vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, XXXX XXXX and CITI/CBNA. So I decided to review my own credit report through my XXXX account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull 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 non-monetary relief
Consumer complaint received 2019-03-21 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: DISCOVER BANK
State: MI

Complaint narrative:
I HAVE BEEN WITH XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. 

WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. 

WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. 

I ALERTED XXXX XXXX AND DISCOVER AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. 

AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
I HAVE BEEN WITH XXXX XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.

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 2019-03-21 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I HAVE BEEN WITH JP MORGAN CHASE SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, CHASE AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD 50 IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19, I received a check in the mail for {$1700.00} for a piece of furniture I listed on XXXX I cashed the check and it " cleared '' on XX/XX/19. The " buyer '' wanted {$750.00} to be set aside for the movers. The next day, when the check " cleared '', he asked me to XXXX the {$750.00} to the movers, so I did. 

I found out within 15 minutes that it was a scam and called Bank of America to stop the XXXX transfer because it was still processing. They told me that there was nothing they could do. How could they have no consumer protection? The item was in processing when I called B of A and they had no ability to cancel it? What is my recourse with XXXX to stop this scammer?

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 2019-03-21 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: MI

Complaint narrative:
MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY XXXX XXXX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR XXXX XXXX IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.

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 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: ID

Complaint narrative:
Called claiming to be a legal processer. Said i owed a debit for a credit card opened in XXXX of 2014. I was in middle of a seperation and did not open a credit card. The demanded payments or Said they were going to have me served by local sheriffs department. Orignial voicemail was a robot saying they had fax for me. I asked repeatedly for verification notice and they keep telling me its to late for that. They called my brother and mother today and told them they were looking for me because i was ignoring their calls after i had spoken to them mulitply times mon and tues and today. They told me they would settle debt for less if i paid now but they refuse to verify debit or company. The first time they called they said they were T H E legal processing. The second time they said they were tristar legal processing. The number they called off of is different than the number they said to call back.

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 2019-03-21 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: AmeriCollect
State: MI

Complaint narrative:
MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY PO BOX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR AMERICOLLECT INC  IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/2019 I contacted ( XXXX ) to have my credit report from all three agency mailed to me. I decided to have them mailed because when I tried obtaining it online in the past one or all three refuse to allow me to access my report. Last year after first going online I only received one report. I called two weeks ago, and have not received anything any from TransUnion, 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 non-monetary relief
Consumer complaint received 2019-03-21 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: CORELOGIC INC
State: MS

Complaint narrative:
I received a letter from Credco dated on XX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked Credco to run my credit from both XXXX and XXXX. I had already reached out to that company with no response. Credco did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to Credco and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to Credco. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.

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 2019-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
I had a lease car with BMW, due to loss of job two years ago I had a payment plan with them. Even after taking care of everything once I got the job. They still report 21 late fees and they won't take it off. Now everywhere I go to get a new car they are giving me a lot of problems. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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 received a letter from XXXX dated onXX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked XXXX to run my credit from both Experian and XXXX. I had already reached out to that company with no response. XXXX did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to XXXX and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to XXXX. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.

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 2019-03-21 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: MI

Complaint narrative:
On XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my XXXX and Experian credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with XXXX and Experian. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with XXXX  and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for XXXX and XXXX to verify. The account still remains on both of my credit reports with XXXX and experian, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
XXXX  XXXX  continued to bill me after I cancelled my insurance policy years ago. I told them more than once that I no longer wanted their insurance and they said on multiple occasions that I would not be billed. However, they billed me anyways and sent the bill to debt collection without contacting me. I had no idea until I ran a credit report recently. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is LVNV FUNDING LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) LVNV FUNDING LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation LVNV FUNDING LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where LVNV FUNDING LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. LVNV FUNDING LLC has not even tried to contact me  regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation