vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 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:
XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.

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 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The SSI deposited money by error in my Chase bank account. Chase took the money and adding it to my pending balance. ( My account was closed previously for fraud and they didnt solve the case so they added it to my account balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: OK

Complaint narrative:
I have called them and told them that I would pay the monthly payment late before it hits 30 day but they still keep calling me every single day!!! I did refinance the loan but still did not help me due to when I was sick and was not working over time and I was contagious and got my husband sick and he also missed work and he does not have paid time off. I am trying my best to catch up but as of right now thats all I can do is pay before the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX is continuing to report 2 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. These accounts in the amount of {$1900.00} and another one in the amount of {$1200.00} DO NOT BELONG TO ME. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: NV

Complaint narrative:
Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to 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 non-monetary relief
Consumer complaint received 2018-09-07 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:
XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.

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 2018-09-07 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:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In XX/XX/2017 I accepted a buyout with XXXX. XXXX had a 3 way phone call with me the same day- recieved all payments and closed both my XXXX accounts. I called XXXX  in XX/XX/XXXX and XX/XX/XXXX spoke with both a male and female who verified both months there were no further charges. XXXX  had reopened 1 account without my knowledge or notification. No bills were sent- no calls from XXXX. First agency removed themselves and appropriately corrected info- XXXX turned around and attempted to now triple bill with another collection agency. All calls have been recorded, need to be accessed and XXXX needs to not only fix thier mistake, but honor thier original calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Asset Group LLC
State: IA

Complaint narrative:
I was contacted by someone claiming to be from Phoenix Asset Group, LLC. Mr. XXXX and Mr. XXXX informing me that they bought my debt from XXXX XXXX. The company is located in Minnesota according to the website. You can XXXX it, but it continues to say pages arent available with an error message. I was able to cal number on website and an individual answered it with hello and couldnt understand how I was able to call her cell phone as well as didnt know her companys phone number. Voicemails were left about taking action in the county I  live and wage garnishment. I was also informed I received a document from XXXX XXXX informing me of them buying the debt. I never received the letter and informed them of a pending divorce and to contact my lawyer. They refused to do so. They refused to send any correspondence except for a contract by email after I gave them a debit card number to take biweekly payments of {$130.00} after a down payment of {$270.00}. This is the second fake company out of XXXX XXXX which has posed as an agency to get money out of me. I requested they contact my lawyer and to stop calling me and they stated I had to put it in writing, but didnt give me the address. At this point Im 100 % sure this is a fraudulent site with several individuals posing as agents/representatives of the scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
After reviewing my credit file I have 2 accounts that do not belong to me from your company Merchant and Professional. I am a victim of identity theft and the accounts listed below which appear on my credit is the result of identity theft. Furthermore, I have never even done business with your company or any company that you represent. Not only did you insert these fraud accounts into my credit file you did not give me a notice that these accounts were being inserted nor did you give me my right to dispute the validity of these alleged accounts. Due to the fact that I know for certain you can not provide proof bearing my signature because these are not mine I am requesting that these accounts be removed immediately, If the accounts listed below are not removed I will be forced to pursue legal action against Merchants & Professional. This is your notice that these accounts are disputed and they are a result of identity theft.

One account is the amount of {$2100.00} Another account in the amount of {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: NV

Complaint narrative:
I received an alert about a new hard inquiry added to my credit report but I haven't applied for anything. Please remove this fraudulent hard inquiry from my credit report XXXX XX/XX/2018 2018

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 2018-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I ran into hard times and went thru a loan modification in XX/XX/XXXX. I had missed a total of 18payments having made some in between it wasnt all in a row. My original mortgage amount was {$190000.00} they were supposed to take my past due payments and put them in a separate account with a 0 % interest and wave all late charges and any other fees is what I was told and agreed to. I have never missed or been late on any payment since the modification. Now currently during XX/XX/XXXX I was trying to buy a new home after selling mine to pay off bank of America and now have a second mortgage of {$57000.00} to add into the {$130000.00} principal balance which would total {$190000.00} meaning in 5yrs of paying an average of {$1000.00} a month ( {$60000.00} ) my mortgage has not changed at all. And my house isn't even worth what I owe making me have to cancel my contract and take my home off the market. I feel like I was scammed on this modification and that this needs to be negotiated and settled. I have owned my home for 11yrs with the purchase price of {$180000.00} and now somehow owe {$190000.00}. I honestly feel like the second mortgage is bogus and needs to be taken off as after 11yrs I should have seen a very noticeable drop on my principal balance.

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 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On XX/XX/XXXX, I purchase two ( XXXX each ) round trip tickets to XXXX XXXX for XX/XX/XXXX vacation. A week later I noticed for transaction taken out of my credit card account. I contacted the airlines right away and they stated that only purchase two round trip tickets and referred me to check with my financial institution. 

I contacted First Tech Federal Credit union since the credit card I used was from this institution. I explained that I was over charged {$420.00} four times when it should only be two charges. I was asked to do file a dispute of the charges which I did. On XX/XX/XXXX I received a confirmation of my dispute # XXXX. On XX/XX/XXXX my account was credited the over charges {$420.00} x 2 while they continue to investigate mean while they asked for documentation which I provided the flight numbers and airline information that I had purchased. I also called the airlines to confirmed once again that they did not have me in two different flights. The airline confirmed that my name only appeared for the only flight. 

I received from notification from First Tech on XX/XX/XXXX that their investigation is concluded and they would be withdrawing the money that was refunded to me on XXXX. 

I am asking for a full reviewed of the ethics of this financial institution whom I have been a member of for over 20 years. During the time I have been a member I had their credit card and never had this type of situation. One of the reasons I used this particular credit card was because I trusted the bank and knew that my purchases are ensured and would not have a problem. 

I appreciate the oversight to this charges. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This account XXXX/XXXX is been on my credit report since XX/XX/2010 almost 8 years and is affecting my credit score. Please remove this old account 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 2018-09-07 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Frost Bank has reported late payments on all three credit bureau 's when payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: NV

Complaint narrative:
I received a copy of my credit report and I notice a hard inquiry was fraudulent, I immediately contact Equifax to let them know about this and to placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian multiple times in writing and over the phone regarding an update to my social security number being outdated on my report as I have been issued a new number by the social security administration. Experian refuses to update the social on my report and states the creditors must update them with the social on the accounts they previously reported. I've contacted the creditors and they state that since the accounts are all closed, they are unable to make the change and Experian should be the one to update the credit file with my new social security number if I supply a copy of my social security card. I called experian again and explained the response from the creditors. they still refuse to update the social on my file

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 2018-09-07 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: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff, XXXX ( hereinafter XXXX ) is a resident of North Dakota. 
3. The Defendant, XXXX XXXX, ( hereinafter XXXX. ), is a Ohio Corporation, with its principle address at XXXX. XXXX XXXX, XXXX, OH XXXX. 
4. XXXX. is the creditor with account ending in # XXXX. XXXX. alleged XXXX owed {$3000.00}. 
5. By XXXX reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
6. On XX/XX/2018, XXXX sent a letter to XXXX. advising to validate the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
7. There is evidence the Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
8. XXXX failed to comply with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
9. On XX/XX/2018, XXXX attempted to send a 2nd letter requesting XXXX. to once again validate the account. 
10. The Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
11. XXXX. responded with a letter on XX/XX/2018, stating the request was determined to be the same dispute and just ignored the request. They AGAIN failed to comply again with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
12. On XX/XX/2018, XXXX mailed a 3rd letter to XXXX. advising them to Cease and Desist any further contact with him regarding this account. 
XXXX. The XXXX received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
14. The Defendant contacted XXXX via mail regarding the account dated XX/XX/2018, said contact after a Cease and Desist letter is in breach of the law. 
15. XXXX. Violated FDCPA Section 805 ( c ) for contacting the Plaintiff AFTER receiving the Cease and Desist letter. 
16. XXXX. still continues to damage XXXX credit score by reporting this negative and incorrect information to the credit bureaus. 
17. XXXX. has further violated the Fair Credit Reporting Act Section 623 when it FAILED to report to the three major credit bureaus that the account was being disputed by the consumer. 
18. SEE ATTACHED PROOF There are copies of my Credit Reports from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Look under Comments- THEY FAILED TO REPORT THE ITEM AS DISPUTED. This VIOLATES Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TX

Complaint narrative:
XXXX XXXX has reported late payments on all three credit bureau 's when payments were made on time.

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 2018-09-07 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: TX

Complaint narrative:
XXXX XXXX has reported late payments on all three credit bureau 's when payments were made on time.

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