vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Meade Recovery Service # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AK

Complaint narrative:
The loan was paid off when the property was sold on XX/XX/2019. I logged onto Dovenmuehle 's website to disable automatic payments. When I did, I noticed that the balance was XXXX, and the system said my account wasn't eligible for online payments when clicking on automatic payments. 

Because the system was smart enough to not let me adjust automatic payments on a XXXX balance account, and because it was at XXXX balance, I figured that they wouldn't withdrawal payment. I was wrong. On XX/XX/2019 Dovenmuehle withdrew XXXX from my bank account. 

I called to complain, but they say it takes 2-3 weeks to get that refunded, and they will only mail a check. Of course, I'm between addresses, and close on my new house in a week, so it's causing me some serious problems. 

They don't seem to care, they say my issue is escalated and that's it. Nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.

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 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX  which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report.

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX/ XXXX '' I never applied or authorized this company to check my credit. I do not have any active account with this company.

Equifax failed to re-investigate. I also sent a letter to all three companies requesting for proof of this authorization, yet I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
I went to an urgent care to get my back checked out. The place happily took my {$50.00} copay and saw me for 2 whole minutes. I was told there was nothing the doctor could do for me and sent me along my way. Then they repetitively called me telling me I owed money when they didn't provide a service to me as an urgent care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: KY

Complaint narrative:
I am not for sure the exact date of my loan it was for {$800.00} from Blue Trust Laon. I was diagnosed with XXXX and have been off from work. I had XXXX  XXXX XXXX XXXX of XXXX XXXX  XXXX. I am expected to pay back over three thousand dollars I was desperate for money to pay my utilities bills. I can barely make it now due to my illness.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

Experian failed to re-investigate. I also sent a letter to the company requesting for proof of this authorization, yet I received a response.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account balance is incorrect, please delete.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My FICO scores for the last 3 months have substantially declined, for instance : XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) Transunion : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ( XXXX42 pts ) 1. XXXX  reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
Thank you.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID

Complaint narrative:
Rushmore is reporting a balance and past due with XXXX lates on an account that has the last payment date of XXXX and sent out 1099s to report to taxes. The reporting has been ruining our credit for years! Look at the credit report screenshot we included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have reached out to both State Employees Credit Union and XXXX to correct the status and reporting history of a previous Visa account. SECU is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from SECU that the account was indeed charged off on XX/XX/16 and provided this to XXXX. XXXX is stating that when presenting this documentation to SECU, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.

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 2019-09-10 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: FL

Complaint narrative:
Made a hotel reservation using a different card in XXXX. Emailed the hotel to confirm reservation. Received reply that everything was ok and confirmed. Arrived at the hotel and the receptionist told me my reservation was not valid and I had to pay a new reservation for XXXX euros. I showed them the confirmed reservation and the printed email answer including the name of the person that replied. They stated they didn't care, and that I had to pay for reservation. I used the Chase Sapphire card and signed in the line : WILL DISPUTE. At the checkout they even tried to collect XXXX euros for taxes, until I started calling the police and they finally stated oh no, there are no taxes to be paid, you're good to go. Clearly this hotel is trying to scam customers. After arriving at the US I filed a dispute with Chase. Showed them proof of payment, email with the hotel, and statement showing the confirmed hotel purchased. After several calls from Chase Specialist XXXX, she stated Chase could not even resolve my dispute because the quantities did not match. I explained the original reservation was done in XX/XX/XXXX, and was paid in euros. The transaction came to be {$140.00} USD at the change that day. On XX/XX/XXXX when I was scammed on my Chase card, I was charged XXXX euros, which came to {$140.00} USD. She stated that because the amounts did not match, she could not resolve my dispute. I explained currency conversion and she did not care. As a result I've downgraded my Chase Sapphire Reserve to a Preffered, and will be closing my account in a week when the balance is paid. After a long term relationship with Chase, I honestly did not expect this level of stress or bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was on a vacation in XXXX and my wallet got stolen. Two of my credit cards were used at a vendor that does not exist in XXXX, XXXX, 2019 for the amount of {$4300.00} at XXXX XXXX XXXX XXXX, which does not even exist if you XXXX the vendor. 

My other credit card XXXX, immediately refunded the charge, but my Bank of America XXXX credit card, did an investigation and said that the chip was inserted and there was a signature, so it was not fraud. Again my card was stolen, so yes someone may have put my chip in a reader and forged a signature, but I was never even presented the signature that they saw or verified against whether it looked like mine. Additionally there is no evidence that I was ever at this place by video or picture. 

The fraud was denied and appealed 5 or 6 times, with no real explanation and then finally they told me it would not be refunded and I would have to take it up with the credit bureau. But while it was under investigation I would not be responsible for the charge. So i did not pay the balance and now my XXXXredit score has dropped from an XXXX to XXXX. And all the credit bureau said was that my credit score was fine, they did not investigate the fraud any further. 

I have finally paid the balance to reduce further drop in credit score. I need help getting this solved, getting my money back and getting my credit score fixed.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Equifax states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Equifax is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Equifax is stating they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Experian states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Experian is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Experian is stating they provided.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the accuracy and completeness on XXXX XXXX  XXXX account listed on my credit report. This account is beyond 7 years of the last payment date and should be deleted and removed. These fields are incomplete I am disputed the balance, recent payment and Original Balance on this file. 

I also have noticed addresses that do not belong to me that should be removed and deleted XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX OHio XXXX Should be removed and deleted

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid however, it is still being reported as a collection on my credit report. I have attached a copy the Settlement documents dated XX/XX/2019 from XXXX XXXX. These documents show this account has been paid and should not be reporting as a collection. XXXX   informed me they would contact the bureaus to have this information removed from my credit report. This incorrect reporting of a collection account is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items 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 non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to both XXXX XXXX XXXX XXXX and Equifax to correct the status and reporting history of a previous XXXX account. XXXX is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from XXXX that the account was indeed charged off on XX/XX/16 and provided this to Equifax. Equifax is stating that when presenting this documentation to XXXX, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.

Company response to consumer: Closed with explanation