vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-11-20 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: LEXISNEXIS
State: PA

Complaint narrative:
Hello, I have requested 4 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their 4 responses came back that it was verified. I advised Lexis Nexis that any Automated Response or XXXXXXXX and or matching up the last 4 of a consumer social security number for verification is Unacceptable. I also provided a copy of a letter From the US Bankruptcy Courts of XXXX Maryland  explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 
First letter sent to Lexis Nexis was XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) By phone XX/XX/19 I asked the Representative to send me the copies of my signature bearing this Bankruptcy and she responded and said they will see if they can find my Signature along with the Chapter XXXX and full social security #. Again I received nothing except saying it came back as verified without documentation of my signature which are violations. Lexis Nexis Response Dates are as follows by mail 1 ) XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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:
My name, SSN, DOB are being used to open accounts fraudulently. Ive submitted documentation to the three credit bureaus and the accounts still remain.

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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
I am Trying to purchase insurance however the reporting agency lexisnexis, listed me as at fault for 2 accidents that was the other drivers fault. It is quite implicit in the police reports that Im not at fault. This error is costly about 250 $ difference a month in cost. And cost me my job I was let go from work due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
For months have been receiving numerous calls ( most robo calls ) for different numbers for the same company Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX VA XXXX. They have been asked in writing by mail and email to cease and desist all communication, especially at my place of employment. Instead of stopping the calls have increased and have now became to include with threats to contact my employer. 

Letter dated XX/XX/2019 was emailed and mailed via USPS to the above address. Second letter mailed XX/XX/2019. 

In XXXX a call was answered from an agent for the company, they where given no information and where told to they are being notified to stop calling and remove the phone number they are contacting. 

This company is not following Fair Debt Collection Practices Act and need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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:
My name, SSN, DOB are being used to open accounts fraudulently. Ive submitted documentation to the three credit bureaus and the accounts still remain.

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 2019-11-20 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:
My name, SSN, DOB are being used to open accounts fraudulently. Ive submitted documentation to the three credit bureaus and the accounts still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Texas Guaranteed
State: TX

Complaint narrative:
The Trellis Company is a collection agency that is requesting money from me that I have already paid and I have records to prove it. There was one other collection agency which was XXXX XXXX and they passed it to Trellis Company. Trellis Company took funds from my Social Security. I sent letters to them and they still continued to sent threatening letters to take my wages and any other monies. I think this is fraudulent and I'm willing to believe that other people have had this done to them. I am willing to go to court and I am writing this because this is what I am told to do at this point. 
I would advise anyone with a school loan to save all of their paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
In XXXX of 2016, I purchased a used vehicle from XXXX. ( Colonial Auto Finance ) I traded my current vehicle that was purchased from XXXX  towards the purchase. Within a week I started experiencing mechanical problems, and continue to over the next couple of months.After the vehicle being put in the shop for a week here and there, eventually I was told the cost to repair the mechanical issues were more than the vehicle was worth, but they could do a return or 'acceptance of collateral ', which would satisfy the purchase price of the vehicle and in turn would not have a negative effect on my credit. I agreed to those terms and went elsewhere for my next vehicle purchase. About a year ago, while trying to get financed on a house, we were told this debt was showing up negatively on my credit report. I contacted the dealership where I purchased and spoke to the manager I had done the deal with. He reassured me he would get in touch with the corporate office, and remedy the situation. We have disputed the debt through credit-monitoring companies, but still have a derogatory remark on our credit, showing the account is closed and the remaining balance was never satisfied. We have requested removal. We have contacted the finance company directly, who told us it should reflect negatively because it shows us to be current on payments, however there is no balance due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX  ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under Credence Resource Management, even though each time companies report it, they can not verify the information. I will be including Credence Resource Management in this complaint and a separate one for a debt collection violation. 

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-20 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:
Asked Equifax to remove fraud account from credit report 4 times. Provided the police report as requested by Equifax. Was told that police report provide to them was not a police report. In a federal lawsuit filed by in 2006 by me against Equifax, it was agreed that I would inform them of any inaccuracies and fraud on their report. Other two credit bureaus have removed inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
On XX/XX/19 I sent a letter certified to Experian regarding a fraudulent account on my credit report and I confirmed that they received it dispute removal package on XX/XX/19 via tracking number XXXX. It is now XX/XX/19 and the disputed item is still being fraudulently reported to my credit bureau and I have not received any update or deletion of this information on my credit report. I am filing a complaint with the consumer finance protection bureau to help me in this matter and expedite this violation of my rights as a victim of fraud. I have paid hundred of dollars in mailing processing and to my credit monitoring websites to refresh and monitor this status. I have paid a total of {$290.00} for this and I am under a severe amount of duress because of this.

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 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
We have submitted a full short sale package along with an offer to purchase from a cash buyer. The investor would not order an appraisal would not counter our buyer or tell our buyer the amount they would want to XXXX to approve the offer. Our buyer is able and willing to counter to the amount the Lender would require. Our seller has no income, true hardship medical issues and has asked that the lender postpone the sale to approve the short sale. We even submitted a higher offer that we saw pending a drive by appraisal back in XXXX of 2019 to ask if that would help to approve and the lender would not entertain any offers even after all docs have been collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello American Express, Yesterday I finally received a supposedly corrected 1099c for XXXX. 
However nothing was corrected. 
In XXXX & XXXX I received 1099cs for tax years XXXX & XXXX. 
I have been try for the last 2 years to have them corrected. 
I have sent numerous faxes and at least 3 certified letters.

The letters were sent to : 1 ) American Express XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 2 ) American Express XXXX XXXX XXXX XXXX XXXX Mail XXXX NY XXXX NY, NY XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX ) American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First of all, I would to state that the debt was disputed and the amount that was paid is the amount that was agreed that was owed.So a 1099c should never have been issued.

I would like to continue with the fact that even if the 1099c was rightfully issued its totally wrong.

Please look at BOX # 3- INTEREST included in BOX 2 {$3.00} FEES AND INTEREST acct # XXXX XXXX {$1500.00} XXXX {$1200.00} XXXX {$1500.00} XXXX {$1500.00} XXXX {$1500.00} XXXX {$510.00} TOTAL {$8000.00} FEES AND INTEREST Box 3 : INTEREST Shows interest cancelled if it was included in the cancelled debt in box 2. If you have an amount in this box, think about whether it would have been deductible if you paid the interest. For example, if this would have qualified to be deductible mortgage interest on your home had you paid it, then this interest reduces your overall taxable cancellation of debt income.

Per the IRS BOX 3 ON THE 1099C Box 3 Shows interest if included in the debt reported in box 2. See IRS Pub. 4681- Please correct as soon as possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Please correct as soon as possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of a crime on XX/XX/2019. An international gang forced me to use my credit cards and cash obtained on my business XXXX card to buy {$10000.00} worth of gift cards at XXXX  and XXXX XXXX store, then they took the numbers off the gift cards and bought XXXX watches at other XXXX  and XXXX XXXX stores. I reported the crime and fraud to the XXXX XXXX Police Department ( incident # XXXX ), the local FBI office, filed a IC3 Internet Crime Form, cancelled my credit cards, contacted the XXXX and XXXX XXXX merchants ( the XXXX were already bought and gone ). The banks involved were XXXX XXXX, which wrote off the credit card charge as fraud, XXXX XXXX, whose XXXX card charge of {$1500.00} was paid by XXXX XXXX as autopay but is investigating refunding the charge to me as fraud, and Chase Bank, which closed my business XXXX account and moved the {$4000.00} charge to my XXXX XXXX XXXX card, which has never been activated. Chase Bank fraud department won't consider investigating the crime as fraud and keeps charging me interest on the {$4000.00} charge from the closed account. The gang was able to hack into my Chase Bank accounts online because Chase bank doesn't have 2 way verification of my online bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: IL

Complaint narrative:
This is my third PAY DAY loan with Advance America in XXXX, IN. On Tuesday, XX/XX/2019 I went to take a PAY DAY loan in the amount of {$600.00}. The agent that signed the attached loan agreement, stated my repayment date was XX/XX/XXXX. The assistant manager, XXXX, stepped up and stated that wasn't true. The loan was due in 14 days which would be XX/XX/XXXX. The rep that was assisting me stated, " If that's the way you do it, OK. '' I then challenged the assistant manager. I stated what you are doing is unethical. It's called a PAYDAY loan, not a 14-day loan. She tried to explain how that works, then called the store manager to get his approval to proceed. I asked her if you're not doing any illegal, why do you have to get the store manager 's approval. What this site is doing is they tell you if you don't pay it on the date they have given you ( NOT THE PAYDAY LOAN DATE ), it will cause unpleasantries for you. Your name will be submitted to the database in Indiana, which won't allow you to get any other loans, and you won't be able to write a check. " SCARE TACTICS! '' Then XXXX explained to me you can pay it, and turn around and get it right back the same day that you pay it. In essence, in a month 's period you are paying a {$150.00} finance charge, versus a {$77.00} finance charge, depending on the day that you obtained the loan. Advance America is lending unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a fraud alert text from Chase Bank on Wednesday, XX/XX/XXXX at XXXX XXXX  and within minutes, I alerted Chase Bank that there were 3 unauthorized charges to my debit card ending in the number XXXX. The unauthorized charges are as follows : XXXX XXXX - {$25.00} on XX/XX/XXXX XXXX XXXX NY - {$27.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX  CA - {$63.00} on XX/XX/XXXX After the text on XX/XX/XXXX at XXXX XXXX, I promptly called Chase to dispute these charges, to cancel that debit card, and to get a new one reissued. I was given a " temporary '' credit for each transaction and I received my new debit card on Saturday, XXXX XXXX, XXXX. I even used the new card today which is XX/XX/XXXX. 

When I went to check my balance today, I noticed there was a new charge on XX/XX/XXXX for {$10.00} at XXXX XXXX AGAIN for {$10.00}! How could this be after I had already reported that card stolen on XX/XX/XXXX! 

SO, I called Chase Bank and was told by not one, but TWO people at Chase Bank that the card ending in XXXX was not " really closed '' and that someone had reopened it. I asked how this could even be allowed on a card that had a fraud alert and that I closed. I also asked how there could be 2 active debit cards on 1 account since I had received he new one and used it today. The second girl said she had to transfer me to an escalation department. When I spoke to the gentleman that answered the phone next ( He said his name was XXXX XXXX, he said that those 2 previous people must be mistaken and that the charges must have been charged previously, and then run through again. I demanded to know how this could be possible and I said I would be reporting this to the CFPB. When I said that, he said he couldn't talk to me anymore and that he was transferring me to an executive department. I sat on hold waiting to talk to them for 10 minutes and gave up.

How is it that a card I reported stolen on XX/XX/XXXX of XXXX, and that had already been closed, replaced, and in my possession by XX/XX/XXXX, could incur a charge on XX/XX/XXXX? Has Chase been hacked? Are there untrustworthy employees inside Chase? 

I need some answers. Please investigate. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.

Company response to consumer: Closed with explanation