vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I requested a PIN number for my  American Express Card so  that I could access cash through an ATM. I requested this on  XXXX   XXXX . I was told a permanent PIN would be mailed to me on the next business day. I was to receive it in  5 to 7 days. I checked with American Express o n the evening of the  XXXX  since I had not received it. I was told it could take a couple of more days and to let them know if I did not receive it.   I called them again on  XXXX   XXXX  as I still had not received it. I was told by the customer representative that it was out for delivery and I might receive it tomorrow and there was nothing that could be done. Wanting to see why it had taken so long I asked to speak to the Supervisor. I was given the same story. I then asked to speak to  the Supervisor 's  boss, a gentleman named  XXXX  who told me there had never been a PIN sent. When I told him what the customer representative had said and asked who was wrong he assured me it was not him. I then asked who had told me an untruth and he assured me it was not him. I was told that nothing could be done and that he would open an investigation. When I asked for the results of that investigation to be sent to me, he said they can not do that. I then asked to speak to his supervisor a gentleman called  XXXX  ( sp? ) who apologized and said they will investigate, but nothing can be done about my being given false information several times. I told him what upsets me most is that a financial institution has lied to me, he apologized for that as well. Basically I have done everything that I was asked to do, was misled and the answer is gosh we are sorry. This company handles cash?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: AZ

Complaint narrative:
Several of their employees has violated the Fair Debt Collection Practices Act and are extremely rude in behavior Specifically, the employee disclosed information concerning my wife 's (  XXXX   XXXX   XXXX  debt to me   XXXX   XXXX   on   XXXX   XXXX   XXXX    . My wife faxed in authorization to speak and represent on her behalf on  XXXX / XXXX /  XXXX   and I placed an outbound call at   XXXX    XXXX    XXXX   XXXX   at which time the representative of central Financial Control spoke to me concerning all accounts sent to their office for  XXXX  party debt collection. There was a settlement discussed on the accounts in question. Disclosing amount of debt, services provided and dates, as well as agreeing to settlement terms. I inquired about credit bureau deletion and was informed that deletion of accounts from credit bureaus is falsifying credit reports which are an inaccurate statement and misleading, further violating the FDCPA.   I returned the call to  XXXX  on  X/XX/XX    and was informed that the authorization letter was not valid per guidelines, therefore violating the FDCPA in the previous conversation. Further to this point the agent  XXXX  was extremely rude and intimidating further violating FDCPA guidelines. It was stated on a recorded line by your representative  XXXX  that your company is in clear violation of the FDCPA statues. I called again on   XXXX      XXXX  and spoke to  XXXX   XXXX  who transferred me to a  XXXX ,  XXXX  and was extremely rude condascedning and said the phrase that " I do not talk to him like that '' also stated " that I will be transferred to a voicemail and " is that what I want '' when I clearly asked for a live supervisor, then he just transferred me with out saying anything. He transferred me to a  XXXX   XXXX  who I left a message with and still I have not received a call back from this company. I then called back on the same day at  XXXX  and spoke to  XXXX  who transferred me to a supervisor  XXXX  and I repeated what the agent said was clearly their internal violations. He did not resolve the issue and then said he could n't discuss because still their was not an authorization again, even though  XXXX  faxed it, he was also rude and condescending. This company has several violations against them filed by numerous consumers as well as an F rating with the   XXXX  , how are they still allowed to operate. They are rude and do not know collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I 've been trying to place a security freeze on my Transunion file because I am a victim of identity theft. I was able to place freezes online with both   XXXX    and   XXXX   with no problem. I 've gone through Transunion 's online process multiple times on different days, and every time ( after giving all my information, including my credit card billing info  )  their website gives me the same error : " we are unable to process your request at this time ''. It is obviously not a temporary issue, since it 's been happening consistently for a week. This leaves me, and any other consumer trying to do the same thing, no other option but to call their " customer service '' line which is in a foreign country where many US consumers do not feel safe giving out all of their personal information ( if they can get through to a person at all- which only happens part of the time ). Transunion has made it literally impossible to do something that we have a legal right to do, and which is essential for victims of identity theft.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. This debt is past the statue of limitations and over 7 years old. Transunion did an investigation last year and did nothing. The original default date is incorrect, but it shows 2014 the year that this debt was put back on 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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to post this information. They refer me to the courthouse who they are saying verified and provided the info. I personally went to the courthouse with Equifax 's response to see what was going on and the clerk stated " Equifax is lying to me, their dept does not provide or verify any information to the any bureau or third-party reporting agency ''. They have this problem with Equifax all the time saying the same thing to various people and it is not true. She also told me they had a lawsuit against them for this very thing to XXXX it. I decided to look up lawsuits against Equifax after leaving and they did have a class action civil lawsuit, XXXX XXXX et al, for not properly providing the source of their info on public records and stated it was a violation of FCRA. Then I researched FRCA and found that according to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse did n't provide this info to Equifax to report in the first place nor verify what they are reporting is correct or valid how is this even on my credit report to start with? I want it removed immediately. They are the only one reporting this inaccurate, detrimental information to my credit report and it 's affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
After paying  XXXX  for coverage on  XXXX   XXXX ,   XXXX  , I decided to go with a less expensive auto insurance when it was time for me to renew. I was n't notified of any policy changes and was n't sent anything. I recently checked my credit report and found that I was sent to collections without knowledge of any monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I received a notification from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  that I had a hard inquiry from Capital  One cre dit card company. I filed a dispute through   XXXX   and was told it was sent through   XXXX  .   XXXX    in formed me that I would need to send separate notification to th e two  other bureaus  XXXX  and  XXXX . They provided letters to send to each. Here is what it said :   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX  To Who m It May Conc ern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.    CAP ONE   XXXX / XXXX / XXXX  ( INQUIRY ) Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at  XXXX   XXXX   XXXX   XXXX . I look forward to hearing from you soon.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  SSN :  XXXX   DOB  :  XXXX / XXXX / XXXX  I was informed to wait 90 days to see the inquiry removed off of my credit. When 90 days passed and nothing changed on my credit report, I called    XXXX    and they told me I would need written confirmation fro m  Capitol One t hat  I did no have a line of credit open with them. In  XXXX  of  XXXX  I   called Capitol one  and spoke with a representative about this issue. After getting my perso nal information I was informed that I would be getting a letter within 60 days. I never received a letter f rom Capitol One and the hard inquiry is still appearing on all three credit bureaus reports. I unfortunately, do not have th e employee ID number from the call wi th Capitol One. Now, I am stil l wanting this removed from my credit since on  XXXX / XXXX / XXXX  report #  XXXX  verifies that this inquiry was not me and this was fraud. IF any additional documents are needed please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: TX

Complaint narrative:
Account was reinserted to credit report with my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Texas Guaranteed
State: FL

Complaint narrative:
I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
After looking at my  credit score  on   XXXX   XXXX   I noticed two different charges from a credit collector who I sm familiar with that takes care of medical debts in the arera I reside. These two different reports was a red flag to me due to a couple different factors. The first thing that has caught my eye was the years in which the debt collector is saying I owe money. I did not utilize the ER/Hospital/Physician that this debt collector normally tries to collect debts. The only type pf  medical services I received in both of the years in quedtion is through my family physician who does not utilize any of the hospital/ER in the aera, futh ermore I have not been in a ER as the debt is accusing. The second thing after the reported years not being any year I had been treated in any of the hospitals the days of the accused aquired debts are almost exactly to the date of the other  by one day. What really concerns me about these reported debts is on or around the time the debt collector is saying that the debts occured I was sepersting from my significant other of ten years and he had a family member who was working for the debt collector at the  time these debts would have been acquired. This family member of my significant other were not on a positive point with each other, due to the seperation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In  XXXX  o f 2016 Payment for card Lease did n ot get Properly credited and was reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank closed down business checking account. Attempted numerous times to get in touch with someone to investigate the matter internally, but they kept giving the same scripted responses : " We have the right to close down account '' " There is nobody else you can speak to, the decision is final '' My personal favorite - " No mistake was made '', which I follow up with " Prove it '', and than they respond with some double talk, and back-pedaling to their previous scripted responses, Chase bank, and many other banks, treat you like a  XXXX   XXXX   XXXX  child. They tell you that magic unicorns exist, give  zero pr oof to back up those claims, and tell you they could not possibly be wrong. How do I know that someone in that deparment is not discriminating against me based on last name? How do I know my account was not chosen at random just to appease  U.S.  Regulators? How do I know that some employee did not take his meds that day, and completely screwed up my the review on my account?     Here is my theory. The risk/loss prevention/closure departments are closing down accounts to appease regualators, and/or their bosses. They choose certain criteria, and if you are unlucky enough to meet that criteria, they shut down account without any real investigation into who you are, or what you do. They get to send reports to their bosses, and regulators, and say " See, look at what a good job we are doing, shutting down all of these 'suspect/risky ' accounts '' ... " Now, please look the other way while we allow the real criminals to keep billions in our banks ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am very concern as I was checking my  credit score and  noticed there is a capital  one cr edit card with a limit of {$500.00} under my name. I have no credit card of any kind. This card is not mines but it is under my information. What do I do to correct this. Someone stoled my information and took out a credit card under my name but I have no idea who.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Me and my wife applied for a HARP refinance with  Quicken  Loans on  XXXX / XXXX /  XXXX  . Our application was denied due to our  credit score o f  XXXX . As stated on the     XXXX   website " Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score needed, either . ". see below 's chat transcript. This is an email of the transcript I got directly from QUICKEN LOANS stating that they do infact " accept HARP refinances ''. I should have been approved for the next step, instead i was flat denied.   General Info Chat start time   XXXX   XXXX   XXXX      XXXX   XXXX    E ST Ch at end time   XXXX   XXXX   XXXX      XXXX   XXXX   E ST Duration ( actual chatting time )   XXXX    Op erator  XXXX   XXXX  Chat Transcript info : A team member will be with you shortly.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info : info : Please wait while your chat is transferred to  XXXX   XXXX .   info : All team members are currently assisting other clients. Please hold for a brief moment. Thank you for your patience.   info : The chat transcript will be sent to :  XXXX  XXXX  XXXX  at the end of your chat.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info :  XXXX   XXXX  : Hi, I just chatted with a gentleman about being declined due to our credit score. I applied for a HARP refinance. He said we were not eligible due to our credit score being  XXXX . I just read the HARP qualifications and i got this directly off  XXXX . -- -- -- - Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score  needed, either.  XXXX   XXXX   XXXX  : OK there may be other lenders that follow those guidelines, but we may have some overlays.    XXXX   XXXX  : ok. What should i do now? Wait for a call or email?    XXXX   XXXX  :  Well I would co ntact the lender that currently holds your loan, unfortunately I have to follo w Quicken Loan guidelines.     XXXX   XXXX  : Ok, Thank you  XXXX   XXXX  : Thank you  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My loan was sold to  Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE DISPUTED WIT H TRANS UNION OV ER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  ,  XXXX ,  XXXX  I DO NOT RECOGNIZE THESE INQUIRES AND  TRANS UNION S TATES THEY VERIFIED THESE INQUIRES AND I KNOW THEY DIDNT BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRES

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 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have sent this company multiple communications regarding an account that was opened in my family fraudulently. As of today they still have not resolved the issue and everything I call I get the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
Account was paid as agreed and was never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
A charge was made by a company making false claims for a product and also added an additional product not purchased. The bank will not honor my dispute and is charging me absurd late fees on balance not paid.

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 monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax wont let me see report credit file wont let me have acess I never ordered  XXXX  service that yea r 2016

Company response to consumer: Closed with explanation