vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 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: MO

Complaint narrative:
My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXX XXXX XXXX {$950.00}

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax several times about a hard inquiry appearing on my credit report dated XX/XX/2019. The inquiry shows it is from XXXX on printed report and as XXXX on XXXX XXXX. 

In my CFPB complaint # XXXX ( a copy attached to this complaint ), XXXX replied with the following : " We received an application on XX/XX/XXXX using information that verified to you. We accepted the application as fraud on XX/XX/XXXX after speaking with you. We were unable to locate any letter from you regarding this matter previously. We asked the credit reporting agencies to mask the credit inquiry from your credit report on XX/XX/XXXX and again on XX/XX/XXXX, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. This will not negatively affect your credit report, and it will not be visible to creditors. " XXXX has stated that they informed Equifax " to mask the credit inquiry '' but Equifax has failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE SEC XXXX XXXX XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX****, USXXXX XXXX****, DP OF EDUC 3412****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a balance on the account comprising of two parts - one is part of a promotion with no interest until the date XXXX/XXXX/2019, and one whose promotional rate expired on XX/XX//2019. Since then, I have communicated with the bank by means of their secure messaging system trying to ascertain exactly what amounts I needed to pay to avoid further interest. I have been given several different and conflicting answers and none have addressed my concerns. In XXXX, I paid {$160.00}, which as the bank explained, was " the part of the balance subject to an interest charge '' in full. This would have meant no further interest, yet they charged an additional amount of {$2.00} on the XXXX statement and they now said that " the amount subject to interest is now {$120.00} ''. I got tired of the runaround and messaged them again asking what amount exactly I needed to pay by the next date to avoid further interest. On XXXX/XXXX/2019 they replied " Since the {$50.00} is accruing interest until it is paid off, your next billing statement would still show the interest that accrued on that portion of your balance up until the date you paid it. It would be a small amount, but you would still see interest. '' I expressed my intention to pay off the entire interest carrying amount and messaged them again, I asked directly " This is the same thing you told me last month about the {$160.00}. I paid that off and now this nonsense continues. What amount EXACTLY do I have to pay NOW to stop intrest accruing until XXXX/XXXX/2019? ". The bank replied " Your balance at the 22.24 % variable APR totals {$50.00} and your 0.00 % Balance transfer, expiring on XXXX/XXXX/2019, is {$3000.00}. The balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. Keeping in mind how our payments are applied, I'd recommend you pay your minimum payment of {$63.00} plus the {$50.00} to help you avoid additional interest ''. I then paid as instructed a total of {$110.00}, and now on my new XXXX statement AGAIN I have interest and AGAIN I have a " balance subject to interest '' in the amount of {$34.00}. This bank is absolutely disorganized and haphazard and has no idea what they are doing, relying on some defective computer algorithms rather than common sense, and they have not been able to answer simple questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I have spoken to the company several times in regards to incorrect late payment information that has been reported, I have also sent in my report that they requested showing the incorrect information and nothing has been done, I would like late payments to be removed due to inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
My report indicate I owe XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX XXXX I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: MO

Complaint narrative:
My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) 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 2019-06-14 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: MO

Complaint narrative:
My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX  4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) 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 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
Columbia Debt recovery began garnished my wages without my knowledge on XX/XX/19. I was not served & not given a 30 day notice of this debt so I could dispute. I am now homeless and cant find a place to live because they are taking 25 % of my short term XXXX pay. I will file a civil suit against Columbia Debt Recovery and their business should be shut down due to predatory & illegal collection/judgment practices

Company response to consumer: Untimely response
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2018 I called to XXXX branch of Santander bank trying set up automatic payment withdrawal from my company 's business checking to pay for using my personal line of credit. Branch manager assured me that everything was set up. Later on in XXXX I received a call from Santader bank saying that payments for my personal line of credit are late for more than 30 days. I headed to XXXX branch of Santander bank to fix this problem. I made payments for XXXX and XXXX as well as for XXXX and XXXX. And again asked to set up automatic withdrawal from my business checking account .Due to inexperienced branch staff such a situation repeated again in XXXX and XXXX. 
I'm a XXXX  XXXX and I spend most of my time on road. That's why it's difficult for me to keep an eye on my mail and keep up with all notices that I'm getting. I relied on professionalism of branch team but they let me down. Branch manager tried to help me and called to head office to resolve this situation but Santander bank refused to delete these derogative marks from my credit history. I'm attaching a letter from XXXX branch of Santander bank to prove my word.

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 2019-06-14 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:
Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent landmark financial XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX   XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX   XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX   XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 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 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone hacked my account, got my information and forged my signature and deposited almost 20K worth of fraud checks into my account in a matter of 2 weeks and then used quick pay to send the money to themselves. I didn't authorize any of this. Chase failed to notify me of any of this. I had almost 1k  in my account and within the 2 weeks it was negative XXXX. I filed a police report and a claim with chase. Chase is saying i authorized these transfers and are telling me i have to pay the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: GA

Complaint narrative:
Our XXXX year old son hit a car in a neighborhood on XX/XX/XXXX. The woman whose car we hit went through her insurance and a collection agency for the damages, which we took responsibility for. In XXXX of XXXX, my husband received a call from XXXX  XXXX of Stuart Lippman and Associates requesting the amount of {$5800.00} to cover damages. At this time we had no bill to go over charged with him. He informed my husband that something came in the mail ( it had not ) and he would also email it ( also did not ). He demanded a down payment of nearly XXXX upfront and XXXX a month, which we responded was not possible. We ceased communication at that point as we attempted to go through home owners, which denied us XX/XX/XXXX4. Again, we have received 3 communications from Mr. XXXX. 1 on XX/XX/XXXX when he gave the figure XXXX to my husband who wrote it in his book. 2 When I spoke with Mr. XXXX on XX/XX/XXXX regarding an invoice he sent at XXXX with the amount owed as {$5800.00}. 3. On XX/XX/XXXX at XXXX an invoice for the amount {$5800.00}. During occasion 2, Mr XXXX and I were going over the invoice as he showed me what added up to the amount owed. About 20 minutes into the conversation Mr. XXXX stated XXXX had every right to demand XXXX from us. I stopped him there and asked was he mistaken with that figure. He stated no, that was the amount owed. I asked him where in the document I could find this and he told me to hold, coming back a moment later asking me where specifically I was looking and then to just go ahead and throw that one out. Mr. XXXX then continued to speak of payment of this larger figure, to which I said I would not continue or agree to anything without a correct bill. He intimidated me saying he had calls on hold and he needed to say his piece, which I didnt allow. We ended the conversation. At XXXX that same day I received an email with a note in the body stating please see correct documents requested. Satisfied that his response was quick and I could see a breakdown for the total of {$6400.00} only to find the same invoice that was previously sent for {$5800.00}. I have sent two emails since requesting the information I am owed before my first payment of {$1000.00} is due XX/XX/XXXX. We have received no response. I do not feel comfortable sending in payments for a claim I have received ever changing figures for. I should have had those invoices in hand before Mr. XXXX initially called my husband threatening to revoke his license. It is an extreme amount to pay with no assurances how much is due and if that amount will change again. It feels like that are pocketing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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:
Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a maturity date of loan XX/XX/2019. Boa want to pay me full amount of {$40000.00}. 
They dont want to make any payment plan, modification or refinance because i had a BK in past. 
My maturity date is past due 90 days a d now they want to foreclose my house on XXXX XXXX. 

I have XXXX kids i waana keep house and wan na make monthly payment and i can afford but not the total amount of XXXX at once.

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 2019-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a police report sent in along with my drivers license and social security card for fraudulent accounts on my file. The issues was resolved and the items were removed and o was sent another report, those items have reappeared and they have not been removed. When I call they say they dont see my drivers licenses and social for XX/XX/2019@ XXXX XXXX  is when it was received by equifax. I have the report they sent that was corrected and the most recent with the items back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
using XXXX is problamctic merchants use it and mislead i have complained to them many times. Here, a cleaner left out what they do not do and i did not know they did not clean inside appliances or would not have ordered it. I had to pay another cleaner for the same service. XXXX is a problem, Merchants use it in a deceptive way. i disputed XXXX in XX/XX/XXXX and will not pay it. its back on my barclays account i got no paperwork to respond to which is typical and i stand my ground on the dispute this is for my upromise acct both cards are out of my wallet until this is properly resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
The reason for the medical care was because an incident happened at work and I had to be seen. My office manager at the time told me that the clinic was responsible for all cost. Now its on my XXXX  Credit once and twice on my XXXX  report. Ive made several attempts to check on this. And I never got a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
The amount {$2500.00} Was taken on XX/XX/2015 The business in which was there before when a bank robbed and was supposed to drop the cost of debt but never did and are still trying to pursue the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX years old and have used credit all my life including now. I am still actively managing my internet business and operating a small beef operation and use credit all the time. I have a FICO score of XXXX and I have a mortgage and several credit balances that are all in good standing. Recently I applied for an insurance policy with XXXX XXXX XXXX. When they checked my credit background with Trans Union, they were told that I had insufficient credit history. As a result, XXXX XXXX notified me that I am paying a higher premium than I would otherwise be paying. Do I have to wait till I am XXXX with active credit in good standing before Trans Union will have adequate credit history?!? Trans Union will do nothing to help. All they will do is send me my credit report and credit score.

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