vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on 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 explanation
Consumer complaint received 2020-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
Received letter for {$480.00}. Original creditor didnt contact me until past statute of limitations for insurance company recoupment per Arizona law. Debt collection is illegal for phantom debt. Additionally they are phoning my office excessively.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX  I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody

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 2020-02-11 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: CarMax, Inc.
State: GA

Complaint narrative:
I had an car loan with XXXX. The car was totaled and the insurance company left an XXXX balance in the account. They reported that 2 payments were late when the car was paid off already. I was never late on the payments. The car was totaled since XX/XX/2019. They received a check in XX/XX/XXXX, so how can XX/XX/XXXX and XX/XX/XXXX car payment be late. This is ridiculous and they need to remove those 2 negative remarks off my credit. I even called them to resolve this issue and the situation got worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have the amex platinum card which should provide XXXX  cash monthly. However, I haven't got it ( or can not use it ) since XX/XX/2019. I ended up paying XXXX out of my pocket. 
I contacted AMEX twice and the problems are not resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX sent {$3000.00} to me to paid for the first month deposit for a client renting from me for next XX/XX/XXXX. I have two phone numbers but only one email. Some how he sent it to a name on cash app that looks like it is one of my accounts but does not link to my email. I don't even know how to access this account. I sent the following message thru email to CASH APP. ( They don't have a phone ) I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX. 

I am able to sign into XXXX XXXX XXXX XXXX XXXX $ XXXX  I dont even know how to sign into XXXX XXXX XXXX $ XX/XX/XXXX It should be connected to either of the first phone numbers or card or account or address which is XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX How did I get XXXX XXXX XXXX $ XX/XX/XXXX When did I get this account? 

Have you researched that this account? 

I emailed them countless times but kept getting back general responses that had nothing to do with my specific problem. 

This started on Sat When XXXX sent the money to the " XXXX XXXX XXXX $ XX/XX/XXXX '', the one that I can't access and don't remember creating. I feel that they are stonewalling me so that they can make money off keeping it in their system for days while they gas light me by telling me that they are looking into it. 

It should be illegal to do financial services with out having a phone service to deal with the complications that can arise when dealing with large sums of money. 

No one at this horrible company has told me where the money is. They should go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I woke up Monday the XX/XX/XXXX, the day my direct deposit was supposed to post to my account, to find that my American Express Bluebird card was no where to be found. I didn't think much of it at first, thinking I must've misplaced it and went on about my business. As the day progressed and after a couple of hours searching for it, it didn't turn up. At this time I thought it would be a good idea to check my account with the app that is available for this card. I was shocked to see 4 transactions for withdrawls of a total of XXXX dollars in addition to fees imposed by American Express for the atm transactions. I immediately started the process of canceling the card and ordering a new one in the app. Once that was done I spent a couple of hours trying to figure out who could've stolen my card and gotten my pin. Having no luck with that I decided to call American Express to see if they could help. They informed me that they would begin an I investigation as soon as I returned a signed copy of a document called a " Declaration of fraud " to their fraud dept. I did so as soon as I was able and returned the document via their upload link on Friday the XX/XX/XXXX. They informed me that I had returned the document within the proper amount of time since I had until the XX/XX/XXXX to do so. On Monday the XX/XX/XXXX I called the fraud dept. That afternoon to check on the status. They informed me that they had completed the investigation and denied approving provisional funding to my account because they had determined that the transactions were authorized. I'm absolutely furious that they feel they can make a conclusion like that while I desperately need the money that was stolen from me to pay my rent. I asked that the issue be escalated but after asking for and getting a supervisor on the phone, all they were willing to do is reopen the investigation at this time. Please help me with this issue as I don't know how long I can talk the person whom I pay rent to, into letting me stay while this issue goes unresolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
*Judgement filed in New Jersey Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX * Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$3200.00} Case # XXXX Status Updates May Be  Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$830.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$1400.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX Im in the process of re-establishing my credit. I havent had any activity on my credit report since XX/XX/XXXX. I wanted to verify any information associated with my make credit to make sure there arent any judgements associated with my social security number. I noticed multiple judgements were issued to me supposedly back in XX/XX/XXXX. I was never issued a subpoena to appear in court because I no longer living on that address for years. I heard about the judgement when I was issued a wage garnishment ny my employer. ( XXXX ) I contacted the court clerk to inquire about the debt but I was given very little to no information in return.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A War Zone I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man  Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A War Zone I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-11 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 that should be on the report is missing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
the complaint that was filed case number # XXXX, # XXXX, was closed because it was stated could not find a case number the company stated in that complaint a post office box was used, and was denied, base on the USA Patriot Act that is a Federal Law, pertaining to money laundering, personal information, identification, with financial institution, this Federal Law was used to denied the Credit Card Application, the company states a PO Box was used not the case, even if it was base on the law with the USA Patriot Act the complaint had an obligation to contact the applicate for other information to complete the Credit application, the address was on the application as well the denial letter was mail to the address and not the PO Box , this do show the Card company had the right address, CFPB reviewed that complaint and miss this very important material this is new information that was over look, and is requesting to re-open this complaint with Kohl 's Department Stores,

Company response to consumer: Closed with explanation