vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have been in communication with Chase Card services. My mother was diagnosed with XXXX in XX/XX/XXXX. I explained to chase card services my predicament of having to take time off of work, to care for my mother. My mother has passed away as of XX/XX/XXXX. Approximately a little over a month ago. I have tried to reconcile and have negotiable terms, and even made minimal payments while being unemployed. I consider Chase Car Services to harassed me through my mothers entire XXXX, and also losing my business. I would like to keep this account in good standing and would just appreciate some understanding from Chase. The negative statements reported to the credit bureaus also does not help me during this major crisis in my life. I am begging for help, to stop the madness and communicate effectively with this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: VA

Complaint narrative:
1-I believe Experian Information Solutions Inc. retaliated against me again ruining my credit report which is free of any miss-payment or any negative item but the Experians externality or Retaliatory inclusion of the same information over and over and forcing me to dispute it over and over wasting my time and destroying my financial reputation and contributing in causing me irreparable damages and losses. I checked my credit report with the other two bureau and it seemed they were deterred from doing what Experian now has the habit of doing against me of retaliation and terror without on the watch of who could stop it by law.so far the other two bureaux they did not have the Retaliatory information that Experian seemed unwilling to refrain from subjecting it against me in violation my rights under the FCRA, in violation of my consumers rights under CFPA and in violation of my Virginia state law too. 

2- I believe Experian Inc. mislead the CFPB and myself when it stated the following which is documented in this CFPB platform : Per your request to conduct an investigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The disputed account has been removed from your credit report. well it is not trutful no serious investigation was that of experian if the same Retaliatory information is my Experian credit report as of today XXXX XXXX. 

3- I believe Experian Inc. dishonored institutions and role of law recklessly. So it is not the first time and it seemed not the last Experian mislead and reply to a complaint in unethical business manner. 


I reserve all my rights including right to sue Experian information solutions Inc. and I have right and my freedom of speech to Expose Experians terror against me and my family in every way. 

When will the CFPB and authorities with jurisdictions stop XXXX retaliation and terror it seemed not refraining from doing it in violation of the law? 

all stated herein is to my current states belief, knowledge, and understating and it is subject to anything or any correction by my person, XXXX XXXX, at any time without prior notice and without waiving my rights.

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.This company is calling no answer really early and really late night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
This company calls my cell phone incessantly seeking personal information. I have never sought this company 's services ; I have no idea why they keep calling me like a stalker. Calls start at XXXX XXXX. ( note, I live in Arizona but have a cell number with a different area code ) and are received multiple times a day. In addition to numerous voicemails, I also receive texts. I am a licensed attorney and am aware of my rights under federal and state law. I have saved all evidence in order to pursue a TCPA or other consumer rights action against LoanDepot. I will likely file suit and seek to certify a class action because I anticipate that LoanDepot harasses others as well. I want calls, texts, and voicemails to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been trying to obtain credit from my bank for over 3 years. Each time to try to get my Credit Freeze Lifted my XXXX XXXX XXXX XXXX XXXX claims that they can not obtain my credit information. I get tricked into giving them my Credit Freeze Pin Number : and my credit information is being manipulated. I have been trying to work with Equifax Credit Reporting Bureau, however this company seems to not be doing a good job monitoring my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I have been trying, for over 6 months to get a loan modification done with XXXX. They have a year and a half of ALL of my financial records and even when they have been sent a FULL package, continue to come back asking for either the same things over and over again, or when I complete the package and all their Final stipulations they start over asking for all new things after receiving everything. They start the process over, and over again each time. I have provided every possible document about my finances, and every time I finish what their multitude of items on their list are they then ask for more. At what point does this end? At what point can it ever stop? As they continue to start the process over and over I continue dipping into my retirement account just to pay my mortgage. There is absolutely no way they can not have a COMPLETE financial picture based on all of the documentation they have received. Every single item they have ever been asked for have been sent in and then, they just keep extending the time period. A year and a half of my financial records should be more than sufficient to complete this package. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: Netspend Corporation
State: AZ

Complaint narrative:
XX/XX/XXXX I went to XXXX to pick up my rental car. I rented there before and asked the agt that the deposit hold would be the usual {$250.00}. He said yes. He finished the rental agreement and I walked out to the car but got a text from XXXX saying {$280.00} had been deducted from my acct. I went back in and showed the agent. He showed me his register and his showed {$250.00}, I showed {$28000.00}. Evidently I had an active reserv. for the 24 hr rental and a previous weekend rental I had cancelled. The agent wrote the agreement from the cancelled reserv. I called XXXX and was told XXXX would have to issue a credit once they cancelled the agreement. ( I no longer needed the car as I had to be where I was going by a cutoff time and that was less than an hour from then and the drive itself was an hour. ) On XX/XX/XXXX at XXXX XXXX credit + {$250.00}. At that point we were even.The very next posted transaction on XX/XX/XXXX at XXXX is a DEBIT for {$250.00}. From all the information I am able to see through the customer website I see no evidence of the original debit on XX/XX/XXXX ( got a letter to supply to the mgr at XXXX  ) the credit on XX/XX/XXXX and the second debit on XX/XX/XXXX. For almost the last month I have been trying to get what it looks like I am owed. I filed a formal dispute XXXX by XX/XX/XXXX it was closed because XXXX issued a credit. Tonight I spoke with XXXX/netspend and a month later I am being told that not only did XXXX issue a credit but now I was told XXXX/netspend also issued a temp credit and that is why the 2nd debit at XXXX XX/XX/XXXX to reverse out this supposed temp credit issued by XXXX/netspend. If that is the case, why am I just finding this out now? Why didnt the dispute process uncover this supposed temp credit. The XXXX agt kept asking me " how do you think your balance got to over {$500.00} after the {$250.00} credit? on XX/XX/XXXX my balance shows at {$280.00}. XXXX  credit posts and my balance goes up to {$330.00} approx.. ( i had loaded {$280.00} onto my card right before going to get the rental. I said, " thats how my balance got over {$500.00}. Needless to say the cust svc agent has all the levers of control in from of her,

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 2019-05-15 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and XXXX ) which I have disputed with LVNV LLC. I do not have a contract with LVNV LLC ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and XXXX to send me proof of my original contract with LVNV LLC or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and Transunion ) which I have disputed with XXXX  XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and Transunion to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.

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 2019-05-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have inaccurate information on all three of my credit reports ( Equifax, XXXX, and XXXX ) which I have disputed with XXXX XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to Equifax, XXXX, and XXXX to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
To whom it may concern, I have tickets for the XXXX XXXX XXXX that I occasionally sell on XXXX and XXXX whenever I'm unable to attend the games. On XX/XX/2018 I sold four tickets to an individual using XXXX and arranged to receive payment via PayPal. 

The individual sent me payment for {$520.00} ( of which Paypal took a 2.9 % processing fee ), netting roughly {$500.00} to me in exchange for the tickets. 

Four months after I received the money via PayPal, the buyer initiated a chargeback on the payment, at which time PayPal automatically debited {$520.00} against my account and an additional {$20.00} for a " chargeback fee ''. 

They made no attempt to resolve the issue with me and sided with the buyer ( scammer ) and the buyer 's financial institution. I provided evidence from my XXXX ticket holder representative as well as a copy of the email correspondent between me and the buyer ( scammer ). 

PayPal still did not look into the issue and merely said that there terms of service prevents them from releasing any information about the buyer or their financial institution, preventing me from taking legal action against the scammer and/or their financial institution for their wrongful chargeback. 

I asked PayPal if they could provide me with specific details about the buyer ( scammer ) and they flat out refused. I asked them to look into the matter and to credit my account as I am a long time customer of theirs but again, they flat out refused. 

PayPal facilitated s scammer to effectively steal {$520.00} worth of goods from me and offered zero help in resolving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a targeted ad from Amex on XXXX, which highlighted the welcome offer of XXXX bonus points for the XXXX XXXX card. As the welcome offer was enticing, I clicked on the ad, which took me to the Amex webpage where I could apply for the card by entering in the required personal and credit information. When I completed the application process, I got an instant notification, indicating that I am approved for the card. There was no indication that I wouldn't be qualified for the welcome offer through the entire application process. The card arrived a few days later and I put the card to use immediately as I wanted to meet the spending threshold quickly to qualify for the welcome offer. In addition, I called in Amex several times to ensure that I would be qualified for the welcome offer if I meet the spending threshold and I was assured by the Amex representatives that my account would be credited automatically once I meet the spending threshold.

It wasn't until several days after I met the spending threshold that I realized I wouldn't be qualified for the welcome offer. After meeting the spending threshold I immediately called in Amex to check when I should expect to receive the welcome offer and I was told that the welcome offer is denied due to the history of receiving welcome offers for other Amex cards. I contacted Amex, explained the situation and created an investigation claim. I waited until today and was told that my welcome offer is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Fraud, scam and false reporting to XXXX about a false debt owed and breach of contract. 

In XX/XX/XXXX l opened a merchandise account and canceled on XX/XX/XXXX by returning the product through XXXX  to avoid charges and stopped all fees and rental. They then closed the account with out fees and rental meaning I didn't owe them anything based on the retun policy in the contract and proven through 20 email correspondences.On XX/XX/XXXX Acima was on my credit report stating I owe them XXXX willfully knowing it was false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 2019-05-15 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.

Company response to consumer: Closed with non-monetary relief