vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
trouble with Chase Visa CC XX/XX/2019 stmt had chg I thought was not correct. I notified Chase and they took chg off my acct. A few days late I realized chg was correct I mis read XXXX  as XXXX  and I knew I had not purchased anything from XXXX  a clothing store.I notified Chase right away and they put chg back on my acct. In the meantime XXXX sent me a bill for the items I purchased from them. I called Chase and asked what should I do? They said pay XXXX  direct and pay Chase the bal due on the stmt. I wondered if Chase had paid XXXX the amount they put back on my acct. I called XXXX to find out.. they had not recd any pmt from Chase. XXXX had recd my pmt so my bal was XXXX with them Chase refuses to clear my acct of the XXXX chg I paid direct to XXXX  on the direction fo Chase!! I have called Chase several times and sent them copies of the check I paid to XXXX TWICE.Its now XXXX and the chg is dtill on my acct. Can you help????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have two CITI credit cards. One is the CITI Costco Anywhere Card and the other is a CITI Diamond Preferred Card. Earlier this year they lowered my available credit limit on the COSTCO anywhere card, cutting the available credit line down by thousands. I contacted them and they told me there was nothing they could do and it was based on credit reporting. Now, I have received a credit limit decrease on the CITI Diamond Preferred Card. I was told again there was nothing they could do, I would need to clear it up with XXXX  it was decreased based on credit reporting. None of my accounts on my credit report are negative, I have a 100 % payment history on ALL accounts, and until there decreases had on the Costco card {$3000.00} available and on the Citi Diamond card {$740.00} available. Now those cards have an available balance of between {$100.00} and {$200.00}. Again, I have not missed any payments and have been working on paying those cards down, the company says they can NOT help me and I must take it up with the credit reporting agency. I have made no new charges on the CITI Diamond Preferred and have paid on time, with the available credit increasing each month, until now when they suddenly decreased it setting me back. This has a huge negative impact on my credit rating which i am attempting to repair after undue expenses.

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 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
Checked my credit report and see an outstanding bill for {$610.00}. Also, never have done business with Enhanced Recovery Company XXXX 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 2019-11-16 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I don't know who this company is. I can't dispute or try to attempt to fix something i don't know who these people are. Also, the amount is for {$590.00} for the dates of XXXX XXXX. I have had my identity stolen so i can't trust this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: IL

Complaint narrative:
this company is taking money out of my account. I don't have an account with them and they wont assist me with locating the account that is taking my money and they wont stop the payments, the dates and payment amounts are as follows : XX/XX/2019- {$49.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00}

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 2019-11-16 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
i had a car finance with ( GM FNANCIAL XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Receivables Fund Incorporated
State: WI

Complaint narrative:
This company i haven't heard of was trying to figure out how i owe this company, and why it's on my credit report.Also, the amount is {$520.00} of the date of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: TX

Complaint narrative:
These aren't my accounts, and I didn't authorize these inquiries.

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 2019-11-16 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: MD

Complaint narrative:
In XXXX I acquired a water treatment system, had a month payment of $ XXXX a month. But didn't make payments for couple months in XXXX or XXXX. Then in XXXX started to make payments again, but was late with payments, so in XXXX of XXXX I was offered with installed payments by XXXX XXXX a representative of Castle Credit for {$300.00} every XXXX of each month 'till XX/XX/XXXX then he said the account is gon na be closed automatically, which it didn't days later in XX/XX/XXXX I recieved a call from them trying to collect $ XXXX remaining in the account he said. All this time they reported a nonpayment for this account. So I contacted XXXX XXXX XXXX to file a claim, they resolved the issue but leave me a delinquent credit for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: AR

Complaint narrative:
On XX/XX/XXXX I disputed 3 non qualifying inquiries reporting on Equifax in the following letter below. Now I'm requesting the Agreement and or electronic online agreement signature with my signature on it that verifies or make these inquiries a matter of factual record. I understand that Equifax can not report Inaccurate incomplete reporting on my credit report. Furthermore, I understand that it is Equifax responsiblity to investigate and reinvestigate all requests made by the Consumer. And that reinvestigations must be conducted in 15 days. The consumer does not need to contact the original Creditor. That is Equifax job. I will be waiting on the response. If we can not resolve this matter amicably in 15 days as the FCRA requires for reinvestigations. I will be forced to sue you. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX Bank XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX v. Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No!

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-16 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: NC

Complaint narrative:
XXXX XXXX  account was already removed

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 2019-11-16 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: TX

Complaint narrative:
These aren't my accounts, and I didn't authorize these inquiries.

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 2019-11-16 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:
These aren't my accounts, and I didn't authorize these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 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: MN

Complaint narrative:
Inquires on my credit report that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: MN

Complaint narrative:
Inquires on my credit report that I did not do.

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 2019-11-16 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XX/XX/2019, Credit Acceptance REFUSES to report to all 3 credit bureaus ( XXXX, XXXX  and XXXX   ) that my installment car loan # XXXX, is paid and pays as agreed.

Not closed- false information. Credit Acceptance NOT reporting accurately FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: NJ

Complaint narrative:
Ive been in contact with Transunion over the last several months regarding identity theft. I notified them about my case and they have deleted some of the fraud accounts but others still remain. Most recently I sent them a copy of the police report I filed as well as a copy of my credentials proving my identity, and a copy of the 605B law stating they must remove the accounts. Transunion failed to remove 3 accounts and then then sent me a letter on XX/XX/XXXX stating they want to start an investigation instead of removing the accounts. XXXX  and XXXX has already removed the accounts in question after they determined they are due to fraud. This morning ( XX/XX/2019 ) I called Transunion and the agent couldnt find any documents in their system that I sent to them. They are extremely unorganized and this is very unfair as my life is at stake here. I am displeased at the poor job they are doing to protect consumers.

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 2019-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
When checking my payments to Navient, I noticed they missed a payment of {$84.00} form XX/XX/2019. When I alerted them to this, they sent a form notice asking for a copy of front and back of the check. I alerted them the first week of XX/XX/2019. 

When I sent them a copy of my bank statement clearly showing the payment to them and clearly showing that it was an electronic transfer, they sent a form message asking for the front and back of the check. 

Clearly they are dragging this out hoping I will go away rather than fixing the problem and crediting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
was seen in the er XX/XX/XXXX provided my insurance that night, XX/XX/XXXX receive letter i'm in collections, call and they inform me that no insurance was ran. I give the collections my insurance info. Collections came off report. XX/XX/XXXX again same debt on my credit report, Call and they say never received my insurance-Gave it a 3rd time. removed from credit report. XX/XX/XXXX again on my credit-now they state insurance denied and out of timely filing. Asked for timeline of when I called in and they state I never called and gave them my insurance in XXXX and have no record of me calling in. Only a wrong number call is listed. I get my insurance XXXX  and it states that I owe XXXX dollars and I am not liable since the er failed to file in a timely manner. Collections refusing to remove mark. I have never received a bill., they had the wrong address and phone number when I called the hospital to find out what was going on and have asked to get something in the mail and haven't since XX/XX/XXXX when I got one collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: KEYCORP
State: OH

Complaint narrative:
I complained to CFPB a few months ago about this issue, I just received a statement where I 2 payments posted and they took {$130.00} for interest. My payments are {$170.00}. When my payments cross and post together Key Bank take 75 % for interest. 
Key bank is double billing interest the charge don't match the rate.

{$170.00} x 2 = {$340.00} Key bank took {$130.00} interest.

My payments posted less than 20 days apart XX/XX/19, XX/XX/19. 

Due date is XX/XX/19 however, no payment due. The next interest will be {$200.00} if I don't pay them before XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: OH

Complaint narrative:
i had a car finance with ( XXXX XXXX XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: AZ

Complaint narrative:
XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( XXXX, Equifax and XXXX  ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( Experian, XXXX  and XXXX ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.

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