vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 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 disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error.

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 2018-10-25 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: Advantage Credit Counseling Service, Inc.
State: CO

Complaint narrative:
Since XXXX and until XXXX, I had been involved in a debt management plan with XXXX of XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX of XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX of XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX  for several credit cards. This program was completed successfully by me in XX/XX/XXXX.

My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays.

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time.

I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions.

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm.

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.

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 2018-10-25 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with Prestige Financial, XX/XX/XXXX,XX/XX/XXXXfrom XXXX XXXX. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX.

I have tried to contact XXXX XXXX XXXX  to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased.

XXXX XXXX runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
I contacted TransUnion on XX/XX/18 to speak with the representative to let them know that I was a Victim of their " inquiry issue. '' Their customer service representative would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX   XX/XX/2018

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 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased an airline ticket, I tried to cancel the ticket in advance before the trip. The airline at first refused, then said i could get a refund through their " refund process ''. After months, they denied my request through their refund process even though I was led to believe I would get a refund. I filed a dispute with my credit card issuer, but they refuse to find in my favor. No one ever used the ticket in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX from Capital One. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX. 
I have tried to contact XXXX XXXX XXXX to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased. 
Capital One runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: SC

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX Experian.n : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX   XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experie.n : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, Unknown XXXX : XXXX XXXX Unknown 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 non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
A collections agency named XXXX XXXX XXXX   has been harassing me. They have all of my information which is very upsetting and say they need to collect a debt owed to XXXX. The amount is {$100.00}. I closed out my XXXX phone account 2 years ago and paid everything in full. In XX/XX/XXXXthis collections for {$100.00} showed up on my credit. I went into the XXXX   store and XXXX  said they can not find anything about this and that it is even hard to find info on my account as it has been closed out 2 years ago. They said DO NOT talk to the collections agency and they don't know what this is about.

XXXX XXXX XXXX is fraudulent and will not stop calling my cell phone and harassing me at my place of work. I have already filed a dispute with the credit agency in regards to this fraudulent claim. I want this collection removed from my credit. I would also like this company investigated for fraud and harassment. They have been reported to the XXXX 1603 times for claims of harassment and bothering people in addition to multiple other complaints online.

Thank you in advance for your help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: SC

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my lifeXXXX XXXX XXXX XXXX XXXX   : XXXX XXXX  : XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX  : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX XXXX, Unknown 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 2018-10-25 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: SC

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX  XXXX  : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, Unknown Equifax : XXXX XXXX, Unknown Equifax : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My account came low and. Got overdraft. I made deposit .. but PNC charged me overfraft fees and NSF reverses fees.  Figuring everything up.. they charged me doubt the amount for it all. I was {$1400.00} negative and they charged me {$2200.00} .. ten they return few things and charged me twice for reverses fee ins twice for overdraft fee for one item.. it makes more sense to cover the check and left me pay one fee which is the overdraft fee..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Complaint : NOT OBTAINING THE DISCHARGE PAYOFF LETTER OF MORTAGE FROM BANK ( Citizen Bank ) Ref XXXX I am writing to complain against Citizens Bank for the lack of action to furnish the " discharge of mortgage letter issued by the Deeds Registry at XXXX County in New Jersey. 
In earlier XXXX I sent the last payment of the mortgage in the mail with an additional fee to process the discharge of the mortgage. I was told to wait a month to receive that letter in the mail and as of today I have receive nothing in the mail. I called two times to the Loan Pay Off inquiring about the status of the letter but I was asked to keep waiting and I was assigned a reference number ( as showing above ). On XX/XX/XXXX, I sent a certified letter to the Loan Pay Off Department and a copy to the CEO and President of the Bank Mr XXXX XXXX to demand the letter. Just a week ago somebody contacted me from the corporate office Mr. XXXX XXXX, he left a voicemail at home and since then he did not return my calls. I do not need to speak with anybody else just I am demanding Citizens Bank to  produce the discharge letter of my mortgage at once. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I contacted American Express at XXXX at approximately XXXX ET on XX/XX/XXXX in an attempt resolve an issue with credit reporting on my card. When I finally got through I explained my situation to the representative on the phone, the rep then transferred my over to another department who was offshore in XXXX. When speaking to the rep I explained my situation but he offered no formal process of even reviewing my request. He would not even hear it, I was expecting an American company in accordance with U.S laws and the FCRA to offer me a process to review and ultimately resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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:
On XX/XX/2018 I received updated report from Transunion my credit file has been shared with other person file this is the 3rd time this year that this mistake has happend not only my credit file has been shared with someone else also there is a collection place on my credit file that is not mine my credit score was XXXX on Transunion the coolection dropped my credit score by 33 points im in a middle of getting a busniss loan this mistake by Transunion it's distroying my chance to get the loan i payed all my credit cards to have a low utilization i made sure that my credit looks good to qualify Im verry dissapointef how  Transunion keep making the same mistake im attaching a copy of the report dated XX/XX/2018and also one dated XX/XX/2018 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 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: WA

Complaint narrative:
Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. SinceXX/XX/XXXX. 
XXXX has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB

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