan an to please fix my credit through them. I have n't received no phone calls, every time I call I get the same response " the credit department is n't in today ''. I am at wits end on what else to do to rectify this issue with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : 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 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
The original debt of {$520.00} has been paid to the original creditor, XXXX, about a 1 1/2 years ago. CDI Affiliated Services insist I owe them a sum of {$260.00} of pure interest. There is no more principal because XXXX accepted my payment in full in order for me to receive services from them again. As far as I can tell CDI A.S. is in a violation of The Fair Debt Collections Act 808 15 USC 1692f Section ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
I can assure you no such agreement was ever established or authorized while creating the debt. CDI is not attempting to collect a single penny as principal, but rather {$260.00} of pure interest. Are they, or are they not in violation of this Fair Debt Collection Practices Act? They still currently show as owing XXXX {$260.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Northland Group Inc
State: AZ

Complaint narrative:
I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC
State: TN

Complaint narrative:
I filed a complaint some time back when my loan was sold back to Movement Mortgage. When it was transferred back I never received a payment book or a monthly statement. After contacting them they sent me an email with only my payment amount and due date. They also stated that my loan was in the process of being sold and they needed a month or so to get it transferred. At this time I closed the complaint thinking it would be transferred. 5 months went by and still my loan was not transferred. I contacted them once again and again they said it was in the process. Finally, We just refinanced to get out from under them. This company has cost us a lot of money. Now here we are at tax time and I have not received my XXXX. I am not surprised. Still to this day I have never received anything with any details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
On XXXX XXXX I submitted a check for payment of merchandise in the amount of {$110.00} to XXXX XXXX. The company that they use to authorize checks, Certegy, refused to authorize the check and told the cashier she could not give a reason and told her to tell me to call my bank. Called my bank on XXXX XXXX. They explained they have nothing to do with this and it never came in to XXXX XXXX XXXX XXXX. Called Certegy ( see online they had a fine of XXXX dollars against them in XX/XX/XXXX ). They told me it had nothing to do with my credit or anything to do with me. It was their computer model. Their programmers seem to be incompetent. How many other people has this happened to. I have a debit card from my business account but I did n't want to use my business account for this purchase. I have excellent credit. Certegy is denying people with no history of bounced or bad checks for no good reason.

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 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jacobs, Marsh LLC
State: WV

Complaint narrative:
I submitted a complaint to CFPB on XXXX/XXXX/2015 about Jacobs Marsh LLC repeatedly contacted myself concerning a debt owed that is not mine. Case number : XXXX. 
The company responded to my complaint on XXXX/XXXX/2015 by stating : " we have removed all active numbers that are associated with XXXX XXXX 's phone number. " This Company has not removed all active numbers that are associated with my phone number as stated as I am still receiving calls from Jacobs Marsh LLC so I am summitting again the same complaint. 
I have their number on my caller id with dates and times with the last one received XXXX XXXX, 2015 from : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Debt Management Solutions, LLC
State: FL

Complaint narrative:
A man keeps calling my cell phone looking for a XXXX XXXX, my name is similar in last name only " XXXX '' & I do n't know this person & wish they would stop calling my personal cell ( I have had the same number for 20 years ). I did tell him to stop calling but he continues. 
The Number they are calling from is XXXX I also keep getting a recording from XXXX & it is a robot that is offering air conditioning services. 

Please let me know if you can help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Financial Solutions, LLC
State: WI

Complaint narrative:
Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nationwide Debt Management Solutions, LLC
State: FL

Complaint narrative:
Constant calls to cellular phone. 
Constant calls to my employer sharing personal information. 
Old debt which was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.

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 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Was not happy with the decision made so I investigated it further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report.

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Io, Inc.
State: MD

Complaint narrative:
someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter.

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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my second dispute on here for Experian. I had mailed and disputed on here recently concerning the different address 's that they had listed on my credit report that was wrong and incorrect. I have printed a credit report directly from Experian 's website that would support my claim. In which I have attached to this dispute. I am again disputing the address ; s that are listed on my personal information section of the credit report. My current address for the last XXXX years has been and still is XXXX XXXX XXXX XXXX, XXXX XXXX. The address 's other than this one that you have listed is not mine 's and should be removed. Here are the address 's that are listed on your credit report that are wrong and needs to be removed:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX.This is my great aunt 's home and mineXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is a friends house not mine and why is it even connected to me I do n't know. my goodness. 
Address : XXXX XXXX, XXXX XXXX identification number : XXXXType of Residence : Single familyGeographical Code : XXXXThat was the last address. Now I have also have another dispute that has n't been removed from my credit report which is a collection item from XXXX XXXX. Ths collection agency has sent me a deletion letter because the collection account that hey were collecting own should not have been. Could you please process the deletion off my credit report. My Utility Bill and my Drivers License for Verification of Identity is attached. I hope this is through enough for Experian to follow.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance, they refused even though they had previously filed for payments, for which they also overcharged. 
I am a XXXX XXXX unemployed veteran, living with friends, so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX, in pain and unable to bite normally. They 're failure to complete the work, left me decades for 2 years. I am on a fixed income and am a XXXX over XXXX. 
I became so desperate a friend sent me another dentist, who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX, who did bill my insurance and took payments as this dentist originally indicated she would. 
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}, has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have, in fact reported these erroneous fraudulent charges and they are on my credit report with all XXXX major credit reporting agency.

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a credit score that I 'm not understanding. Within the past 2 years actually less than that. I 've opened 4 new accounts and have n't missed a payment nor has it been late with these new accounts. I 've checked my scores recently and nothing about my score has changed in almost 10 years it has been the same. I should 've had 50 points added to my score just for opening the accounts. That would 've given me 200 points to my score in which it has n't. I 'd like to know why this has happened? Why have n't I received the points I should have? I feel as though these reporting agencies are keeping my score hostage at a lower % to make me have to pay more money. I hope this dilemma will be rectified and give me the score and credit that are correct. 
Thank you,

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 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief