vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX XXXX. I didnt have a choice as this was a dire situation. Anytime you have a XXXX XXXX emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank did a construction loan in XX/XX/XXXX for XXXX and XXXX XXXX. I did the grading for their new home which was completed in XX/XX/XXXX. I filed a lien with the XXXX County Clerk of Superior Court on XX/XX/XXXX. 

XXXX XXXX, Manager at First Citizens Bank ( XXXX, NC branch ) managed to facilitate closing this loan with the lien attached that has not been satisfied. XXXX, XXXX and XXXX had knowledge of the lien prior to closing the loan. 

I was told by a loan officer at First Citizens in XXXX, NC that a loan could not be closed with an outstanding lien. So, why have I not been paid? 

I suspect that XXXX XXXX ( homeowner ) has committed the fraudulent, felony act of forging my signature on a XXXX XXXX and XXXX XXXX ( banker ) has made attempts to conceal it. He has even asked a former co-worker to sign a non-disclosure agreement when she resigned from First Citizens Bank. 

It should be noted, the general contractor also filed a lien and perfected it with a lawsuit which is pending in XXXX County Civil Superior Court. I consulted an attorney about perfecting my lien with a lawsuit, but I could not afford to proceed with civil action. 

Regardless of what has taken place, I just want to be paid for the work that I did for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We short sold our house in XXXX and BofA is reporting late payments in 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 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
We found 4 charges from XXXX over a 4 month period where someone used my credit card numbers to obtain PrePaid cards and then used them to ___? Pay their own payments? Or? 

I went to XXXX and filed a lengthy claim. They say they do not have the authority to check who, where, how, anything about theses transactions. Were they in-store, card captured transactions? Were they online or? WE were told it had to be taken up with my financial institution and my institution working with them. 

I've been inside my local branch 10-15 times filing reports, submitting papers, etc. and have received 3 form notices telling me that my request has been denied. They indicated that since I had my actual XXXX cell phone account on autopay or ACH, $ 100- {$100.00} every single month on the same day, then these extra charges are my charges too. XXXX XXXX! On two separate trips, one month apart, my branch employee called and discussed the fact that I'm a 17 year customer, XXXX years old and I don't file bogus claims. That employee, XXXX, then twice requested their documentation as indicated on the bottom of each denial. My bank refuses to give me ANY documentation about their investigation about MY account and MY losses as required. 

We checked back with XXXX in XXXX and XXXX informed us they had not been contacted by anyone from Suntrust about this stolen money. 

Why is the bank that's held my Business and Personal accounts for 17 years refuse to cooperate with me in the slightest bit? Forget the outright fraud, how do you treat a valid customer like this? 

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 monetary relief
Consumer complaint received 2019-07-09 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: AmeriCollect
State: FL

Complaint narrative:
Americollect INC # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT EQUIFAX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND  XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX XXXXXXXX AND TO XXXX XXXX  LINE OF CRED, THEY BOTH CONFIRM THAT EQUIFAX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE EQUIFAX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems LLC. claims to be the owner of an account thru assignment. 
This is a non existent debt/account. I have included the notice they sent and my response. I refuse to pay at this time or at any time in the future. 

Jefferson Capital Systems LLC need to Cease and Desist all communication with me regarding this non existent account. 

My response that is included speaks for itself, and states my position clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: NY

Complaint narrative:
I paid a collection that I had with XXXX XXXX in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XX/XX/XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is XXXX XXXX XXXX # XXXX reporting as a collection on EXPERIAN only in the amount of {$360.00}

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 2019-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
Hello, I purchased an auto through Santander Consumer USA in XXXX. I put down {$8000.00} and made regular on-time payments until it was paid in full this year, in XXXX. My husband was joint with me on the account. Santander reported our good payment history accurately for 5.5 years. One day the account was just missing from our reports. Initially I called the credit bureaus, they told me it was " In the background '' and all Santander Consumer USA had to do was give them a call, and have them " re-insert '' the information. I have called in and spoke to Santander Consumer USA at least 4 times. One time the representative laughed at me and told me they were not going to report. I sent at least 3 certified letters to them including copies of each my payment history, my statement showing a XXXX balance, as well as my credit report showing it missing, along with requests to report accurately. They refuse to correct the situation! Or even respond to my last letter, that included the credit report, that they told me to provide! NOW I am concerned my credit report information will be used inappropriately by one of their employees, given the unprofessional treatment they have shown me so far. I am at my witt 's end with them. It was a high interest loan, and I feel very taken advantage of by this company!! I believe Santander Consumer USA is violating the Fair Credit Reporting Act, and should have to pay the fine for doing so, as well as damages to my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I downloaded the XXXX XXXX app to get started on my future and see what all i needed to get to start my future and noticed my credit score was low. I looked and noticed a charge id never been aware of and a price id never seen before, {$860.00} to XXXX XXXX. Id not Received anything in my hand or mailbox saying that i was being charged this amount. I received 1 bill from XXXX XXXX. days after trying to resolve the situation. I called my medical provider and they told me nobody tried to file to bill them for this even tho they are my primary health care provider.

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 2019-07-09 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: U.S. BANCORP
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE XXXX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT XXXX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX   XXXX AND TO US BANK LINE OF CRED, THEY BOTH CONFIRM THAT XXXX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE XXXX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.

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 2019-07-09 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: IL

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In early XXXX, I received an offer from Chase Bank. The offer stated that if I opened a checking and savings account with Chase, I could earn up to {$600.00} in bonuses subject to ( 1 ) setting up a direct deposit ( 2 ) transferring in {$15000.00}. 

On XX/XX/XXXX, I set up a direct deposit into the account. At the same time, I set up a transfer of {$15000.00} into the account. 

The terms of the account stated that there would be fees in the savings account but gave several options to avoid the fees. One of the options was to have at least one repeating automatic transfer of {$25.00} or more from your Chase personal checking account. So I set up this transaction, as long as a transfer of {$25.00} from an external account to my checking account and a {$25.00} back from the savings account to my external account since I did not wish to hold any more money in the account than necessary so as to not get fees. 

To avoid fees in the checking account, I set up a {$500.00} direct deposit from my paycheck. I also set up a recurring {$500.00} to my external account to withdraw the funds at regular intervals. 

After setting up these transactions, I was immediately contacted by Chases fraud prevention team. They asked me to verify that I had set up these transactions, which I did. They then said they were freezing my account and locking my ability to perform ACH transfers into and out of the account. 

Later that night I tried to log in to see the status of my account and was locked out. When I contacted customer service they stated that they were closing my checking and savings accounts as they no longer wanted to do business with me as they were worried about fraud. I could not get any additional information from them. 

I was worried about my credit card ( also with Chase ). They said that after 10 business days I could call back and that Chase would restore online access to my account so that I could view my credit card online. I called back today ( XX/XX/XXXX ). However, they have decided to never allow me online access to my account. I was able to pay my credit card over the phone and they signed me up for paper statements. However, this is a clearly unacceptable way to do business in todays day and age. I have no immediate access to any of my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: EQUIFAX, INC.
State: WV

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I contacted Online Information Services ( OIS ) repeatedly about the misinformation that OIS has provided to credit reporting agencies. I have contacted them numerous times on the phone as well as by sending them written letters over this incident. They deny that they have provided incorrect information to the credit reporting agencies and they have failed to correct the misinformation on my credit report. 
The main problem is how an alleged debt has been listed on my credit report by OIS. Normally, when an alleged debt is disputed by the consumer, the debt collection agency should list the credit account 's status as " disputed ''. By doing so, the credit score is unaffected by the disputed debt.

However, OIS did not list the credit account 's status as " disputed ''. Instead, OIS listed the debt 's status as " valid '' and simply added the remarks, " Dispute resolved ; customer disagrees ''.

This is not the same thing. By listing the alleged debt as valid but only adding remarks, the debt has severely damaged my credit score.

I have notified OIS repeatedly over the phone and via written letters that I dispute the alleged debt and that the credit account 's status is being reported incorrectly. Nevertheless, OIS has failed to contact credit reporting agencies and update the credit account with the correct status.

As a result of the misinformation provided by OIS, this disputed debt has severely hurt my credit score. Before OIS 's report, my credit score was about 850. Afterward, my score dropped down to XXXX. By law, OIS must correct any inaccurate information that they have provided to credit reporting agencies. OIS knows that information on my credit report is a mistake but they have failed to correct it. I have called them repeatedly OIS about their mistake and they fail to correct the misinformation.

Why does OIS list the incorrect status of a credit account? The most likely reason is that a properly disputed debt would have no effect on the consumer 's credit report. However, by listing the disputed debt as valid, OIS knows that the consumer 's credit score will be hurt. As a result, the consumer will be more likely to pay the debt even if the debt is invalid.

OIS has informed me that it is their standard procedure to deal with all of their alleged debts in this manner. This demonstrates that they not only have incorrectly reported my disputed debt but also have probably incorrectly reported numerous disputed accounts with other consumers. This may have resulted in unfairly damaged credit scores of thousands, perhaps millions, of consumers.

Company response to consumer: Closed with explanation