vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed this issue with Equifax 3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with Equifax only. 
see attached document. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Re:XXXX Dear Sirs, My loan was approved for an FHA-HAMP modification on XX/XX/XXXX. I was scheduled to make my first trial payment on or about XX/XX/XXXX. That was made successfully for the full amount of {$1100.00} and cleared on XX/XX/XXXX with documentation to verify. I also verified that payment was received and applied properly by CMS per terms on XX/XX/XXXX by XXXX, Employee ID XXXX. 

The SERIOUS CONCERN I have is today ( XX/XX/XXXX ) that I was alerted CMS has reported inaccurately that " Forclosure Initiated '' in all of my credit reports. This is in violation of FHA Single Family Policy Handbook XXXX and The XXXX Fair Credit Reporting Act. 

Regards, XXXX XXXX Loan No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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:
Re : Experian Dear Experian, There are incorrect addresses in my credit file that am not associated with and are the results of crime ( s ) that were committed against me. I am a victim of identity-theft. Needless to say, you were sent copies of an FTC Identity Theft Report and sworn Identity-Theft Affidavit. Please deleted the following addresses from my file. These address are related to identity-theft criminal activity. My only and correct address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. Having these addresses listed make it difficult of creditors to properly identify who I am. You are also in violation of THE FAIR CREDIT REPORTING ACT for reporting inaccurate information. Failure to comply shall lead to legal actions for being in violation and defamation of character. Whereas, knowingly having my name associated with addresses of debts that resulted from crime ( s ) 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 2018-11-15 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: TX

Complaint narrative:
in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this 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 2018-11-15 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: TX

Complaint narrative:
in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-15 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: VA

Complaint narrative:
I have disputed inaccurate information on my credit reporting. Attached will be better information being CRAs wrote they didnt understand my complaints.

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 2018-11-15 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: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: SC

Complaint narrative:
I have disputed this issue with XXXX  3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with XXXX   only. 
see attached document. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I have recently ( XX/XX/2018 ) paid off a mortgage which closed 5 months ago (XX/XX/XXXX ). This mortgage has no prepayment penalty and I was able to pay off without it. And now I got notified by the broker ( XXXX XXXX ), that the lender ( Flagstar bank ) is charging the broker more than 10k of prepayment penalty and the broker wants me to pay the penality.

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 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX reported an credit inquiry from XX/XX/2016. That is false and should be removed from my credit reports.

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I won two e-rewards ( XXXX ) cards on XX/XX/XXXX. Each card was {$50.00}. On XXXX XXXX I spent {$48.00} on one card. Today ( XXXX XXXX ) I learned that my card, the one I did not use had fees ( {$12.00} ) because of lack of use. 

I learned the other card - The one I used in XX/XX/XXXX had a XXXX balance. 

After a long call with the customer service agent. I was told the fees can not be reversed. No where on the paperwork I have indicates a charge will occur due to lack of use. In fact the card has an expiration date of XX/XX/XXXX. I reviewed the website and under FAQ section it states " there are no fees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: VA

Complaint narrative:
I have disputed inaccurate information on my credit reporting. Attached will be better information being CRAs wrote they didnt understand my complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This company has very aggressive phones calls and after I submitted a letter to verify the debt they fail to do and this was clear on a previous complaints with the CFPB and now is a different company with the same tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX tried to pull a credit report & credit score & they were unable to obtain a credit score. I've spoken to someone at Equifax at least 4 times about not being able to retrieve my credit score and as of XX/XX/2018, nobody has been able to resolve the issue. I'm currently under contract to purchase a property and approval is pending upon review of my credit score. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN isn't Putting Accurate inofmation on my CREDIT REPORT, I send them a letter and they haven't answer back AS SOON AS POSSIBLE

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 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to XXXX XXXX XXXX, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted XXXX  XXXX which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit 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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im having trouble with my bank and the credit card that was issued to me. At first I managed it pretty well but when I went through hardship I had to use it more then Id liked too so my balance was high. But even before then since I could remember my APR is at 24. I never was late on my monthly until Last month because I felt like just giving up. Ive tried to plead for them to work with me but am declined every time. Also I have a checkings account where theyre killing me with fees. All together Ive paid at least XXXX in fees. Their app doesnt show transactions until days later and the balance is not accurate. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This issue is with Paypal. I've been letting them handle my finances for years now and I've NEVER had them hold on to funds that was sent to me for more than three days. I was sent a payment on XX/XX/XXXX of 2018 through a free service to send money to friends and family from a trusted company that is Paypal verified in the amount of {$3800.00} ( USD ) and Paypal said the payment was sent via a echeck which takes 3-5 business days to clear. I asked them for a credit until the funds was available and I was denied by a escalation supervisor by the name of XXXX XXXX ext. XXXX. It is now XX/XX/XXXX XXXX EST and my funds are still not available as promised. I called in XXXX times today alone and was assured my money would be available today. I am currently still on hold with Paypal for a fourth time and my wait time is now up to 2 hours and 30 minutes with no resolution. I was informed by the company that sent me the money that the {$3800.00} was taken out of their account over three-four days ago so that tells me that Paypal is holding my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report dispute request was submitted to TransUnion VIA XXXX XXXX on XX/XX/2018. 
Transunion file number : XXXX. 
I got an update from XXXX XXXX to inform me the dispute request is currently being processed by TransUnion. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither TransUnion or XXXX XXXX. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

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 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I saved money in as required by Citi Account Package, and I was promised to get {$400.00} Cash Bonus if I saved certain amount money for 3 month when I opened the account less than a year ago. I asked the staff recently, and they said I satisfied all the requirements. But now several weeks past, I saw nothing. I contacted them several times, but they said they are investigating this and had some TECHNICAL DIFFICULTIES.

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 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to chase Manhattan Bank, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted chae bank which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I XXXX XXXX never took a pay day loan it was about 3 to 5 years ago ... I never even had a checking account at the time at fifth third bank ... first of all my social security was in correct at it wasn't my bank account that they said it was ..I did not have bank account ..or even ..they called me saying they where bill collection that i own on a credit card ..they threat me ..I called the police which was XXXX Il police department ..They told not to worry about ..they told me if i had any more threats to give them a call ... they talk to my husband ... By the way I have an identity theft alert on my all three credit bureaus ... 
So i really dont know anything about this loan ..look up my name i never had an bank account at fifth third bank ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: PA

Complaint narrative:
My credit report dispute request was submitted to XXXX  VIA Credit Karma on XX/XX/2018. 
XXXX file number : XXXX. 
I got an update from Credit Karma to inform me the dispute request is currently being processed by XXXX. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither XXXX  or Credit Karma. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Army and Air Force Exchange Service
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank checking account ..I was hospitalized for 9 months ..i have police report and document of all 7 doctors and staff of my condition ... meanwhile someone decided to take my identity and use it ..his name is XXXX XXXX ..It opened up credit cards and took trips shopped used all my money while i was hospitalized ..when i got better i start to open my mail i notice that i was missing XXXX and a abundance of credit card in my name ..I disputed them with Citibank XXXX.I got 1/3 of the money i got back but all the credit cards that where opened in my name and paid from my account where not reimbursed to me ..I get calls every day I have so many debt collectors and had XXXX inquiry on credit report .citibank closed that account and opened a new account for me ..but while the investigation was still going they sent me a letter saying that they have decide to stop our banking relationship with me so they went and closed even my new account ..as of today they still our investigating but didn't want to do business with any longer so now i have no bank account ..i was the victim but they screwed me like XXXX ..I still recovering from my illness ..what a kick in XXXX Citibank is ..also their was a XXXX paymet made to a credit card that they cant find where it went 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