vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax exposed my social security number and personal information and waited a month to announce the leak. I was not notified in any form that my information had been compromised and had to find out from the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
From XXXX XXXX to the present, Synchrony Bank has been calling my cell number from XXXX times per day, as early as XXXX XXXX. After the phone call they send a text. I do not have a balance with this bank. My account was paid off in early XXXX XXXX. Multiple calls have been placed to request that they cease their advertising or marketing tactics without success. When I call their XXXX number back, it takes me directly to their automated system which indicates I have a zero balance They need to be regulared and fined.

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 2017-09-12 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: Convergent Resources, Inc.
State: WA

Complaint narrative:
XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has mishandled my information and the information of almost half of all Americans, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my  time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: SC

Complaint narrative:
I called Transunion on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Transunion refuses to investigate even after I have done my part as the consumer.

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 2017-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed. 

Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call. 

Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: VA

Complaint narrative:
SinceXX/XX/XXXX Greensky has refused to withdraw final payment from my bank account before the promotional expiration date ofXX/XX/XXXX after this date interest would apply at 17.99 % Start DateXX/XX/XXXX Total Purchases {$4400.00} - Total Payments and Credits - {$3600.00} + Total Fees {$0.00} = Current Pay-Off Amount {$730.00} APR 17.99 % Interest Charged this Period {$16.00} + Total Prior Interest Charged {$370.00} = Total Interest Charged {$390.00} Promotion Expiration DateXX/XX/XXXX I have attempted to have them withdraw the funds at least 5 times where reference numbers and emails were sent to me saying they would withdraw the appropriate funds.When I call they say the payment never went through. This is just a scam to bilk consumers and especially seniors to pay high interest charges.I thought at first this was a bank or loan company. Not Greensky, the XXXX, GA BBB says they are a LLC like most small companies and that provides " Loan Servicing '' BEWARE!!!! BBB has over 160 customer complaints of Greensky as ofXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX : I became aware of the Equifax breach which happened between XXXX and XX/XX/XXXXand I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is concerning to me and would like to be updated on what will happen next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I wrote a letter to Experian asking them to remove inaccurate information on my credit report and sent all of the required documents that they needed in order to proceed with their investigation. On XXXX XXXX, they responded by saying that my request to investigate said accounts did not appear as though it came from me, therefore they will not initiate a dispute nor any further disputes. The first time I called to dispute, they responded by saying I had to write them directly, which I did on XXXX XXXX. Now their written correspondence requests me to call them ( see attached letter ) in order for them to proceed with the dispute?? This is insane and definitely a stall tactic. I have studied credit reporting laws enough to know that they are giving me the run around and denying my my right to dispute the items on my report. This is a DIRECT violation of my consumer rights according to the Fair Credit Reporting Act and it furthermore stalls the investigation process.

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 2017-09-12 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: NM

Complaint narrative:
I asked Chase Card to stop making inquiries to my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax was hacked, so my information is at risk. I think this is a gross misconduct, especially because they knew for a month without telling the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX XXXX has continually labeled my account as 30 days late when, in reality, I only ever missed XX/XX/XXXX and XX/XX/XXXX payments. I have always paid them within 30 days of the due date. I am more than frustrated with this company. They are never there when I call and when I email they will never help me but, instead, tell me to just call. They have tried to push the blame on me and my insurance agency when I have documentation that they are the ones who are difficult. When I was in an accident that deemed my car a total loss, XXXX completely stopped talking with me when I inquired on what to do. They have also continently lost/never received my emails inquiring about this. They have already marked my account as late for XX/XX/XXXX when I paid the bill I received for XXXX dollars before the due date. I also Paid my account in XX/XX/XXXX and they still marked it as late. Before my accident they were always on me when I was past the due date ( i would sometimes have to have a week or two after the due date, but never 30 dates like they are reporting ), but as soon as they received a check from my insurance for over 6 thousand dollars they completely stopped talking to me. They also did not inform me that receiving a check for XXXX would not count as a car payment.. even though it should. It paid down my account quite a bit. They are RUINING my credit and I want them to stop.

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 2017-09-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I faxed XXXX XXXX Consumer Credit Specialist Department a letter requesting account # XXXX to be removed/blocked from my credit report ( attached are the copies of the letter I faxed, NOTARIZED FTC AFFIDAVIT and POLICE REPORT ). This account is opened fraudulently. I am a victim of IDENTITY THEFT. I told them when I applied for a XXXX  account in one of your XXXX store, the lady who helped me whom I provide my drivers license and CITI credit card informed me that my application was declined. I never receive a card, I never activated a card and I never use any credit card from XXXX. I did not receive any letter/ response from XXXX . To  make matters worse, I disputed this account with the credit bureaus and they are claiming that XXXX  VERIFIED the account details as CORRECT and ACCURATE. 
I called XXXX  today XX/XX/XXXX, and like ALWAYS, I GET TO BE PASSED AROUND. I reached customer service who said they do not have complete access so they Transfer me to XXXX XXXX. - XXXX from XXXX  recovery group said : XXXX received the faxed docs. Said that XX/XX/XXXX they started working on the fraud case, no updates yet, and may take up to 30 days to update. Requested to be transferred to Fraud.
Rep from Fraud said it may take 30-90 days, could be more could be less. Said they cant do anything about it right now. Rep also wants to transfer me back to recovery saying that the recovery group should be the one that has full access to the account. I reiterated FCRA 605B, saying that fraud accounts MUST be removed within/NOT LATER THAN 4 DAYS upon receipt of the Notarized FTC affidavit and police report. But they said the investigation team is already on it and no results yet. They definitely received the documents needed to remove this fraudulent account and DEFINITELY MORE THAN 4 DAYS have passed. This is a violation of the FCRA and this company is robbing me of my rights.

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 2017-09-12 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: TX

Complaint narrative:
XXXX XXXX has a collection on my report. This was a fraud claim that was approved then clearly not approved. I sent a check for the balance to clear it. I have the court paperwork. The credit report agencies refuse to accept this over certification from XXXX XXXX. I have asked my attorney to look into filing suit against each credit reporting agency.

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 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
i was forced to register for an application called XXXX just to receive money that was transferred to me in the same way I 've done 100s of times. It was register or do n't get your money. 

Seems like BofA is trying to leverage their customers into using an application other than XXXX or XXXX, their competitors. 

I do not like being forced to use an application, this is probably an anti-trust issue as well. These banks are too big and bully people 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 2017-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USA Cash Services Management, Inc.
State: NV

Complaint narrative:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX  Account. My mail had also been intercepted by the perpetrators for over XXXX years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I finished my plan with XXXX around XXXX XXXX. I have paid all of my bills, returned all of the equipment and got a receipt. 1 year later I get a suspicious phone call from a dept collector saying i owe XXXX XXXX $ and I need to pay them the amount. right away I call XXXX and they told me that I do n't owe them nothing and the account was closed. I called up the collector and told them that I DO NOT owe them nothing and they told me that they have disputed the charge. 
6 month later ( XXXX XXXX ) I get another phone call from the collector again, This time I told them that this is a fraud and they are steeling money from people. I hang up and called XXXX again, They have check every thing and assured me that there is no charge owed or requested to collect. I called the collector again and told them the story, The representative told me that she will dispute the charge. I called one week later ( XXXX/XXXX/XXXX ) to check that they took me off the system but they DID NOT. I told the The representative to dispute the charge and he told me that he will do it and when I asked to get a confirmation letter or # he refused to give me one and put me on hold for 1 hour. I hanged up and call again to fine that the next representative will do the exact same. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello Dear CFPB I never received statement and i did not know i have balance. the reason i did not receive statement because i change my address XXXX month ago and Chase XXXX sent my statement to my old address. I changed my address by phone and they did not update it and they sent statement in my old address. Its triggered my account to go XXXX days late and all my credit has been ruined. I have mortgage and my interest rate has been hike up double and i will end up paying many XXXX XXXX dollars over year in XXXX yearrs mortgage.

Company response to consumer: Closed with explanation