vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I discovered a negative statement on my Experian credit report from the following company : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both Experian and XXXX XXXX XXXX on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to XXXX XXXX demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. Experian 's response to previous disputes has been that, based on their investigation, the information provided by XXXX XXXX would remain on my report. I can only conclude that their investigation consisted solely of asking XXXX XXXX if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of XXXX XXXX XXXX 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my Experian credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.

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 2018-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet Nelnet has been asked to provide proof of All loans for account Account : XXXX and has not Nelnet has been asked to provide validation of All debts Information regarding approval and validation needs to include accurate information that matches information reported to CRAs for Account : XXXX and has not NELNET has been asked provide records of All purchase of loans from other companies for Account : XXXX and has not Nelnet Per FDCPA this Must be provided within 30 days when requested and was not has in over 19 ( by own admission ) instances to the CFPB and Company asked for information that is reported incorrectly on Credit Report to be removed or changed This has not happened Nelnet has violated FCRA by failing to provide accurate and timely information to a CRA Nelnet has violated Federal and State Negligence Laws by failing to act in a manner consistent with a negligent act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
multiple attempts to collect on a debt that has been charged off. 
I did mistakingly make a payment via Credit / debt card for {$1800.00} on XX/XX/2018 but our back deemed the charge a fraud and canceled the transaction, i have attached the emailed letter sent to me. A XXXX search of the number they call from shows multiple fraud complaints and unfair attempts to collect on old non existent debt. 
i believe it may be an XXXX XXXX Mastercard

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX   and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.

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 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I received a phone message about 2 weeks ago, I did a courtesy call back and told them that they have a wrong number, no such person lives here. My answering machine clearly states that you have reached XXXX and XXXX. Pease don't call here again and the lady said she was documenting my phone number ( XXXX ) so that I would not receive further calls. Yesterday I received another phone call, I left it go to the answering machine, the number was XXXX ext. XXXX, different ext. no. from the first call. I did a return call and was upset that they should call my number again and that I would report them. I did give my number to him and I wasn't going to answer any other questions and told him that we're finished here and I hung up on him! Please help end these phone calls to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried filing disputes concerning personal information listed on my Equifax, XXXX and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to Equifax, XXXX and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK HAS ENGAGED IN A PATTERN OF CONDUCT THAT IS HARMFUL TO ITS CUSTOMERS AND AMERICAN CONSUMERS. CHASE IS ENGAGED IN AN ILLEGAL SYSTEMATIC SCHEME IN PREMATURELY CLOSING CERTAIN CONSUMER ACCOUNTS. I AM A VICTIM AS WELL AS A WITNESS OF CHASE BANK BEHAVIOR. 

CHASE HAS AUTOMATICALLY CLOSED ACCOUNTS ( DUE TO FRAUDULENT ACTIVITY OR UNAUTHORIZED ACTIVITY ) WITHOUT THE INVESTIGATION AS REQUIRED BY LAW. THEY THEN REPORT THIS NEGATIVE INFORMATION TO A CRA XXXX XXXX XXXX XXXX WHICH THEY OWN IN PART. 

CHASE DID NOT NOTIFY CONSUMERS OF THE CLOSURE AND DO NOT PROVIDE ANSWERS TO CONSUMERS QUESTION AND ONLY PROVIDE THE PERFUNCTORY STATEMENT THAT IT WAS AN INTERNAL AND/OR A BUSINESS DECISION, THEY ALSO DO NOT PERFORM THE INVESTIGATION THUS SAVING MONEY AND VIOLATING CONSUMER PROTECTION LAW. 

CHASE HAS FAILED TO PROPERLY REVIEW OR PROCESS FRAUDULENT ACTIVITY OR FRAUDULENT CLAIMS BEFORE THEY CLOSE THE ACCOUNT. 

CHASE HAS FABRICATED INFORMATION SUCH AS FILING FRAUDULENT SARS REPORTS SO THE PRETEXT WOULD APPEAR MORE PLAUSIBLE. 

CHASE BANK IS ALSO VIOLATING THE SECURITIES EXCHANGE COMMISSIONS GUIDELINES AND CHASE BANK CHARTER. 

CHASE BANK HAS ENGAGED IN SELF ENRICHMENT. CHASE BANK HAS VIOLATED CALIFORNIA BANKING LAW. CHASE BANK HAS VIOLATED CONSUMER PROTECTION LAWS AND IS ENGAGED IN CAUSING HARM TO CONSUMERS. 

THIS BEHAVIOR IS RECENT AND ALSO DEMONSTRATED BY XXXX XXXX XXXX. CFPB AND OTHER REGULATORY AGENCIES ARE INVESTIGATING THE XXXX BEHAVIOR. I ENCOURAGE CFPB TO DO THE SAME WITH CHASE. I HAVE ATTACHED THE RECENT PRESS RELEASE FROM CFPB REGARDING THE XXXX INVESTIGATION. 

IF ONE BANK IS DOING THIS TO CONSUMERS THEN ALL BANKS ARE ENGAGED IN THIS BEHAVIOR OF HARM TOWARDS CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: E*TRADE BANK
State: IN

Complaint narrative:
On XX/XX/2018 I requested information from my bank, E*Trade Bank , regarding a wire transfer from a XXXX company as part of a travel reimbursement for US {$1200.00}. Using their chat function online the agent provided me wire transfer instructions ( transcript attached ). After waiting approximately 2 weeks without receiving the funds I contacted E*Trade and was told that their agent had given me the wrong information for the transfer and that there was nothing they could do. 
I then contacted the vendor in XXXX. Their bank, XXXX XXXX XXXX XXXX, indicated that the wire transfer had been accepted by XXXX XXXX, the bank that acts as intermediary for E*Trade on wire transfers. The vendor eventually had their bank run a trace on the transfer but evidently XXXX XXXX would not respond ( information attached ). My vendor had XXXX XXXX XXXX XXXX run the trace a second time with the same result. 
All of this back and forth has taken several months. Neither E*TradXXXX nor XXXX XXXX will accept any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried filing disputes concerning personal information listed on my XXXX, XXXX and Transunion credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, Transunion and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue

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 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried filing disputes concerning personal information listed on my XXXX, Experian and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, XXXX and Experian on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine.

My name is incorrect on all three and I have provided them the correct in
formation My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue

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 2018-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
My half-sister ( XXXX XXXX XXXX ) visited XXXX Hospital in XXXX, XXXX in XX/XX/XXXX, where she took my niece to be treated. I was not present and had no knowledge of this visit. Over a year later, her unpaid balance suddenly showed up on my credit report, with the bill coming from XXXX XXXX XXXX ( XXXX ). I visited XXXX Hospital in person in the fall of XXXX, where they discovered that my name had " accidentally '' been added to the account as a guarantor. I had my name removed from the account. XXXX contacted the debt collector and the debt was removed from my credit report. 

In the spring of XXXX, the debt showed up on my credit again, this time from a different debt collector. I went through the same process again. I disputed the debt, called XXXX, called XXXX, and the account was once again removed from my credit. 

In XX/XX/XXXX I relocated to XXXX, XXXX for work. Within a few weeks of my move, a debt collector ( Phoenix Financial Services ) sent a letter addressed to XXXX to my new address in XXXX. I returned to sender and included her correct address. Now the false account has showed up on my credit report again. I immediately called XXXX, who acknowledged their mistake and admitted that my name was not completely removed from their records. I then contacted XXXX and demanded that she pay the bill immediately, which she claims to have done. Finally, I disputed the false account with Phoenix. Phoenix responded to my dispute yesterday and said that the account was " verified '' and that they have proof it is my account. This is impossible since I never signed anything, was never present at the hospital for any treatment, and have never been financially responsible for XXXX or her daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LCO Financial Services, LLC
State: NE

Complaint narrative:
Due to financial hardship, I was unable to make my semimonthly loan payment. I requested ACH ( automatic withdraw ) to be removed from my Blue Trust Loan account on XX/XX/18 via email and again via telephone on either XX/XX/18 or XX/XX/18. I received verbal confirmation that this was done. Despite this, on my next payment due date, the full amount was automatically withdrawn from my account. When I called to complain, I spoke with " XXXX '' and was again told that ACH was going to be removed from my account, but they would not refund the amount taken without my approval. I was essentially told that I owed that amount and they could collect it via ACH even without my approval. I am concerned they will continue to automatically take money out of my account without approval. I called the bank and they were likewise unable to stop payment.

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 2018-10-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from American Express on XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Have further question and complaint under spawned I got from Bank of America previous case number XXXX 1. Did Bank of America sold my Deed of mortgage and note to XXXX XXXX in XXXX.I need an answer yes or no 2. Did Bank of America sold my deed of mortgage and note to any organization outside XXXX XXXX 3. Did Bank of America owner of the note and the mortgage until it transfer the servicing right to XXXX 4. Did the DOJ declare my home as a toxic mortgage 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 2018-10-19 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: TX

Complaint narrative:
I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2018-10-19 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: GA

Complaint narrative:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from bank of America on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

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 2018-10-19 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: TX

Complaint narrative:
I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: TX

Complaint narrative:
I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
In reference to complaint XXXX ; DCI contents an initial balance letter was mailed. 

THIS IS A REQUEST FOR THAT INITIAL LETTER. 

THIS IS NOT A DUPLICATE. 

THE INITIAL LETTER HAS NOT BEEN SENT IN ANY RESPONSE. 

SEND INITIAL BALANCE LETTER AS INDICATED ON COMPLAINT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 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: TX

Complaint narrative:
I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2018-10-19 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:
Please delete XXXX XXXX XXXX XXXX which reported as late on my credit report..It is obvious that the account is unverified, and inaccurate. The account is having false information and should be removed asap

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