vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The  original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. 

I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. 

XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. 

XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. 

This is RIDICULOUS and I can not afford an attorney to resolve this issue. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Transunion Transunion sent me a letter dated XX/XX/XXXX( File number XXXX ) claiming that my recent request for an annual credit report was denied since I had already been provided a report this year. I called the toll free number provided today the XX/XX/XXXXand the first call sent me to a request to enroll me in an emergency alert program. I responded no. Then it reported that I had won a caribbean Cruise. I hung up and tried again. I was cut off 3 times before I was placed in a que. The fifth connection kept me on hold for 11 minutes and 4 seconds and the voice message asking me to press a button to keep connected became unintelligible, so I hung up. 
What I wanted to know was why they believe I already asked for a report. I have not contacted Transunion for more than 10 years. I have opened a new savings account recently, so maybe the bank asked for my report. But does another agency asking for my report make my personal request null and void? That would make no sense and would not let me check on who has been asking for my credit report, possibly for nefarious reasons. Please advise. ( I can not scan the letter. )

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 2017-09-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
" GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint. 

Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again. 

Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info. 

I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried contacting Equifax about the hacking of consumers credit report that was reported in the news. Tried unsuccessfully to contact them by phone. I proceeded to go on the internet to read the different articles on what I needed to set up my protection from hackers. XXXX articles stated that Equifax will protect me for 90 days than charge me for an extended protection. Another article said that it would protect me for one year with out charge. The same article also said that I should contact the other two reporting Credit agencies to see if their any problems with my credit and to protected my credit from hackers The only drawback is that other agencies would charge me. I feel I should not be charge for this service and that Equifax should pay since that were hacked. There are other items in these articles that make it difficult to proceed and protect the consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
I am a victim of the Equifax data hack of XX/XX/XXXX. I first became aware of the problem in early XX/XX/XXXX via news reports. Equifax never bothered to contact me directly. I have placed a freeze on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

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 2017-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Can not get through to Equifax over the phone. They offer no other options to reach them. Unusual and maddening. They seem to be using this crisis to try to sell products. I accidentally signed up for their free 30 day trial and there is no warning there that if you have been affected by the data breach you have a year of free monitoring. No chat, no email, no opportunity to leave a voicemail and get a call back, When I did just get through to their number 5 minutes ago, they said it would be a half hour wait and then very loud and annoying hold music came on. These people seem to feel they do not need to be accountable. I will try to go in and cancel the 30 day trial online in a few minutes. And executives should be duly prosecuted for insider trading. Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. 

My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. 

I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Received notice from Equifax account had been compromised. went to site 2x, filled out form. received tag saying link would show up w/in two days. Nothing. phone number on site was dead. dug around, on XX/XX/XXXX called XXXX '' XXXX '' answered. got same line of " please be patient. '' when pressed he ADMITTED Equifax did n't know IF it would-or when-be ABLE to provide the services promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After the XXXX security breach, I have been attempting to place a security freeze with TransUnion ( I already froze with XXXX and XXXX ). I have used XXXX, ( XXXX ) XXXX, and freeze.transunion.com. 

Every attempt I have made ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ ~ XXXX, and now XX/XX/XXXX @ XXXX ), they take my information, tell me they are unable to retrieve my information and I need to talk to a representative. Their system then 'transfers ' me to a fast-busy signal, which then hangs up on me. 

I also attempted to use freeze.transunion.com. It said there was something wrong with my account, and I needed to call ( XXXX ) XXXX. When I did and went through the prompts, it hung up on me. 

I have recordings of each of these interactions.

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 2017-09-18 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: CA

Complaint narrative:
The recent Equifax security breach has put myself and millions of others at risk. Their negligence has cost me time, security, money, and peace of mind. Not even freezing my credit is enough to protect me. This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

In addition, very little was done to notify the public for nearly a month after the breach. No email, letter, or phone call was sent out and instead I found out about it via social media. Equifax handled reporting this breach very unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, X/XX/17, I tried to get a security freeze with Transunion due to the recent security breach at XXXX. Instead of getting a security freeze I received an email saying I had subscribed to XXXX per month credit monitoring. Deceptive marketing. I went online to cancel and I received notice that I would still be charged for one month. I tried to call, waited on hold for 20 minutes, then was disconnected. I tried to call again, waited for 30 minutes and gave up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Collection Services, Inc. (Nevada)
State: LA

Complaint narrative:
I do n't remember the exact day that this company intially contacted me but it was in XX/XX/XXXX. A male contacted me and it sounded like he was trying disguise his voice. He stated that I had received money from XXXX XXXX back in XX/XX/XXXX and I could go to jail for stealing money. As explained to him that I never heard of this company and that would contact the proper authorities. So I then tried contacting the number listed for the company XXXX only to get an voicemail. So I was never contacted again. I went to check my credit report and it Now been on my credit report fir 4 months in the amount of {$380.00}. I checked the reviews on the company on today and it looks like I am not the first person and if they are not stopped I will not be the last! I have not received any money from this company please help!

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. Thank you.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a credit card with Chase Bank a few years back and it was a credit limit of {$20000.00} and I had a balance of {$19000.00} and change I paid it on time every month until it was paid off. I have called them several times regarding this is not showing up on my credit report at all. It should be listed on all three major credit bureaus as a positive remark. They have not tried to help me regarding this when I called last time they told me they will go ahead and put it through to all three major credit bureaus but they still have n't done so this should be something to impact my credit report because of the balance I paid off!!!! Please have them immediately update this to all three major credit bureaus. 
My ss # XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TX

Complaint narrative:
I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

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 2017-09-18 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: TX

Complaint narrative:
I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I requested two checks from within my XXXX account associated with email XXXXXXXXXXXX. The request was made on the XX/XX/XXXX and it is now the XX/XX/XXXX and I have yet to receive them. There transaction IDs are XXXX and XXXX. PayPal has shown a message for each transaction ID as invalid which shocks me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
Today XXXX/XXXX/XXXX I received in the mail a notice that I owed on a debt ( pass due account ) that I have never been involved in or been the primary beneficiary of loan. 
I have never received any correspondence and /or notification in reference to this debt ever! 
Approximately 4 to 5 years ago my oldest son XXXX XXXX got a loan for a PU from a dealership and I was requested by dealership to be a reference to his loan. I specifically told them that I would not co-sign a loan as I was going through a divorce and was working on my own financial needs ... The paperwork was filled out at the dealership by the car salesmen ( not at the bank and not before a bank loan officer ) and I was told to sign just for a reference. 
Several months later my son lost his job and was unable to make his loan payment ... He made some type of arrangement with the dealership/bank to turn the PU back in to settle the loan ... ( That 's what he told me what happened and until today I have not heard/ received any correspondence/notification of any type from the bank/dealership or anyone else involved with this transaction. 
Now I 'm told by Credit Management of XXXX XXXX when I called them today. That I 'm the primary person on the loan and that I initially owed them {$4200.00} and with additional interest of {$4300.00} and need to pay immediately a total of {$8600.00} Or they will have judgment against me. 
Credit Management said they did n't know anything about any notifications from bank ( original creditor ) as the just bought this past due account in XXXX. 
I did n't even know there was a problem with XXXX XXXX XXXX and XXXX until I received the notification today. 
I feel XXXX XXXXl and Credit Management are after me due to I have a stable financial situation and I have more assets then my son. Where my son is still in the process of working on his credit score and financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: MI

Complaint narrative:
Equifax data Breach. My data was part of the breach.

Company response to consumer: Closed with explanation