vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting me.

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 2018-02-09 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: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Back in XX/XX/2017 ARS ( Abilty Recovery Services ) for XXXX XXXX was deleted off of my XXXX report because I had never attended school there and this was a fraudulent account. Today I received an alert from XXXX   monitoring as well as XXXX stating that this account was back on my report. Ive nevee received notification from XXXX  advising within 5 days that this account would be Inserted back on the report. According to FCRA SEC 611 The reinsertion restrictions of section 611 ( a ) ( 5 ) ( B ) apply only to those situations where a dispute was resolved with a determination that the information was either incomplete or inaccurate or if the accuracy of the disputed information could not be verified as accurate at the time of the dispute. 
Information for which the accuracy was disputed and was not verified at the time of the dispute remains challenged, unverified. 

Im requesting that this account be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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.

Complaint narrative:
A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.

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 2018-02-09 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: EQUIFAX, INC.

Complaint narrative:
A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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.

Complaint narrative:
A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.

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 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
had a collection company name : Optimum Outcomes INC add themselves to my XXXX credit report in the amount of XXXX. I disputed this because I didn't receive any notification on this company at all. I have not been properly notificated I found out when this was added to my credit report. This is against my rights to dispute. Company should not add anything to my credit report without sending me proper notification. Please have this company delected. I disputed with XXXX   and they didn't remove them. Please have this removed. I attached the alert I received on XXXX  and the dispute I requested that was requested not being resolved. 

Company name it shows on my credit report is : Optimum Outcomes INC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: MI

Complaint narrative:
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my Experian credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.

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 2018-02-09 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:
Company name it shows on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX. They were added to my report and they didn't send me any notification. I tried disputing this with experian and they never removed them from my report. Experian allowed this company to remain on my report after the dispute and I wasn't properly notified by mail. I found out about this after it was added to my report. I attached the notification received and the copy of the dispute results without any notification still being sent to me. this isn't right and this company needs to be deleted. This violated my right to dispute.

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 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Sir/Ma'am, On XX/XX/XXXX and XX/XX/XXXX an unauthorized person went into one of Chase Bank 's branch located in XXXX XXXX , Texas and withdrew {$5000.00} from my checking account. 

1. At time of theft I never lost my chase Debit, hence I was using my card to make purchase not knowing that someone got into my account. 
2. I realized that my account was being compromised on XX/XX/XXXX,  then I informed chase bank. 
3. I informed the XXXX XXXX Police Department immediately and investigated started. 
The police investigation revealed that a lady went into the bank 's ATM and withdrew money from my checking on both occasions ... as captured by Chase bank camera. 
4. The bank failed to call/text me on both transaction during theft. When I asked a chase representative why I was not informed before releasing such a huge amount of money to a theft, the representative told me it was a technical error. 
5. I contacted the chase executive office repeatedly to review my claim and make refunds for the {$5000.00} chase told me since it is a chip-on-trip transaction by the thief, I might have given my card for someone to use for this transaction. 
6. The XXXX  Police Officer that worked on this case during investigation told chase executive office that staffs from within chase bank compromised my account based on her evidence. 
7. According to Police Investigation, transactions I carried out during the time of theft showed that I could not have been at 2 locations at the same time. 
8. It has been almost 90 days since the incidence took place and Chase Bank can not come up with one logical reason why they denied my claim. 
9. I am a XXXX veteran, rely heavenly on that XXXX check for my upkeep and family. If I had sufficient funds I might have taken this matter up legally. 
Please see the attachment below for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with trans union, and XXXX and Im only getting a reply that the information was updated.

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 2018-02-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and Experian and Im only getting a reply that the information was updated.

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 2018-02-09 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: Penn Credit Corporation
State: MI

Complaint narrative:
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX   credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX credit report in the amount of {$1500.00}, and also on my Equifax credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 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: ERC
State: OH

Complaint narrative:
I have filed a complaint before about this company since they have failed to provide proper validation of a said debt. Now after disputing, they have changed the account balance from {$840.00} to {$84000.00}! This is absolutely absurd that a company thinks they can get away with this. A lawyer is next. I will not stand to be treated so unfairly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: FL

Complaint narrative:
I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This company has an account listed on my credit report, not once but TWICE for the same amount. I've had an account in good standing with XXXX for YEARS. I just recently closed my XXXX account and went to a prepaid service, in XX/XX/XXXX. Meanwhile, this fraudulent company has a XXXX account listed for {$1100.00} twice on my credit report. I've already sent in a letter and proof that this is not my account. I have not heard back and this is hindering my credit report. 

One account was last reported on last reported XX/XX/XXXX and the other on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: U.S. BANCORP
State: CA

Complaint narrative:
Every year, if I keep my XXXX XXXX credit card, I am awarded XXXX XXXX XXXX  points. When my annual fee came due, I was deciding whether I wanted to keep the card. So I called in to see if there were any sweeteners and the representative said she would waive the annual fee. Before she did so, I made sure that I was still going to be awarded the points and she said yes. Fast forward 2 months and I realized that I still had not gotten the points. I called in and was told that the points are only when you pay the annual fee which is contrary to what I was told. Additionally I was told that representatives are not supposed to waive the annual fee. That being said, I asked if I could be assessed the annual fee and get the points. I don't want anything for free. But then I was told they couldn't assess the annual fee once it's waived and because the annual fee can't be put on, I'm out of luck on the points. This is frustrating because this is classic bait and switch. I would argue these points : 1. The terms of the card state that the XXXX points is if you keep the card for the year. It doesn't specifically state it is tied to the annual fee.

2. The annual fee was waived contrary to US Bank policy 3. Once I asked them to charge me, they said even though they waived it, they can't add it back.

4. Because of their representative doing something they shouldn't have done, I'm now out of XXXX   because of the rep 's error.

Like I said, I don't want anything free. Let 's abide by the terms of the agreement. Assess the annual fee of {$50.00} and give me the XXXX  points as agreed upon card opening. I don't know why this is such an issue especially since you have documentation showing I agree to this arrangement.

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 2018-02-09 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: FL

Complaint narrative:
I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

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 2018-02-09 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: FL

Complaint narrative:
I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

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