vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This company calls repeatedly and I never get to know why they are calling they ya g up on my all the time and Ive called them as well they just keep talking in circles or hang up on me again. 

I can never get the chance to tell them to stop calling me or family members phones they just call and hung up constantly. The XXXX says they are legit but I do not believe so at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX  obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I want my money from my account and all my family account connected that was suspended for unkown reasons. 
I have XXXX dollars saved in the accounts and randomly my account was suspended with no reason why. 
I can't see my money and no one will release it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 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: CA

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
They continue to submit to the reporting bureaus every other month or so with false information. My debt started in XXXX of 2015, they keep submitting that the debt was just opened and it subtracts 15 or so points off of my Credit Score every time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These are not my accounts or inquires

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 2020-05-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your TransUnion Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your XXXX 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 2020-05-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiry - Loan or credit application XXXX XXXX XXXX XXXX  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application CXXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your Experian Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX )  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX   ) obtained a copy of your XXXX 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These are not my accounts or inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These are not my accounts or inquires

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I reapplied for mortgage repayment consideration and was rejected the day after they received the package. NO CONSIDERATION ... .They are trying to take my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems , Inc. failed to validate the debt in question per my written request opting instead to attempt to merely verify said odious debt. 

Furthermore, I was fully absolved of any debt by the creditor in writing on XX/XX/19 Said alleged creditor never proved that I submitted any false information that would have legally invalidated my debt being absolved. Instead, they have broken the terms of their statement of debt forgiveness unilaterally. 

Now I've received correspondence from MDS , Inc., attempting to illegally extract capital from me and stating that they have notified the Credit Reporting Agencies of this false debt as though it were genuine.

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 2020-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted uheaa/Cornerstone about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, Equifax and XXXX  about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, XXXX and Experian about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..

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 2020-05-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I have filed the complain few days ago Complaint Number XXXX I'm attaching the documentation to show how the RMS is been deceptive in sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a flight reservation with XXXX XXXX with my chase card for {$1000.00}. This was a returning flight from XXXX to XXXX XXXX on XX/XX/XXXX. 
When I arrive at the airport, the check in agent refused to let me board the plane claiming that they don't accept my passport. I explained to them that I just travelled from XXXX XXXX to XXXX, from XXXX to XXXX, from XXXX to XXXX, and XXXX to XXXX, so now I am going back home. Me and my friends were stuck at the airport and they didn't understand XXXX well. 
Then another agent came and said that he is willing to let me on the place but needs the same credit card I used to book the flight in the first place. He said that there is a reroute and instead of of regular stop in XXXX, there would be a stop in XXXX. he then took my card saying that it was just to confirm and part of there procedure. When I arrive home in XXXX XXXX, I say my statement and noticed that the guy wad a fraud and charged my card for {$930.00}. 
I then spoke top chase about this and they started a dispute. They then responded back to my dispute claiming that they will not refund me the money. I then said I refused and that you are not understanding the claim, the chase agent said that they are looking into it. Now, its been around four months and they are not helping much. They are not even looking into the claim anymore saying its been closed. This was very sad to hear. The charge was unauthorized and fraudulent and this is the first dispute claim I made with chase. I believe the bank is being unethical or there is miscommunication that they are not wanting to resolve and would like some further help from CFPB to resolve this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CA

Complaint narrative:
XXXX Account number XXXX. In their letter dated XXXX XXXX informed me that they a sent a request to Experian to delete the XXXX Account number XXXX. Experian has not deleted this account from my credit report. Experian claims that they have verified the information with the data furnisher. I've sent Experian a copry of the letter from XXXX. In the letter XXXX states that they have sent a request to Experian to delete the XXXX account from credit report. Experian has failed to comply with the request from 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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX Account XXXX ss XXXX XXXX   ATM dispute. 
At XXXX, on XX/XX/2020, I attempted to deposit {$730.00}, cash, into ATM number XXXX on XXXX  XXXX XXXX and XXXX XXXX XXXX 

The machine immediately started making a lot of noises prompting me to immediately push the button to return my cash. However, instead of my money, it spit out a reciept that stated " we are unable to process your request and can not return your items. '' I instantly contacted the number ( XXXX ) listed on the receipt and I was able to pull of the machine XXXX dollarsof my money now I stand falsely assured that my money would be credited to my account. 

I am horrified and dismayed that after more than 2 months, I am now being notified that I stand to lose {$400.00}, because of a machine error. The cameras should reflect that no money was ever returned to me. Furthermore, if this is a common occurrence, a notice should be posted " deposits made at your own risk. '' It is imperative that the {$400.00} be IMMEDIATELY credited to my account, as I need it to pay for my mother 's XXXX home and as of right now, the account is in the red because of the error. I have call the company many times and they stand on their decision. This money is needed to paid for my mother 's XXXX home. 

I expect a call as soon as possible to rectify this situation. 

Respectively, XXXX 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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a collection notice from the company. I paid it, in full, on their website. It took them 2 days to process the payment, and then their website showed paid in full. The client 's website then showed that the payment was NOT in full, and that there were other fees, and amounts still due. When asking the collection company to provide a " paid in full '' letter, they declined, and told me to pay their client the balance claimed. Not only have they misrepresented the amount due, but would not stand behind it, when it was paid in full - classic bait & switch. It is fraud. To settle an account with full payment, and then to pull this kind of stunt is illegal, and they should be sanctioned. The client of XXXX XXXX XXXX is XXXX XXXX ( XXXX  ) Clerk of Courts, for the payment of a traffic ticket. The amount paid was in a written letter, and as appeared on their website. It stated that the full amount must be paid, which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XX/XX/2020 - submitted online credit application to XXXX  XXXX  XXXX   XX/XX/2020 - received emailed letter from XXXX XXXX XXXX stating denied for " history of delinquent credit obligation ( s ) '' XX/XX/2020 - contacted Experian for copy of credit report and after receiving that about a week or so later called XXXX  XXXX  office who told me to contact Experian who told me to contact XXXX  XXXX  who told me again to contact Experian - I've talked to them 3 times now with no resolution other than to tell me to call XXXX XXXX back XX/XX/2020 - I called XXXX directly based on info under Hard Inquiry on my credit report who also informed me they are not a credit reporting agency and that I have to talk to Experian XX/XX/2020 - called Experian again and was told there's nothing wrong with my credit report and to call XXXX XXXX again

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 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is not my account

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 2020-05-26 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:
SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
my complaint is about blatant violations by XXXXt and Equifax, XXXX  and XXXX. I asked XXXX to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent XXXX other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. Equifax even went on to say they were no longer reporting this XXXX  account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only XXXX they're doing this to. I could really use your help in this matter.

Company response to consumer: Closed with explanation