vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX XXXX : XXXX XXXX. XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. 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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed few months ago that there is a collection on my name XXXX XXXX XXXX, and XXXX XXXX. I contact with property manager XXXX XXXX and told her why its on my name since i never lived there. And i told her you removed or i will take you in a court she said no she want to solve issue and she offer me settlement of account. And even tbough i never live there i agree to settle this account and we have agreement and we settled that matter in her office. And she told me that she wrote a letter and email to credit bureau that they can remove. But experian updated that i owe XXXX to XXXX XXXX XXXX XXXX XXXX. I contact her again and she email me back and she said she emailed again.

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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$570.00}. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
The company listed below went into my credit file without authorization. I contacted the company and spoke with a representative and explained that I did not apply for credit with their business. I shared that there were 7 hard knocks on my credit file ( with XXXX and XXXX. ) In addition, there are 10 or more hard knocks with XXXX. Nevertheless, they have fail to removed any of this information. Your help is much needed!!!! 

Chase Bank USA. NA XXXX XXXX XXXX XXXX XXXX, DE Telephone Number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX Opened : XX/XX/2017 Origianl Creditor Name : XXXX XXXX XXXX XXXX XXXX  Amount : {$600.00} Account Closed. First Credit Card. Inexperienced with credit. Want to pay interest. Financial Hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MS

Complaint narrative:
Hello, I was promised a disaster assistance program for 3 or 4 months. My concern when I received the letter for the assistance which was over {$6000.00} to pay by XX/XX/XXXX. 
I called XXXX XXXX two times regarding the amount and I was told to apply in XX/XX/XXXX for mortgage assistance. However, after receiving letters of promise for mortgage assistance, when I applied it took 2 months to get back to me after the application due to documents needed to be sent in. I also received a letter stating I did not have to fill out an application to receive mortgage assistance. Well as time came near XXXX XXXX was not truthful to me about the mortgage assistance and I am about to lose my home to foreclosure due to an excessive amount of over {$9500.00} I can not afford unless I pay in chucks of payments. The company defaulted and mislead me when I was given the time for forbearance of my loan for those 3 to 4 months. Now, they stated I do not make enough to qualify and will not send the information to VA and I am looking at foreclosure. Not sure of the date as of yet. I have items on my credit report in dispute and they added those items in for liability. My family is looking to be homeless. I am employed but they stated I have negative income and they will not allow VA to obtain a waiver for me to modify due to one modification 2 years ago. VA is willing to submit the waiver paperwork but XXXX XXXX said they will not send it to them. I in need of help.

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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed. 

Account XXXX XXXX # XXXX reporting inaccurate open date of XX/XX/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 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
My loans transferred to Navient in XX/XX/2015 for some reason they disappeared and came off my credit report completely for an entire year I called to check on them no one knew where my loans were they wrecked up {$5000.00} in interest even though they were no longer on my credit report and XXXX and had no idea where my loans were. I continue to call over and over I asked to talk to supervisors with no response back Ive asked for a list of my bills and where my loan has been they always there for me to another department or student loan services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC
State: NC

Complaint narrative:
I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Discovery Systems, LLC
State: AZ

Complaint narrative:
This collection agency called myself and my sister at XXXX. A voicemail left by a XXXX XXXX stated " giving you a call in regards to a petition of garnishment filed against you by XXXX XXXX. Prior to submitting the paperwork on your behalf I just want to go over with you because you do qualify for a settlement on the loan. '' This collection agency has no right to contact my family over an old debt. The agency also has no right to do ANYTHING legally on my behalf. They are not my lawyer and have no permission from me to act on my behalf. Also, according to my credit report, when this debt was sold to a collection agency, a payment was made that re-aged this debt illegally. The payment was made on XX/XX/2017 completely without my knowledge. I will also be filing a complaint with my state 's attorney General as well as New York state 's attorney general, and the XXXX. I will also be forwarding recordings of the voicemail on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CA

Complaint narrative:
Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason

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 2018-02-23 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: MD

Complaint narrative:
I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have written several letters to Transunion about hard inquiries on my credit report that I didnt make and they are still there I have over 60 hard inquiries on my credit report that need to be remove in they have not been move yet

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 2018-02-23 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: MD

Complaint narrative:
I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

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 2018-02-23 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: MD

Complaint narrative:
I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

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 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
I have filed 2 complaints against this company they was never even reporting this debt to major credit bureaus until I recently filed 2 CFPB complaints this company is trying everything they can to hurt my credit and in retaliation of my recent complaints they report the XXXX XXXX XXXX then it was taken off my credit report and put back on in violation of the F.C.R.A this company is also being reported for investigation by the Missouri Attorney Generals office for retaliation against me i dispute this debt it's taken off my report then Mid America Accounts Control Bureau vindictive conduct against me is pure retaliation and needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During the months, XX/XX/XXXX and XX/XX/2016, I attempted to make the payments on my secured credit card and was unable to due to the processing system being able to use my cards account number which was the only way I was allowed to pay at the time. The debit card I used to pay my bill with was a prepaid debit card and was not accepted. I didn't have problems with paying my bill before this time of incident. 

I had contacted capital one customer service multiple times to try to resolve the issue and was spoke to rudely by the customer service representative. As I was speaking, I was cut off multiple times while trying to explain the problem I was having with my debit card at the time of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a federal check and couldn't access my funds for 11 days. They told me that my check was deposited two times when I called the XXXX #, witch made me confused, stress out, at that time I had was buying a Automobile was to give them my down payment. When my bank Chase held my check They almost Void the purchase of the Automobile I gave them my friend blank check to hold. Where I paid an insufishent fund 's because it bounces. I call Chase Corporate office, they still told me I had to still wait. I got frustrated raise a big fuss. The finally I got access to my funds, not in proscribed time of witch it should have been cleared. This took place the month of XX/XX/2017. Caused me a lot of XXXX and stress. I told them I will submit a law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 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: MS

Complaint narrative:
I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from Transunion, XXXX, XXXX I have 18 hard inquiries on Transunion 43 on XXXX  and 16 on XXXX it has been over five months and I have not heard for any one

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