vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 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: MS

Complaint narrative:
I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED 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 explanation
Consumer complaint received 2019-05-26 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: MS

Complaint narrative:
I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED 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 explanation
Consumer complaint received 2019-05-26 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: FL

Complaint narrative:
There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.

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 2019-05-26 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: MS

Complaint narrative:
There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me..XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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:
There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.

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 2019-05-26 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:
There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX XXXX due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I was paying {$300.00} a month and called Sallie Mae because I learned about the new PSLF program from a friend at work. I called Sallie Mae and was told that I would have to change repayment terms to a standard repayment term to qualify. I agreed to increase payment about {$90.00} a month. I was told that I didn't need to do anything and that after 120 payments the rest of my balance would be paid in full. I met with a financial advisor this month who advised me that this want the case and that I would need to pay {$680.00} a month times 84 months! I called Navient who was the. We serviced after Sallie Mae and spoke with loan department. The rep apologized for the mid information and told me I would need to pay {$680.00} a month for 10 years! I was misled for 5 years by SallieMae/ Navient! I am a school Principal so I qualify for this service ... doubling payment is not answe! I am a victim of fraud or negligence by Sallie Mae/Navient! What a real shame and trap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: DISCOVER BANK

Complaint narrative:
I WAS IN XXXX FOR TWO YEARS IN VERY REMOTE AREAS. AS SOON AS I LEARNED OF FRAUDULENT CHARGES I CONTACTED DISCOVER ON PHONE. FROM XXXX. THEY ASSURED ME NOT TO WORRY. I HAVE NO ACCESS TO ORIGNAL DOCUMENTATIN BECAUSE DISCOVER CHANGED MY ACCOUNT NUMBER TO PROTECT ME AND NOTHING APPEARS. I SUPPLIED THEM WITH COPIES OF MY NOTES TO THE MERCHANT STATING THEY STOLE FROM ME AND OWED ME. XXXX XXXX. I EXPLAINED IT ALL TO DISCOVER IN MANY DISPUTES FOR EACH OF THESE CHARGES EXCEEDING 5000 DOLLARS. I SHOWED THEM HOW I HAD PAID WITH XXXX, AND XXXX XXXXXXXX XXXX AND EXPLAINED HOW I WAS TOLD DISCOVER CHARGES DID NOT GO THROUGH BY THE MERCHANT. I NEVER WAS SHARED WHAT DISCOVER DISCOVERED FROM THEM SO HOW COULD I COMMENT ON THAT THEY HAD. THIS IS AN XXXX MERCHANT, THEY ARE NOT HONEST AND IT IS IMPOSSIBLE FOR ME TO HAVE A DISCOVER CHARGE IN ANOTHER CITY THE DATES THEY SAY THEY ARE GIVING ME SERVICES ALSO. NOW THAT 2 YEARS HAS PASSED DISCOVER JUST PASSES IT OFF AND DOES NOT WANT TO DEAL WITH IT. NO MANAGER EVER GAVE ME THE ATTENTION I REQUESTED. I HAD A MERCHANT ACCOUNT WITH DISCOVDR FOR MY BUSINESS, ALWSAYS PERFECT STANDING, LOW BALANCES UNTIL THIS, AND I EVEN OFFERED TO SETTLE WITH THEM. IT IS LIKE I AM GETTING A FORM RESPONSE THAT DOES NOT EVEN RESPOND TO MY SPECIFICS .... THEY NEVER MAILED ME WHAT THEY SAID THEY DID AND I HAVE ASKED TEHM TO UPLOAD ONTO MESSAGE CENTER, NEVER DONE. I HAVE BEEN WITH THEM MAYBE 10 YEARS. THERE IS NO WAY TO RESOLVE THIS WITH THE THIEVES IN XXXX UNILESS I GO THERE TO THE GOVERNMENT. THAT IS UNREALISTIC. IT IS ALSO AGAINST THIER STATED INTERNATIONAL PROTECTION POLICY. I AM JUST SPINNING MY WHEELS SINCE 2017. NOW THEY SAY SO MUCH TIME HAS PASSED, IT HAS BUT I AM THE ONE PAYING THE INTEREST ON THIS TIME FOR FRAUDULENT CHARGES. IT IS COMMON IN A 3RD WORLD COUNTRY FOR THIS KIND OF THING. IF DISCOVER LOOKED REALLY OR TRIED TO UNDERSTAND IT IS ALSO IMPOSSIBLE FOR ME TO WITH THE DOC I SHOWD TO SPEND THE DISCOVER PORTION OF OVER 5 THOUSAND AND THE XXXX XXXXXXXX XXXX AND XXXX PORTIONS OF HUNDREDS MORE AT THIS TINY PLACE. I OFFERED A SETTLEMENT, AND DEMANDED NO INTEREST AND EVERY REPLY I GET IS FROM A DIFFERENT PERSON AND NO ONE PERSON LOOKED AT THIS GROUP OF FRAUD CHARGES FROM THIS ONE MERCHANT SO NOTHING WAS HANDLED OR INVESTIGATED REASONABLY. I HAVE NEVER DISPUTED LARGE CHARGES, I HAVE WORKED HARD, OWNED MY OWN BUSINESSES, PAID ALL ON TIME WITH THEM NEVER FOR PERIODS HAD LARGE BALANCES, BUT PAYING THIS 5 PLUS THOUSAND TO THEM AND THE INTEREST IS NOT JUST OR ACCEPTALBE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please  investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, my Chase checking account was hacked. A person I have never dealt with or met in my life stole {$1400.00} from my account of which {$1500.00} was present. I informed Chase of the fraud and they refunded my account, allowed me to withdraw my money, and close the said account. However, on XX/XX/2019, Chase is calming the fraud was in fact not a fraud and is demanding I pay the money back to them. 

1. The total amount in my account was {$1500.00}.

2. My rent, which ALWAYS comes out through auto-pay, is {$1500.00} due on XX/XX/2019. 
3. I have no direct deposit or income source that is transferred into the chase account. 
4. Chase claims that I am lying and that I, for some idiotic and psychopathic reason, decided to quick-pay my rent to a random man that there is ZERO records of me ever dealing with before.

5. I have many other accounts that were also hacked such as : XXXX XXXX, XXXX XXXX, XXXX account, and XXXX. 
6. The man who supposedly hacked my account is named XXXX XXXX. A BASIC name search shows no XXXX XXXX residing in the United States. 

I believe that Chase has access to all of this information because of the ease that even an incompetent child could access it. However, they instead try and steal money from my account rather than do their jobs. Lastly, I would like to close with a logic question. If a man has rent due on the first of every month and that rent has been set to autopay for the last 5 years on the exact day, would a sane person decide to quickpay all of the money is his account to a strange whom he has never done business with and that resides outside of the United States?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-26 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: U.S. BANCORP
State: CO

Complaint narrative:
I have an unauthorized transaction on my business checking account at US bank dated XXXX, XXXX 2019. Till XX/XX/XXXX I was on vacation, travelling different cities. Came back home XX/XX/2019 and noticed an unauthorized charge. I did not receive any notifications from bank regarding high amount charges and had no idea that my money were stolen, before I came back home. I don't have bank app on my phone for security reasons. And wasn't able to see charges on my account earlier. Was sure that bank will contact me if any suspicious activity will appear, as all my other banks do. 
My claim with US bank was denied because it was longer then 60 days since the transaction was posted. I filed claim the same day I saw the transaction on XX/XX/2019 and that was 57th day. The bank either can not count well or just lying The amount was {$4800.00}, published XX/XX/2019 by the California Union. I have not authorize this transaction.

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 2019-05-26 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MS

Complaint narrative:
For the past years this company continues to charge me a debt and continues to report to me in the agency XXXX. today XX/XX/XXXX I saw in my annual credit report that this americollet company since months ago has reported me again. knowing that I have made many complaints and I have the proofs please help me eliminate this and that they do not hurt me anymore in 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 2019-05-26 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company was deceptive in there handling of my account after saying it was not on my credit report anymore Business was deceptive in telling me that this Care Credit account was not on my credit report and not to worry about the payments anymore Consumer 's Desired Resolution : I am furious with this company who sent my account to an attorneys office after they told me this care credit account was off my credit report and not to worry about payments. This has caused me severe spikes in XXXX XXXX, XXXX pain, XXXX and XXXX. I want an apology and I want this taken care of once and for all Synchrony Bank acted in a careless manner and caused me great suffering and stress

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 2019-05-26 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. 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 2019-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to the Chase ATM located XXXX XXXX XXXX, XXXX, Illinois on XXXX XXXX. XX/XX/2019, to deposit some cash to my checking account. I made four deposits in total and the first three successfully went through my account. However, the last one didn't. After inserting XXXX* {$100.00} bills in ATM, the ATM crashed and said : " we are having some trouble '' and gave me a receipt. So they basically ate {$2900.00} dollars ...

I called the customer service and they told me I'll receive some credit and send me an email about this. However, I haven't received any credit or any email about it. They wouldn't even tell me how long will this matter be disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-26 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2019-05-26 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: HI

Complaint narrative:
There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX  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 2019-05-26 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: HI

Complaint narrative:
There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2019-05-26 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: HI

Complaint narrative:
There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2019-05-26 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 explanation