vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 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: VA

Complaint narrative:
15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on Equifax & XXXX on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( EQUIFAX ) *XXXX XXXX XXXX  : XX/XX/XXXX-All Banks *XX/XX/XXXX : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXXPersonal Loan Cos XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX : XX/XX/XXXX -Mail Order Firms *XXXX : XX/XX/XXXX XXXX National Credit Card Cos *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- All Banks XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX-All Banks ( XXXX ) *XXXX XXXX : XX/XX/XXXX XXXX Misc *XXXX XXXX : XX/XX/XXXX XXXX-Bank *XXXX XXXX : XX/XX/XXXX XXXX-Bank *XXXX XXXX XXXX : XX/XX/XXXX-Bank *XXXX XXXX : XX/XX/XXXXXX/XX/2017-Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
CONFIDENTIAL : I filed a cusumer complaint ( Complaint XXXX ) with the Consumer Financial Protection Bureau regarding a charge that was supposedly settled and still appeared on my American Express account. By me contacting you, they retaliated against me for filing a complaint by changing their opinion of the disputed charge in a letter dated the same day it was provided to you. The letter had numerous false claims and than ruled in the vendor 's favor with no new evidence. I have numerous letters where they ruled in my favor I guess today 's consumer have no protection This has been going on since Mid-XXXX XXXX.I been doing business with American Express since XX/XX/XXXX. They are not providing any respect to or organization back having someone above a high school education or recent college graduate that tries to be the hero by writing a letter to me reversing the decision. For your information, I am a XXXX XXXX XXXX XXXX XXXX  with a XXXX and XXXX   degree being in business for 31 years. I hope they realize they are dealing with someone that is highly knowledgeable and educated. From this incident, it appears, the CFPB is working for the big corporations rather than the citizens of this country. Please prove me wrong. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.

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 2019-08-02 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: NC

Complaint narrative:
On XX/XX/XXXX I requested Experian investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. This is a violation of the 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 explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I paid my last bit of four increments of {$4300.00} ( XXXX XXXX XXXX XXXX Dollars ) to an alleged broker/landlord. 
Upon finding the listing on XXXX, I contacted the phone number which they had listed as " ( XXXX ) XXXX. 
The listers name was " XXXX ''. 
I advised him I had interest as such in viewing the apartment. 
He suggested I go to view it in person. 
He wouldnt be able to make it due to other listings he has to show other potential buyers at other locations he has for rent. He told me that I can go in person with the lockbox code in which will grant me access to view. 
Upon doing so, I went on Saturday, XX/XX/2019 at XXXX XXXX on XXXX XXXX XXXX XXXX NY XXXX. 
I viewed the apartment with another companion, I liked the apartment, I then called XXXX to inquire about the process to move in. He advised I should fill out lease application in which he will send me via email. The email is " XXXX '' " XXXX XXXX '' is the landlord and emailed me the lease application. 
I filled it out. I then emailed it, I was told to send deposit to secure the apt . 
I sent the money via ( " ZELLE '' ) She confirmed delivery of funds. 
I havent heard from them until Thursday XX/XX/XXXX in an email reply to my original email inquiring on the lease I was promised. 
I wanted to know why the past couple days, I was guaranteed to receive it, but had yet to receive it. I then got more leary, I was told verbatim, it bounce back but assistant was supposed to send it day prior. I have been " taken '' a victim of fraud a scam. 
I am a mother of XXXX young children, trying to provide shelter for my children and myself, a student and full time worker, I really hope that this matter can be escalated and resolved. Thank You very much. Post all the events that transpired, I looked at the apt online today, I see an adjustment in the listing price by XXXX $ more, also a whole new contact number. 
I have all references, a witness, texts emails, phone calls, pictures, and transaction ID time and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NC

Complaint narrative:
On XX/XX/XXXX I requested Experian investigate all 4 Dept of Education/XXXX accounts. Each account has an account number of XXXX. According to my credit report that I received directly from Experian, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. 

This is a violation of the 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 explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amscot Corporation
State: FL

Complaint narrative:
Im getting repeated phone calls daily to my job. Ive spoken to several people at the company and told them only to contact me at my cell phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Equifax allowed my information to be leaked on the dark web in 2017 and I do not want that company to have access to my personal information any more. I have no way to stop them and no way to be compensated properly either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Timothy M. Sullivan
State: OH

Complaint narrative:
I am filing a complaint due to continuous ( XXXX ) XXXX and HS FINANCIAL GROUP LLC case # : 2019 XXXX XXXX have been calling, harassing, and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Ive had a Coinbase account for several years. Two months ago they locked my account. I made several complaints and no one ever got back to me. I want my money released back to me and I want to close my account with them for their terrible customer service. I almost feel like its a scam and they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
Company - XXXX XXXX XXXX Provided - XX/XX/XXXX I provided my health insurance, paid co pay and was never made of aware of any debt still owed after the service was completed until a collections agency contacted me XX/XX/XXXX in which my credit score decreased. I called and disputed the amount and the lack of statement/bill being sent to me and asked for proof of statements sent and request was not honored leaving my hands tied with a debt that could have been paid without sending to a collections agency. 
XXXX XXXX then moved the collections to AMCOL Systems a collections agency. That company was also called and informed of the dispute and was not willing to assist in the debt or lack there of any statement being sent to me to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX/19 myself XXXX XXXX and my wife XXXX XXXX went to Ashley Furniture in XXXX Ca. 

The salesman XXXX XXXX offered us a 18 month no interest store credit. I put XXXX down on XXXX on a separate receipt. 

My wife on a separate credit account with same terms 18 months, spent about the same. 
Also present was XXXX XXXX our adult son. 

The print out I was given to sign showed 12/months. I told the salesman that I refused to sign that because it said 12 mos. not 18. 


He said he it was wrong, took it to the back office, then returned. He said they put in the correction, that it is 18/mo for both of our orders, not to worry. He said paperwork would issue when the furniture was delivered. 

I informed him that I not sign anything that said 12/months. He not to worry. He gave me his card and cell number if I had a problem. 

The bed set was delivered, nothing mentioned 12/mos. I set the automatic payment up at XXXX month to end just short of 18 months. 

Last month my wife noted the promotion period to end in XXXX 2019. I called and to my dismay, we both are stuck with either a XXXX payment to clear it up, or 30 % interest. 


I checked my receipts, I found the unsigned receipt showing 12/mo. I called synchrony and was told to contact Ashely Furniture. I called the Mr. XXXX the salesman XXXX/XXXX/19, that made the contract with me for 18/mos. He said he recalled that 18/mo, no interest given to us. 
He said he no longer works there, and told us to speak to XXXX. I called XXXX today and he gave me a message that he doesnt no how to help me. 

I am returning to speak to XXXX the store XXXX. I have 3 witnesses, 2 documents that show the 12 month was NOT signed. 
I have the salesman that told us it was 18 months promotion, XXXX XXXX card. His number is XXXX. 
My bank shows every payment was made timely in an amount that was divided evenly between 18/mo. 

I wouldnt have bought that if it were a 12 month payoff promotion. 

I feel this was extremely wrong. I was denied the opportunity to terms of no interest by being given information that ensured we would not pay it off in time to enjoy the benefit. I think it was someone just forgot to make the change, rather than deliberately being deceptive. I am not sure why the salesman no long works there, but we know what he told us : 18/mo no interest. 
Through meeting of the minds and absence of my signature on documents ( we were told were a mistake ) misstating terms, us 3 adults confirmation of facts and the salesmans corroboration of facts, We want to be given the terms we were promised.

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 2019-08-02 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, HS XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.

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 2019-08-02 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:
Disputed address with Experian, never lived there, instead of deleting they Updated it! 
its the same address. Report Number : XXXX Date Generated : XX/XX/XXXX What was the method of verification? 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

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 2019-08-02 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: WA

Complaint narrative:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX, XXXX .. CFPB step up please and remove these inquiries which were done without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.

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 2019-08-02 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: VA

Complaint narrative:
15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on XXXX & TransUnion on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( XXXX  ) XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks *Credit Technologies : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXX XXXX XXXX *XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX  *XXXX  : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Banks XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks ( TRANSUNION XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Dc : XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/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 2019-08-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Thefollowingcompaniespullmycreditreportandassessifmyfinancialprofilewithoutmyauthorization.Ididnotapplyforcreditsothereisnovalidreasonforthemtoopenandcheckmycreditstanding..HavethisinquiryremovedfrommycreditreportasapXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXX

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Credit card was never late, address was updated and paymnet sent out on time. I contacted Chase directly multiple times to update the address and they contiuned to mail stamnets and paymets to old address. I spoke with associate and explained to her the situation she was descriminating due to the old address and my new address. She did not assist me I had to be transfered and was hung up on multiple times. This is unaccaptable for JP Morgan Chase. This is my business card. 
JP Morgan Chase card acct # XXXX last 4 digits opened XX/XX/XXXX its showing 4 times late XX/XX/XXXX XX/XX/XXXX incorrect XX/XX/XXXX Closed account I was told the account was still opened XX/XX/XXXX reported XXXX credit limit {$15000.00} manner of payment ( R01 ) 60-80 days late 1 time'XXXX incorrect Balance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: MO

Complaint narrative:
I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company XXXX XXXX   XXXX as paid in full with a XXXX balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my Equifax report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to Equifax. I have disputed this problem at least five times now.

I have tried calling Equifax multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in Equifax. 

I have had my physical Equifax Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to Equifax. 

Equifax refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX and XXXX  have the account reflecting the correct status of closed and paid in full. How can Equifax refuse to change the status from open when they know it has been paid in full, shows as a XXXX balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.

Company response to consumer: Closed with explanation