vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 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: Innovis
State: GA

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: NY

Complaint narrative:
Dear Experian : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 
XXXX XXXX Account number : XXXX Opened Date : XXXX   XXXX. 
Opened Date : Experian XXXX. 
Inaccurate Open Date must be deleted inmidiatly. 

Account status : XXXX reports : OPEN Experian reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : XXXX reports : no payments Experian reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 
Theres a picture of the deletion of this account from XXXX as proof of they are using the right method of verification

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 2018-11-26 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: WI

Complaint narrative:
My new car has been paid on time every month since I purchased it. Its showing its 90days late when Ive never been 30days late on this car. My credit report is now showing 3+ months late, when I have previous credit reports and bank statements that show it has never been 30days late.

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 2018-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on the morning of XX/XX/2018 I notified BANK OF AMERICA that a substantial amount of money was missing from my checking account, different amount were taken on different time and day, total of money taken ( $ XXXX ) i visited my local account in XXXX, NJ, spoke to XXXX   and XXXX. the initiated the claim, # XXXX phone calls where we had little results, continued filling additional forms, on XX/XX/2018 found were available. but A month later again BANK OF AMERICA put a hold on the money again. their explanation was that they change there mind and where taking the money back. 

last action i did, was a police report has been filed and sent to XXXX at bank of america,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NY

Complaint narrative:
I have Had an adjustable rate mortgage for about 15 years now this is a fairly new processing company and I have yet to receive the notice that my payment will be changing which normally adjust as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2018, I purchased on XXXX a wheelchair ramp for {$240.00}. Upon delivery of the item by XXXX, I unpacked and tested the ramp by setting it up on my van and by walking up the ramp into the van. I found that the product lacked quality and fitness for use because at the center hinge point the ramp would give, causing a sense of instability. I called XXXX requesting authorization to return the item for Visa credit, but was told to call a third-party vendor of XXXX located in XXXX, CA. I did so and after explanation received authorization to return the ramp, which I repacked in the original box and sent by XXXX at my expense of about {$30.00}. The ramp was received in XXXX and the merchants did not enter a dispute. On XX/XX/2018, Bank of America posted a credit for {$240.00}. Inexplicably, however, on XX/XX/2018, BofA sent me a letter stating that I still disputed the charge I needed to sign and return the letter within 7 days. No merchant dispute information was sent with the letter. I did not read the letter soon enough and my monthly statement revealed that on XX/XX/2018, BofA reversed the credit. On XX/XX/2018, I faxed a letter to BofA requesting correction of the reversal, but my request was ignored. BofA caused me a forfeiture by setting up a false dispute when the merchants did not respond to my credit 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 2018-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
My credit report is showing I owe a collection agency ( COMMONWEALTH FINANCIAL SYSTEMS, INC ) for 2 medical services I NEVER received, let alone step into a hospital! I am in NO WAY ASSOCIATED with this claim and ask that this is removed from my report. I have done research on this company and see that it is a FRAUDULENT COMPANY that has done this to many people! 

{$1100.00} Opened XX/XX/2018 ( 1 mo ) Account status Open {$780.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I have tried disputing this debt on numerous occasions saying this isn't my account that I have been a victim of identity fraud. I will fill out any necessary paper work. This is still on my credit report and I haven't received any documentation on how to resolve this with he company.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
This company is reporting that there is a balance owed. According to XXXX there is a XXXX balance but this collection agency is stating that there is amount owed. We paid XXXX {$220.00} about two weeks ago and was informed by over 10 reps that the remainder of the balance will not removed. Well the collection agency only removed the {$220.00} and not the full payment. I spoke with a manager by the name of XXXX at XXXX and informed me that we do not have a balance. The {$230.00} that is left on the account need to mimic what XXXX system has. The services have been disconnected as paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I schedule regular payments through my bank just over the amount typically due. When my statements comes in I make adjustments if necessary, ( happens occasionally due to escrow fluctuations ). I did not receive a statement for my XX/XX/XXXX payment.. The XX/XX/XXXX payment processed through my bank for {$1300.00}. My XX/XX/XXXX statement claims that I missed a payment and my amount due is now {$2800.00}. My payment due went up to {$1300.00}. This would indicate that they received nothing from me for the XX/XX/XXXX payment. And they attached a {$41.00} late fee on a payment that was short @ {$75.00}. I don't believe that it's a coincidence that the only time I didn't receive a statement coincided with an increase in the amount due. Di Tech just went through Chapter XXXX. I don't believe this is an isolated event. 
Thanks for your attention,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: NC

Complaint narrative:
I have filed a dispute with Equifax INC many times concerning this matter.I have spoke with the Equifax fraud department many times concerning unauthorized inquires from XXXX XXXX  XXXX that was placed on my Credit Report.I have asked Equifax to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to Equifax and myself showing that the those inquires need to be suppress from my Equifax Credit Report.I have resent the letter that send to me but Equifax still refuse to remove them from my Equifax Credit Report which is outrageous that Equifax is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX. I didnt give permission in this service. 

XXXX Inquiry from XX/XX/XXXX i never had contract with this company. 
Synchrony Inquiry from XX/XX/XXXX I receive an alert in my email and had communication but I didnt get resolution because I didnt summit any application. 
XXXX XXXX opened a extra account by error and closed my credit card without my permission. it was in good standing. 
I talked with XXXX  and XXXX  but they didnt remove those issues from 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 2018-11-26 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: LEXISNEXIS
State: MO

Complaint narrative:
My insurance premiums kept going up though I had no tickets or accidents. This last time I just couldn't take it no more when they up and took it out of my account at almost double my premium I called they said that I had a ticket and no I haven't. Argued with them for a minute then they told me to get my record. Gave me the number to the reporting agency and I requested a copy. They sent me a copy and then I see several tickets and accidents I never have as well as the lady 's information that had this stuff. Different date of birth differant ssn different address well different everything even name. This is so unfair on credit reports and now I've been forced to pay higher insurance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a hard inquiry from Synchrony/PPC on my credit report dated XX/XX/18. I did not do anything to warrant this inquiry. I have not applied for any credit or loans, or even credit increases. I contacted both Synchrony Bank and Paypal Credit, and they both indicated that they do not have any evidence of any attempt to do so. They did not help me in getting the inquiry off my report though.

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 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Unverified information reporting incorrectly {$1000.00} for inaccurate report of miss information on my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/2018 I opened checking & savings accounts under a {$400.00} new account bonus offer and then transferred the required funds in ( see Bonus Screen attachment ) XX/XX/2018 I started an online chat with CitiBank to ask about the bonus and was told the bonus would be applied by " XX/XX/2018 '' ( see Chat attachment ) XX/XX/2018 I  called to ask about it and was told a " promotion dispute '' Reference # XXXX would be opened and I'd hear something within 10 days. 
XX/XX/2018 Still no bonus so I called again and asked for a supervisor. I was transferred to XXXX who said he would escalate the issue. 
XX/XX/2018 No updates from CitiBank or bonus paid so I called again and asked for a supervisor. XXXX picked up on the supervisor line, told me there was nothing saying when the bonus would be paid and that the bonus team did not answer when he tried to contact them. I told him I would be filing a CFPB complaint so asked if he would put a note in the file so they can prepare a response.

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 2018-11-26 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:
I contacted all three credit bureaus ( XXXX, XXXX, and TransUnion ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX  XXXX XXXX, 2 ) XXXX Customer Service on XX/XX/XXXX for XXXX XXXX XXXX, 3 ) XXXX XXXX on XX/XX/XXXX, 4 )  XXXX XXXX on XX/XX/XXXX, and XXXX  ) XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this 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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Credit & Finance, Inc.
State: NC

Complaint narrative:
On XX/XX/2018 at XXXX XXXX EDT, I received a phone call from XXXX with Atlantic Credit & Finance. When I picked up the phone she said " XXXX? '' and I said " yes? '' At this point she proceeds to say she is with Atlantic Credit & Finance and that they have purchased my XXXX Credit Card account and gives me the balance due. She does not verify my DOB, last four of my SSN, or even say my last name. At this point I explained to her that she has violated the FDCPA by failing to confirm my identity and could've just committed a third-party disclosure. She said that she didn't do that and she doesn't have to confirm my identity. At this time I told her I have an attorney and she should know that because XXXX was aware of it prior to selling the debt to Atlantic and that it's probably in their file. She wanted the attorney 's information to continue collection efforts. At this time I told her she is to cease and desist all contact with me and that I will not be providing her with my attorney 's information based on her inability to verify my identity prior to disclosing the debt information.

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2018, I was calling Experian 's advertised number on their website to cancel the membership service, for which they automatically charged my credit card for {$24.00} each month. I called XXXX on XX/XX/2018 and waited until XXXX to get a live person. He told me that he did not have access to this type of account so he had to transfer me to another person with access to the account. I said this is the number I was told to call to cancel my account. He said " yes this is the number but I don't have access, do you want me transfer or not. '' When I asked him if that meant I may have to wait another 45 minutes, he said he did not know how long. He said he worked at the company 's XXXX XXXX service center. He was very arrogant and cold. By the way this is the only way they can cancel my membership, but I am not able to get through. I feel like I have been hijacked by the company. The only way I am able to get off is to call my credit card company and stopped payment. 

Below is the quote from their website : How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at 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