vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX  and Transunion they are reporting 30 days late payment on XX/XX/XXXX, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX Card Services is inaccurately reporting to the credit bureaus. To Experian and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to Experian. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I never received written notice of debt collection by collections agency before they reported it to the credit bureaus. Now, it has damaged my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was notified of a credit inquiry in XX/XX/2018. I immediately attempted to dispute with the credit reporting agency. They determined this was a legitimate inquiry. I contacted XXXX XXXX to get this removed. I have been told multiple times by XXXX that the request has been submitted to the credit agency. The credit agency states they have not received anything and can not remove from my file. I have been fighting this since XX/XX/2018 and to date the inquiry still appears on my credit report. I have made several phone calls to both credit agency and creditor and I am not able to get this removed. I have filed a report with FTC and now I am here requesting assistance.This has affected my credit score and at no fault of my own. I will be purchasing a home in a few months so I need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
DEAR CFPB For the past 10 months now I've been trying to dispute unverified items on my credit report. I have not got any results of documents verification that accounts belong to me with my signature and social security number on it. According to the Fair Credit Reporting act, SECTION 609 ( a ) ( 1 ) ( A ), they are required by federal aw to verify through the physical verification of the original signed consumer contract any and all account they have post on my credit report. Otherwise, anyone paying for they reporting services could fax, mail or email in a fraudulent account. 


it is in my right to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) they have on file of the accounts listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be remove the accounts listed below. 
XX/XX/XXXX {$560.00} XXXX XXXX XXXX  XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX 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 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I went to XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and I they I was over paying now I am i collection tring to pay on loan but it is hard to do they took my income taxes that I worked hard to have and I am so streed out because wr take out these loan and dont see none of the money and these teachers is no doing thete jobs to make sure we dont get drop t b eu email you late and contact you late days after you had a situation needed to be adressed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Good afternoon! 

I am an XXXX XXXX Service Member in the XXXX XXXX. I have paid my student loans for approximately 12 years and have never once missed a payment. I deal directly with XXXX XXXX for my student loans. I started making qualified loan payments towards the Public Service Loan Forgiveness Program in XXXX. For the next four years I submitted the annual employment certification form documenting my military service and continued to make payments under the standard re-payments plan. I sent emails to XXXX XXXX a couple times a year asking for a cumulative report of payments I made so that I could verify they were tracking what I was. Never once did I receive a reply. In XXXX, after graduate school, I received a letter stating I needed to be in a particular repayment program to qualify and everything up until that point would not qualify. Never once in four plus years did XXXX XXXX send me a letter, an email or a phone call to tell me this information even though they were processing my employment verification letters annually while ignoring my emails asking for verification. Further conversations with XXXX XXXX have yielded zero results and extremely poor customer service with them stating there is no way to appeal or rectify the fact that I was misled for four years about my repayment. Had XXXX XXXX   informed me in a timely manner then I could have years worth of qualifying payments towards PSLF and be close to applying for forgiveness. The plan set forth by congress fixed the issue for those whom already made the 120 payments but did nothing to help fix the underlying issues in which I, and many others, find ourselves today. Nothing has changed at XXXX XXXX. They are still as immoral and unethical as they were since the first day I did any business with them. I thank you tremendously for your time and attention in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: AZ

Complaint narrative:
To Whom It May Concern : I recently reviewed my credit report and noticed the following authorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
I applied for the Business Gold Rewards card on XX/XX/2018 which offered a sign-up bonus of 50,000 MR Points after {$5000.00} in spend. Several weeks later, I confirmed with American Express that the offer was on my account and I had until XX/XX/XXXX to meet the spend requirement. I spent over the amount required. 

I contacted American Express on XX/XX/XXXX since I did not see the bonus in my account yet. They told me that the previous agent had mis-informed me, but I was not eligible for the welcome offer because my account history shows I have " opened and closed frequently. '' I have only ever closed one American Express credit card. 

They then claimed that I received a pop-up that I was not eligible for the bonus when I was applying. This is not true and I did not receive any notice that I would not be eligible for the welcome bonus. 

They are denying me a welcome bonus that they confirmed I would be receiving. I have read many reports and complaints from others about the same issue who also did not receive the pop-up that they claimed would be impossible to miss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: NRA Group, LLC
State: MA

Complaint narrative:
Receiving daily telephone call ( s ) from XXXX XXXX XXXX identifying themselves as from an attorney 's office and I am unable to decifer the name after asking 3 times. They ask me to confirm that my name is " prior married name ". I ask what they want and they repeat the question. I responded yes and they hang up. 

The next call from that number was asking me if I was a different name - my maiden name which I recently change to. When I asked for clarification, they hung up. 

I have received a total of 6 calls in approx 2 days. They never divulge what they want after attempting to verify my name ( s )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XX/XX/2019 Diversified Consult Debt Collection {$500.00} for XXXX I asked the company before making the past due amount if this collection could get removed and deleted from credit and they told me they will also send me a documentation stating it will be deleted and removed but i called back on XX/XX/2019 to confirm the deletion and thats when they told me that the company doesn't do deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received another letter from Resurgent Capital Services. I have requested the proper documents to show and prove they are an Entity that is able to enforce a claim upon my person. I have asked for standard contract, receipts, bill of sales, these are easy to come by and provide to me. I will make it easy please send me the Date Of Late Activity?? My name is XXXX XXXX XXXX. I am requesting Resurgent Capital Services provided me with said account XXXX Ref # XXXX Can I see a Original date of default and collection activity begin, whether you purchased the debt, and if so, the amount, paid for the debt, the date the debt allegedly accrued interest? I do know the law and I can read both FDCPA and FRCA. I live in the state of OHIO we have a UCC LAW 1319.12 Taking assignment of debts and there are standards that you can look up XXXX IT! Once again I fail to see were Resurgent Capital Services is in compliance with OHIO law which is based on Federal LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX will cal repeatedly ( 6-7 times in less than 2 hours ) in attempts to collect a {$50.00} payment that is less than 2 days late. On XX/XX/2019 they called me 6 times between XXXX and XXXX XXXX from various phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have several accounts at Chase Bank. Chase has recently included Chase XXXX XXXX, as a Chase product. I contacted Chase to pay a vendor through Chase XXXX pay, Chase then deducted the amount from my Chase checking account, and made the payment. I quickly realized this was a fraudulent vendor, contacted Chase Bank to investigate, and refund my money. I was told, in bank double-speak, that Chase XXXX pay is considered a cash transaction, and therefore has zero protectins from Chase Bank. I quickly pointed out that I DID NOT withdraw cash and make a payment, I used Chase products and Chase Bank made the withdrawal and payment. I questioned how this payment is different from an online payment from my checking account, there were no answers. 
I feel deceived and victimized by the illusion that Chase Bank Product XXXX XXXX, " is not really a Chase product ''.

I chose Chase XXXX pay, under the deceptive assumption it was a protected transaction, especially since the entire transaction is done by Chase Bank. 
I have made several calls, emails and inquiries, without any reparation. This is a misleading representation by Chase Bank, and I am a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/19 I recieved a phone call from the XXXX XXXX claiming to be mediators. The first rep I spoke with was very rude and hung up after I started to say I have no intentions of paying this, but hung up before I could finish my sentence which would have finished with I have no intentions of paying this at this time. I called back and spoke to another rep who kept claiming I was digging myself into a bigger hole because this is a recorded line and threatened to call me at work and even at church. This is unacceptable. Both reps continued to interrupt and threatened to start the hearing process. Both times they claimed to NOT be debt collectors, but meditation between the client and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I can't access my Bank of America account online. I have called them several times and I was on the phone waiting for them for over XXXX and XXXX. Just for them to say they can't do anything. THey just said they would escalate the problem but would not give me any number or trouble ticket for this problem, nor give me a time line when it will be fixed. This is unexpectable customer service. I need access to my account records to do my taxes and they are unconcerned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I requested my free credit report from Equifax in XX/XX/XXXX. I found inaccurate address and phone information. I opened a dispute and sent supporting documents. At first they told me they could not locate my credit file, then they sent a dispute resolution in which the fraudulent address was removed, but the outdated phone numbers remained. I wrote back and they sent another resolution which stated the fraudulent address was removed, but the included file showed the fraudulent address listed as " previous address reported XX/XX/XXXX '' and my current address as being " reported XX/XX/XXXX '' ; also the inaccurate phone numbers remained. I wrote again, and received another identical reply. I wrote again, and received an identical reply but with ALL phone numbers removed including my current, correct one. I wrote again, and received another identical reply dated XX/XX/XXXX but with the reporting dates of addresses moved up to " XX/XX/XXXX ''. I also received, dated XX/XX/XXXX, a letter stating that they could not locate my credit file because I had not provided documentation of my current address. This is untrue ; with each communication I have provided copies of my current, valid drivers license, social security card, and phone bill. I have lived at my current address since XXXX and there is no reason to report any former address, especially an incorrect one. This fraud originally occurred in XXXX and I thought it was resolved at that time, but apparently it was not. The company refuses to tell me where they are getting this fraudulent address information. They also refuse to allow me to access my reports online. When I call them on the phone, they inform me that they can not determine who is the legitimate holder of this account. I believe I am being impersonated by another, malicious individual and have provided documentation in support of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: NM

Complaint narrative:
Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on  XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX Corporate XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. 
Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! 
Equifax needs to remove this item from my credit report promptly.

Company response to consumer: Closed with explanation