vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l

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 2020-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l

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 2020-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a XXXX check from a XXXX bank  written in US dollars. I was told by the Chase employee it would take 1-2 weeks for it to clear. Even after checking with management in the back. A week later I received a letter from Chase stating it would take 4-6 weeks. I spoke with the payer on Friday and was notified the check cleared their bank on XX/XX/. It is a week after the check cleared and the funds are still not in my account. The branch manager told me he cant help me that I have to speak with their executive office The executive office couldnt give me any answers so I requested to speak with a supervisor. Of course there was no supervisor available and I will have to wait up to 48 hours to hear back from one of them. This is totally unacceptable that they have tied my money up this long and I can not get any answers. I am very very frustrated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/2018 + Truck Dealers XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 - All Bank

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 2020-01-21 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
XXXX dispute number XXXX Federal law prohibits Medicare providers from billing beneficiaries who are enrolled in the QMB program for Medicare Part A and Part B deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the QMB program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of QMBs Is Prohibited by Federal Law Federal law bars Medicare providers and suppliers from billing clients enrolled in the QMB program for Medicare Part A and Part B cost-sharing under any circumstances.

The QMB program provides Medicaid coverage of Medicare Part A and Part B premiums and cost sharing to low income Medicare clients.

QMB is an eligibility category under the Medicare Savings Programs and providers and suppliers may bill State Medicaid agencies for Medicare cost-sharing amounts. However, as permitted by Federal law, States can limit Medicare cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the QMB program have no legal liability to pay Medicare providers for Medicare Part A or Part B cost-sharing.

Medicare providers who do not follow these billing prohibitions are violating their Medicare Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ). 
PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Received a notice on Personal information being DISPUTED. Not something I generated. MAde inquiry to EXPERIAN and questioning where data came from and how they are verifying information as accurate

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2020-01-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, 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 explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: SC

Complaint narrative:
I sent a certified letter to loan company Republic finance XXXX SC and asked them to not contact myself or my father regarding his acct. last month I called to ensure they got it and manager XXXX states they did. My father has XXXX and XXXX   causes his XXXX XXXX go up and he gets sicker. I received another certified letter from them today about what is due on his account. They are harassing us and this has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has now sent me a letter dated XX/XX/2020 stating my accounts available balance was Not enough to cover at least one transaction. We have either paid the item or returned it to the payee : {$30000.00} withdrawl and withdrawn my account {$27000.00}. XXXX XXXX ( manager ) at XXXX XXXX issued new a cashiers check to close this account, then on the following Monday asked me to come back in and write a personal check out of my NEW bank To cover her cashiers check that she had issued, I kid you not. Now I get the letter from Chase that I had written a check to Withdraw to overdraw my account. This branch as well, just told me today that they will not accept my Social Security direct deposit for XXXX, even though they told me my account would be open for 45 days. They have created a nightmare for me and they know that that was initial intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a Capital One Platinum credit card where I make minimum payments in direct percentage to the usage of the card. During the month of XXXX of 2017, I was working as a XXXX XXXX for XXXX XXXX  and the engine in my car overheated and blew up, I was left with monthly payments of {$390.00} and repair bill totaling {$5800.00}, at the time I had very little money saved up and I went through a very rough financial patch because I had to start working inside of the store making XXXX rather than XXXX them and that cut off all of my XXXX, therefore I started to make half of what I was making before. Over the that month, I was barely able to make the minimum payment and by the time I reached XXXX of 2017, I reached and surpassed the {$300.00} credit limit in my card, and was left with a balance of {$310.00}, to which was added a {$35.00} fee, which caused the minimum payment to be {$91.00}, which was impossible for me to pay due to my hardship, which I communicated to Capital One and I was unable to come to a lower payment agreement with them. Furthermore, the month of XXXX of 2017 came by, and I still had not been able to fix my car and I was still paying the monthly payments while making half of what I was before, and so I had not been able to make any sort of payment, which caused a second fee of {$35.00}, and a new threshold for my minimum payment allowed of {$120.00}, which once again was an unimaginable figure for me to pay at the moment, so I once again reached out to Capital One over a phone call to attempt to come to a lower payment agreement so that I would not miss yet another payment, but they were unable to help me out. I was able to finally make a payment on XX/XX/XXXX, but by then I had missed two months of payments. Since then, I have continued my business with Capital One and I have never missed a payment. Now, I am attempting to purchase a car and I have two late or missed payment that are hindering my credit report badly, from a moment of hardship in my early adulthood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Opened credit account with ExxonMobil in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from XXXX that credit score had been reduced due to delinquent ExxonMobil account. Attempted to log on to ExxonMobil website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted ExxonMobil about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't ExxonMobil notify me of a balance due before notifying XXXX? I sent several messages via ExxonMobil 's website about the above and was informed that autopay never got set up. I called ExxonMobil customer service and asked why ExxonMobil hadn't notified me before XXXX. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for ExxonMobil to let XXXX know that I was not informed about the balance due. Needless to say I have recently re-set up ExxonMobil autopay to forestall the above repeating. My account currently is paid up.

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 2020-01-21 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY EXPERIAN 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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
Sometime on or around XX/XX/XXXX, sentry credit inc. placed a collection account on my credit report with the three agencies claiming I owed monies to XXXX. 
I have never owned a XXXX credit card and my last transaction with XXXX was for an order that was not delivered to me because I cancelled the order. 
So I disputed the record requesting for proof of delivery of said account and the order. 
The collection account was deleted by the credit bureaus. 
Two years later, on XX/XX/XXXX I received an alert that sentry credit placed a collection account on my 3 credit bureaus for the same amount as the XXXX but with different account number to make it appear as if it were a different account in order to circumvent fcra laws requiring evidence within 5 days if a prior deleted item is being placed on my credit report. 
Sentry Credit in clear violation of fcra laws and consumer laws, fraudulently placed an old deleted disputed account on my credit report and making it appear as new. 
I will like the licensing regulatory board ( s ) to investigate sentry credit records for all records dating back to my original XXXX complaint and the XXXX new account. 
I will also like to request that the board investigate sentry credit files and records for other fcra violations and malpractices which has been detrimental to not only me but other consumers that may not be aware of their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TX

Complaint narrative:
Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: TX

Complaint narrative:
Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, 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 explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-21 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: NV

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX   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