vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. 

On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. 

I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. 

In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine. 
First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: DE

Complaint narrative:
What happened? 
two of my XXXX cards, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXX card to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXX bank president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.

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 2018-05-07 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: DE

Complaint narrative:
What happened? 
two of my XXXX XXXX, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXXXXXX XXXX to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXXXXXX XXXX  president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: DE

Complaint narrative:
What happened? 
two of my XXXX cards, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXX card to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXX bank president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.

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 2018-05-07 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: NC

Complaint narrative:
Credit bureau was notified about incorrect information on XXXX XXXX XXXX   credit report on XX/XX/XXXX as well as XX/XX/XXXX. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both XXXX and Transunion. These negative items with pending deletion requests still remain as of XX/XX/XXXX. Deletion requests forwarded to the credit bureaus on XX/XX/XXXX according to the collections company.

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 2018-05-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened a business credit card in XX/XX/XXXX ACCOUNT ENDING IN XXXX, I PAYED EVERY CHARGE I MADE ON THE CARD. ANOTHER CARD WAS FRAUDULENTLY ISSUES TO A XXXX XXXX WITHOUT MY AUTHORIZATION and various charges was made on a card that i did not authorize, some HOW they were able to changed my correct address to a unknown fraudulent address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX, according to the statements they sent to me on XX/XX/XXXX In XX/XX/XXXX AMERICAN EXPRESS AND TOLD THEM AND AFTER HAVING TO CALL SEVERAL TIMES THEY FINALLY CORRECTED THE PROBLEM IN XX/XX/XXXX AND I HAD A $ -XXXX CREDIT BALANCE ON THE ACCOUNT NOW I GET MY PERSONAL CREDIT REPORT AND THEY FLAG MY ACCOUNT AND PUT THAT FRAUDULENT CHARGES FROM THE BUSINESS ACCOUNT ON IT. 

I CALLED AMERICAN EXPRESS SEVERAL TIMES AND THEY CLAIM THEY DO NOT SEE THE ACCOUNT ON MY PROFILE, BECAUSE THE ADDRESS I GIVE THEM IS NOT ON THE ACCOUNT SO THEY CAN NOT GIVE ME ANY INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I had leased a vehicle from Honda Finance and my lease ended in XX/XX/XXXX. In XX/XX/XXXX, Honda Finance charged me for property tax for the vehicle, despite me no longer owning the vehicle and the property tax being billed after my lease ending in XX/XX/XXXX. I asked for clarification as to why I owed this amount, and they placed a derogatory notice on my credit stating that I was 30 days late, despite me disputing the charge because it was not owed under the terms of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
TD Bank adjusted account to bill for paper statement fees without my consent. I contacted the bank multiple times via secure online messaging, customer service telephone and certified letter to branch location. I directed TD Bank staff members to refund all unauthorized fees, close my account and mail a check to the address listed on the account. TD Bank failed to close the account as directed and continued to bill for paper statement fees. After a third certified letter to the branch office, the bank did mail a check for the remaining account balance, but failed to close the account and only refund one of several dozen paper statement fees. 

Today the account remains open and TD Bank continues to bill for overdraft fees without my consent. In a letter dated XXXX XX/XX/2018 TD Bank Senior Vice President XXXX. XXXX promises that my account will be referred for further collection action if additional deposits are not made to clear the overdraft. 

TD Bank Branch Location : TD Bank XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
When l checked my XXXX Credit Report l realized that ; MUFG UNION BK/XXXX made a hard inquiry on XX/XX/2018 which l have no idea.

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 2018-05-07 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: NY

Complaint narrative:
Credit Report drawn for mortgage loan. 
XXXX, TransUnion, XXXX  IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " 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 2018-05-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit Report drawn for mortgage loan. 
XXXX, XXXX, Equifax IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where.

Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XX/XX/XXXX/XX/XX/XXXX I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's. Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
When l checked my XXXX credit report today, l realized that ; SUNTRUST - XXXX company reported a hard inquiry on XX/XX/2018 which l have no idea about.

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 2018-05-07 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: CA

Complaint narrative:
Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for an Amex Delta SkyMile card. I made purchase of the required amount within the required time. But it has been more than 100 days, I am waiting to get my bonus points. I am not able to book my tickets because of that. While contacting Amex customer service, they have the same answer all the time " We are Investigating '' None is  ready to provide me any time line or any point of contact to escalate the issue. The worst service I have ever seen in my life. 

I talked to the customer service manager. He also does not have any answer. 
The only answer I get is that " we are investigating ''. You cant even imagine how frustrating it is to wait for more than 100 days for the SkyMile points. Here is the Online conversation ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
When l checked my XXXX credit report today l realized that ; Citicards reported a hard inquiry on XX/XX/2018 which l have no idea about.

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