vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Shell Credit Services/ Citi Group is in violation of my Cease and Desist Order due to the fact they had closed this account back in the spring of 2020 and I decided to turn several of my credit cards over to XXXX XXXX XXXX  XXXX for Debt Relief and I initially wrote Shell  notifying them that the account in question had been sold as of XX/XX/2020 and for them to contact XXXX XXXX XXXX  XXXX . Since then I have mailed them 3 Cease and Desist Orders requesting that they not contact me any further and telling them repeatedly that XXXX XXXX XXXX  XXXX needs to be contacted. 
The most recent order has not had time to get there it was just mailed out yesterday, however with that being said they repeatedly call here and have done everything in their power to get me to answer the phone ( blocked the number, shows unknown number, hides their company name, hides their number, shows potential spam ) They received one of the letters but their response said We appreciate you contacting us concerning your account however, we need to speak directly to you and we do not need to speak to anybody else. 
I have answered telling them not to call me any further and to call XXXX repeatedly or either they leave me a message that they need to speak to me directly. The number comes up as an unknown number but they have left a message with a call back number, XXXX. The most recent contact from them was an email on XX/XX/XXXX, XXXXfrmanding to make a payment now and to login on my account to make the payment and then they called in on Sunday XX/XX/2020 requesting the same and stating that it is important

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 2020-08-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.

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 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, XXXX and Transunion about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you

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 2020-08-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The company Automobile Acceptance Corporation ran my credit without my permission. I originally got a voicemail saying they needed to speak with me about my loan application. Then I got a email saying they would like to speak with me about application. I then called and told them I never applied for a loan application. I then check my credit and see they have ran my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I continually get phone calls supposedly from Chase about my rate expiring. The number on my caller ID is XXXX XXXX. When I requested that my phone number be removed, I was told that I had to pay {$1000.00} to have it removed or I would be called once a day. The phone number call was XXXX XXXX and the most recent call was on XXXX XXXX, 2020 at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account to XXXX   & Transunion. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX Balance : XXXX Account : 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 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.

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 2020-08-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.

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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had opened a loan with Chrysler Credit had paid extra payments through out the loan term. At one point during the term I questioned them on how they were applying the extra funds I had submitted and they told me it was going to the term of the loan. Which made no sense. Things got really messy when I ask for a one month extension they put two on there and when I asked why they said that was policy they put those two on the back of the loan. Then when the payment came due they showed it 60 days. At one point I feel behind and they took the car. I had to get it back and paid that ridiculous amount. This car has been paid off but what they are showing is unreasonable fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}

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 2020-08-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} FXXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}

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 2020-08-11 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: RI

Complaint narrative:
On XX/XX/19 I legally changed my first, middle, and last name. I have sent Experian the name change paperwork more times than I can count over the past year. They keep refusing to change my name on my credit report and consumer account no matter how much documentation I send them. I really need to use Experian Boost to work on my credit, but alas I am barred from the service. I changed my name because I am XXXX, so this kind of discrimination is outrageous. I have called them at least 20 times and faxed over my paperwork at least a dozen times. Experian does not care. All my banks have my new name on my accounts, yet Experian will not update it or let me use their credit repair services.

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
The information thats being reported is not mine I had no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NY

Complaint narrative:
Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access an attorney 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. I have been attempting to repair this since XX/XX/2020 - it is XXXX! 

Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request

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 2020-08-11 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XX/XX/XXXX, Chase Mortgage sent a letter agreeing to correctly update my account to a consolidation loan and not a mortgage account. This Chase account was never a lien on a property. We sold the home back in 2002. As of XX/XX/XXXX the consumer report was updated correctly, but the factual data base reporting to mortgage companies was not updated. Chase is still reporting as a mortgage collection ( foreclosure ) to our  lender. We are trying to close on a house this month. We need this information updated on the factual data base reporting system that the mortgage company receives. 
See documents attached. We appreciate your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I was employed at a XXXX  where I received health benefits. I assumed my benefits covered a one-time visit to the clinic. I never received a bill or notice to pay or dispute the bill. My first realization that the debt existed was when I checked my credit report. I visited in XXXX. On my credit report it says XXXX XXXX is asking to collect {$180.00} as of XX/XX/XXXX. I tried to contact them but could not get through on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
There is no way a cable company will allow anyone to watch {$600.00} + dollars worth of cable with it being disconnected. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.

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 2020-08-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: IL

Complaint narrative:
After being on a income sensitive repayment plan for 15+ years in XXXX I contacted Navient to discuss my options after receiving a bill for 6 times what I had previously being paying. I was told that I no longer qualified for any reduced payment options anymore. The only thing I could do was enter into forbearance and pay what I wanted each month. The forbearance ended and in XXXX again I contacted Navient for support because the monthly payment was again enormous. I sent in my documents again ( paystubs and application for reduced payment ) and again I was told it was not an option for me. The only option I had was another forbearance. I'm nearly at the end of this forbearance and I'm concerned about the same outcome. I believe I have been purposefully misguided. I am a public servant and work at a school. Please help with any guidance possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NY

Complaint narrative:
I was made aware of a collection on my report when I was applying for a loan. The collection Enhanced Recovery is reporting I quickly went ahead to request a validation from them and they sent me copies of the statements ( which I attached ). Statements don't show me how they came to the amount on the collection. This also in no way shows that this debt is valid and is even mine.

Company response to consumer: Closed with explanation