vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus -  XXXX ,  XXXX  and TransUnion.  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report  in 2015. T his was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in   XXXX   's case, the fraudulent inquiry.

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 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus - Experian,  XXXX  and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report i n 2015. Th is was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in  XXXX  's case, the fraudulent inquiry.

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 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On  XXXX   XXXX ,  2017 i re ceived a phone call from Tower Loans ( I have a loan from them since  XXXX     2017 for a be d i bought ). The woman on the phone did not identify herself but I knew it was Tower Loans from the Caller ID. She said " Why do n ; t you  cone in today so we can give youa {$1000.00} loan. '' I said not hank you aI already have a lo an I m pa ying you. She then said,  XXXX   XXXX  you ned to come in and pay your past due amount. '' I said I do not have a pass due amount, Iit is not due until  XX/XX/XXXX . She argued with me and said no it was pass due on  XX/XX/XXXX .I said " No, I am looking at paperwork and it explicicty says  XX/XX/XXXX  '' my sone was near me as I had phone on speaker, so he heard the whole conversation - she said " Ma'am you need to come to  XXXX   XXXX  now and pay your late payment? I was then in tears and said i can not do that and cross the bridge at my age. I then heard someone in the background say - Oh you have the wrong account! My son then jumped on the phone and demanded they make an apology to me for harassing me. The manager refused. He said we will apologize for making her upset but not apologize for harassment. That 's my case. I have never in my life been late in a payment, I 'm  XXXX   years old, a nd always make payments on time and to be treated like this to a customer. Originally I only wanted an apology for harassment, now I want monetary damages. I hope they kept tapes of the phone call. It will prove my point

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 2017-06-10 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: GA

Complaint narrative:
Violated HIPPA la w on a debt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.

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 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: KY

Complaint narrative:
Earlier this year i endeavored to resume working on my credit since i have been stable for a few years. In that process i have paid off items in collection, etc with the exception of an account (  JH Portfolio Equities #   XXXX   XXXX  :  XXXX   XXXX    XXXX   XXXX   XXXX    ). T he reason is because upon my first contact around  XX/XX/2017 , I received wildly inaccurate information from their collector,  XXXX   XXXX   XXXX . I was referred to as "  XXXX   XXXX  '', who i am not, i was told my DOB was  XXXX , which it is not. I was asked to pay on a debt outside what is legally allowed within the statute of limitations ( an unrelated account ).   Since that time and for good reason, I was able to get  XXXX  to close their file regarding that account and return the debt t o JH Portfolio Equit ies. I have a letter from  XXXX  dated  XX/XX/2017  stating such. On  XX/XX/2017   JH Portfolio Equities u pdated their report to the credit agencies.   My issue is that i still have not received an explanation as to why that accounts reported balance decreased when i have NEVER made a payment. Additionally , JH Portfolio Equities i s currently reporting a derogatory collection account while refusing to take payment ( i offered on  XX/XX/2017  ) and having no available 3rd party agency to process said payment or negotiations.

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 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My credit card bank provides me my credit score which information is provided to it by Transunion. When I check my credit score the website says the credit score is impacted by two problems : serious delinquency and too few accounts as paid. Neither statement is correct. I have complained about this misinformation to Transunion on at least two occasions, but while they respond by sending me my credit report - which shows no serious delinquencies, or late payments - and that the information complained about has been updated, and they send me info on the credit card payments - about which I have never complained - the information reported to my credit card bank remains inaccurate. my transunion file no is File number 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 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX 2017, I signed up for ongoing credit monitoring services with Experian.coms XXXX XXXX product offering. <P/>On XXXX XXXX 2017, when I still had only basic user access, I sent in correspondence notifying Experian.com of a legal name change. This was separate/in addition to following the standard credit bureau disputes process given that the XXXX XXXX product is maintained independently. It is now 30 days later and after multiple calls with their customer service team and assurances that the change was previously processed, no change has yet been made to my customer account. I have now spoken with multiple customer service representatives going back to mid-XX/XX/XXXX, including two representatives on XXXX XXXX 2017 and two representatives today. Today also marks my third time sending faxed correspondence to Experian in regards to this matter, in addition to sending hard copies to their XXXX XXXX. <P/>Experian.com has made me jump through hoops to resolve what should be a simple update ; surely I am not the first customer they have had that has had their name changed. They cancelled my membership, made me sign up for a new account, and work with them over the phone to re-do the identity verification process, all to no avail. As of today, they are no longer able to access any data tied to my Social Security No., since by the representatives own confession, we must have XXXX something up. <P/>I have spent at least eight hours with them to update this information. I would have given up already if I didnt see so much value in their product. Experian.coms customer service representatives have consistently been easy to interact with and completely willing to help, but it seems they are misguided and being held back by the back office teams disorganization or lack of follow-up.

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 2017-06-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. Equifax is the only company that continues to deny my request. They continue to report a XXXX card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the XXXX generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with equifax. please help me with this because it has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: GA

Complaint narrative:
Violated HIPPA law on a d ebt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.

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 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to  work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing Midland Credit Management who was representing XXXX XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did n't understand why they did this when I worked out a payment arrangement with the mediator and their  law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use a service called   XXXX   XXXX   that lends money and they are connected to my chase checking account and they need to see recent transactions but my bank is extremely lacking and slow in sending those transactions to a ridiculous point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears citi bank card I have been trying sometime know to have the Sears citi bank card and  XXXX  to  send me something with my signature on it that validates that I am the correct person on the account or that I authorized any of the payment and I have sent certifeyed letters to both company to send me some type of verification and I recieved my credit report comments fcba dispute resolved- consumer disagrees and of course I disagree. So because I can not get the credit card company or the sear citi bank credit card company to send me anything I am asking the fcba to hgive me the names and addrress of the people the spoke with that can verify that that is my account and to send me some information and proof of my signature. You would think that after certify letter requesting this information  2 ti me from each company this matter would be resolve and deleted from the credit companys I can not get any credit anywhere because of this inaccuracy

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 2017-06-10 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. XXXX is the only company that continues to deny my request. They continue to report a chase card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the 3rd generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with XXXX. please help me with this because it has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: NC

Complaint narrative:
On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XXXX   XXXX  keeps trying to get my social security number so he can submit a mortgage application for me. I have told him several times my credit is not good enough. He wo n't stop calling me. I wo n't lie on an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing XXXX XXXX XXXX who was representing Citi/Sears XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did  n't understand why they did this when I worked out a payment arrangement with the mediator and their law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.

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 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This Transfinancial collection agency has  XXXX  accounts on all  XXXX  of my credit files. I requested validity of the debt over 30 days ago and have n't received any information but they are verifying with the credit bureaus that the debt is true. They are not following the FCRA laws put in place by the federal government. I have a right to copies of my debt especially if I 'm disputing I never owed the original creditor. I 'm disputing with you all so I have grounds for civil action against them. This is my second attempt to get a resolution with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a dispute to Equifax on  X/X/17    regarding a bankruptcy appearing on my credit report and they have yet to resolve the dispute or remove the item. The dispute was said to be resolved by within 30 days but no later than  X/X/17   . I spoke with a representative from Equifax on  X/X/17    and they agreed that they had not resolved the dispute and that I would need to call back, but then tried to sell me credit protection coverage at a monthly cost. I spoke with another representative on  X/X/17    who also stated that the dispute was not resolved but would not give me any additional information and once again tried to sell me credit protection for a monthly fee but was not helpful to me once I declined the coverage. I submitted the dispute according to the proper guidelines and feel that Equifax is refusing to delete this from my credit report

Company response to consumer: Closed with explanation