vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.

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 2018-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX and I writing you regarding Transunion Credit I filed Chapter XXXX on XX/XX/16 ... They are showing another Chapter XXXX on my credit file in which isnt mine ... I have sent numerous letters and disputed the information no avail ... .I 'm writing you due to the Fair Credit Reporting all information must be correct and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: SC

Complaint narrative:
There appears to be a collection account from XXXX XXXX XXXX with the original Creditor being XXXX XXXX XXXX in the amount of XXXX. I have no knowledge whatsoever on this collection account, and was never seen by any physician of XXXX XXXX XXXX. When asked to be provided with proof that this debt belongs to me, I was sent a list of services provided, none of which was performed on me. Also, I do not have any kind of contract with XXXX XXXX XXXX, allowing them to collect such debt. I need this collection account removed from all 3 credit reporting agencies immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: STATE FARM BANK, FSB
State: AL

Complaint narrative:
To whom it may concern : On XX/XX/18 I received a phone call from ( XXXX ) State Farm Bank - asking to speak to my wife ( name ). I asked what this was about - I was told that they had received a credit card application from her and needed to speak to her. I asked when they received the application and I was told they received it the previous day. I told them that she had not applied for a card and that we did not want a card since she had been deceased for over two years. 

On XX/XX/18 I received a Visa credit card in my wife 's name. 

On XX/XX/18 I called State Farm Bank ( XXXX ) and spoke to a supervisor ( XXXXXXXX ). I advised her of the problem and that I wanted the card cancelled and a written statement from the company that it had been cancelled and that there would be no report to any credit agency. She advised me that they knew that it was a fraudulent application and that the card had been cancelled. She did not know why that the card had been sent anyway. She advised that I should receive the letter in 7-10 days. 

I can provide a copy of the credit card, account number, and date of expiration if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Ditech Financial LLC
State: NC

Complaint narrative:
I regret to say I have not enjoyed being a customer of Ditech. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: SC

Complaint narrative:
Theres a collection account from XXXX XXXX XXXX In the amount of XXXX from XXXX XXXX. This debt was paid in XX/XX/2015by the deduction of state tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My mortgage servicer, Dovenmuele Mortgage, failed to pay my property taxes to the XXXX XXXX Treasurer/Tax Collector on my behalf from my escrow account, resulting in my property taxes going into default. I have been calling every few days, but they have been unable to show me that they are working to resolve the issue sufficiently. I am currently in the process of selling my home, and their mismanagement has resulted in the sale being delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for an American Express Card and it was never sent our to me for almost 5 weeks. 

When I got the replacement card it never worked. 

I have had numerious issues dealing with the XXXX Call Centre for AMEX and I would like the card cancelled and a full refund applied to for {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?

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 2018-08-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian needs to delete and block the following fraud account immediately from my credit report : 1. XXXX 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 non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPL Recovery Solutions
State: NM

Complaint narrative:
JPL Recovery Solutions XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NY XXXX XXXX The company mentioned above contacted me at work on XX/XX/2018. I told XXXX ( the woman calling ) not to call me at work and I would call her back when I got off work. The very next day, XX/XX/2018, I receive a call from XXXX on my work phone. I told him that I told XXXX not to call me at work and hung up the phone. He called me back the same day right after hanging up the phone and said he could call me at work because I hang up before he could finish his sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I recently changed insurance companies for my home insurance. I have a mortgage and escrow through US Bank. I received a letter stating that I no longer have home insurance and they are going to force place it. There was never a gap, I have had home insurance the entire time but I switched companies.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested Experian remove and update my only address where i live and receive U.S. mail and delete all other addresses whereby they are not deliverable as per the FCRA and they refuse to do so.

I requested they delete all telephone numbers associated with my credit file profile and i provided my correct date of birth and correct employer, my only name used and my only social security number and i provided a copy of my drivers license, utility bill and social security card.

I have sent more then 10 different letters the same requesting this action and always providing true and correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: UT

Complaint narrative:
XXXX XXXX. sent a " collection '' letter to me dated claiming that they have acquired from a creditor named XXXX  XXXX and that I " owe '' a total of {$1600.00} due immediately. I made contact with XXXX to inquire on this debt as I have never had an account with XXXX  XXXX, Have no idea who XXXX XXXX even is and I do not claim this debt as my own, nor does this show on my credit. The male that answered the call was disgustingly rude, read me all of my PPI and flung profanities at me saying he did not care what my profession was and didn't care that I was disputing this debt and that he would get this money one way or another and hung up on me. After reviewing reviews over this company is has come to my attention that they attempt to scam people often and I hope they can be stopped before a naive person sends them the money they are requesting and may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I sold my house in XX/XX/2018 and have been waiting 5 months for them to return my escrow money. I've called many times and they keep saying the check is in the mail but it never comes. There is always some story as to why it was not sent such as it was sent to someone else or some other place. I've been more than patient.

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 2018-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/18, I agreed to pay a sneaker vendor named XXXX on XXXX {$170.00} for a pair of sneakers, namely the XXXX XXXX XXXX XXXX mens size XXXX. He instructed me to download the XXXX phone app and pay him via XXXX, which would transfer money from my bank account directly into his bank account. His name is XXXX XXXX, and his phone number is XXXX. This was the personal information he provided to me to submit the payment to him. My XXXX transaction number is XXXX, completed on XX/XX/18. Minutes later, XXXX XXXX confirmed receipt of the payment and said that he would mail the sneakers to me. The following day XX/XX/18, he still had not shipped, so I asked him for a tracking number. He said he would ship on Monday, XX/XX/18. On Monday, I asked him for the tracking number, and he said he needed me to pay him again, for the same amount, in order to ship. I refused to pay him again and asked him to refund my initial payment if he was not going to ship the shoes to me. He has not responded ever since then, and appears to have closed his XXXX account. From his information on XXXX, he appears to have a storefront in XXXX, PA, named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-14 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After some twenty or more disputes, and Experian responding that the information was verified through their third party vendor, but in all disputes refusing to provide the name of said vendor, regardless of request. In such an independent investigation by a law firm in XXXX VA was conducted, and the problematic issue discovered after years of disputes. 


Experian maintains two separate files on likewise named individuals, they maintain a file on XXXX XXXX XXXX, with social security number XXXX, and a file on XXXX XXXX, XXXX, the name XXXX XXXX maintains an address of XXXX XXXX XXXX, XXXX, SC XXXX, and has indeed filed two separate bankruptcy actions under XXXX. The name of XXXX XXXX which is the consumer of which this complaint applies hasn't filed any such bankruptcy action, but because the third party agent, or entity only verifies the last four, the continual reporting of this account on my report continues. 


In response because actually third party agents or entities are required to perform more, the consumer reached out to Pacers, and XXXX, or which neither had any public record for XXXX XXXX, but indeed had public record for XXXX XXXX, in furtherance neither with a degree required by law could verify or cause such verification of which one that exist on any report, only that the name associated with the social security assigned number of XXXX, assigned to XXXX XXXX didn't have any such public records of bankruptcies.

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 2018-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I sent a Debt Validation letter to National Credit Systems and I haven't received anything showing alleged original paperwork from original creditor.I sent a certified letter to them and never received nothing back.Right then it was supposed to be removed from my credit report due to failed no response or proof.I also sent a certified letter of a settlement just to get rid of alleged debt but off was rejected.Also the person I spoke with states he's a supervisor after I ask for another supervisor he states he's the only one, right off I don't feel comfortable.I asked Mr XXXX for at least a settlement agreement in writing stating once alleged debt of agreed settlement was paid that account would be deleted from all credit reporting agencies and so on, he states he can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have had two separate reporting incidents from " XXXX XXXX '' for a medical bill (? ) from XXXX XXXX XXXX in XXXX, NC. for the amount of {$340.00} on XX/XX/2018 and again {$130.00} on XX/XX/2018. I have reported/disputed to XXXX  and both have been removed as of XX/XX/2018. I contacted both the initial biller/creditor and the collections company, both have no record of my name ( married of maiden ), DOB or SSN. Yet, the same set of companies reported a collections amount for the second time. I'm not sure if the company has an error in the SSN of another client or if they are fraudulently billing " customers '' that have never been to them or used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kashia Services
State: WA

Complaint narrative:
I am the XXXX  " " the garnishment I received via email on XX/XX/18 ; for an employee, did not appear to be standard ( signed by a judge or court officer ) I contacted our attorney who then referred me to you to report this. I have all emails and paperwork sent to me by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation