vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, 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 2019-06-21 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: HI

Complaint narrative:
I was not late on my accounts, I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: HI

Complaint narrative:
I was not late on my accounts, I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX 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 2019-06-21 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: HI

Complaint narrative:
I was not late on my accounts, I wonder why XXXX, Experian and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX 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 2019-06-21 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: TX

Complaint narrative:
BEING A VICTIM IS VERY STRESSFUL, AND THE FACT THAT EQUIFAX IS GIVING ME HARD TIME AND CAUSING ME MORE PROBLEMS, BY NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. FOR THE PAST 3 MONTHS I HAVE BEEN ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, EQUIFAX HAS RECEIVED MY IDENTITY THEFT REPORT 4 TIMES AND HAS DONE NOTHING. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted TransUnion and told them several times that I don't reside at XXXX XXXX XXXX XXXX MI XXXX. They delete it from my account ad then place it back on my account saying it was verified from a company. I got a list of people from them that they stated have used this address and all those people claim that have not and if they have it's been so long ago. My sister use to live there over 10 years ago and while I was in college I was on one of her credit cards I'm assuming I may of got promotional mail there but my sister or myself have never owned this home. This address should not be on my file. I would like to know how are they verifying this information with the company that's reporting it. Information is suppose to be accurate and XXXX XXXX XXXX XXXX MI XXXX is not an accurate address for any account of mine and has never been.

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 2019-06-21 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported my Account late to the Credit Bureaus but whenever I Logged into my Account is said, it didn't separate the account due from past due so I paid it on the due, but they reported my Account 30 Day 's Late to the Credit Bureau 's I have never ever paid this item late ever. 

2nd Problem is with XXXX XXXX XXXX reporting incorrectly to all 3 Credit Bureaus that I paid my account late in which they applied the {$500.00} to my other car loan and didn't apply it to the correct car by the time I noticed it, I sent an extra {$500.00} to the past amount but the only reason it was reported late to the Credit Bureaus was because they credited the {$500.00} to the wrong car payment I have 3x car loans with this company a simple mistake but it's affecting my credit score a lot. 

XXXX is reporting a closed credit card 30 Days late 2 year 's ago in which also I never paid late

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Opened : XX/XX/2019 ( 3 mos ) Account status : Open Type -- Responsibility : Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX {$1000.00} Reported balance. 


Theres two collections of the same amount. I went through XXXX to dispute the accounts but no change. Then I recieved a letter of medical fraud taken place on my information.

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County
State: TX

Complaint narrative:
XXXX XXXX XXXX never gave me the 6 months window before sending to the first collection agency. This took place in XX/XX/XXXXand they were reporting it in XX/XX/XXXX, who then took a medical bill and reported it to my credit bureau inside that 6 months as well. I have had this debt removed already because of this over steping their boundaries and not giving me enough time to submit to insurance and make sure all debt is mine. they keep selling it to new collection agencies who re-report debt to my credit bureaus. I have removed this debt at least once maybe twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: MI

Complaint narrative:
I disputed XXXX account on my credit report listed as charge off. I sent TransUnion a letter stating that I was involved in a settlement with XXXX and that had agreed to update my credit file to show paid instead of charge off. TransUnion stated they contacted XXXX and they denied they stated that. I submitted the letter from XXXX its under the credit reporting information section. I also would like to point out like I tried to tell TransUnion, you may have to contact the department on the letter that's handling the settlement.

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 2019-06-21 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: AZ

Complaint narrative:
Transunion is showing one of my credit card accounts as closed when it is in fact open and has been since 1979. I sent in a dispute via XXXX XXXX in XXXX of this year. In XXXX I received notification that I was indeed correct, the account is still open and that they would correct the information on my credit report. On XX/XX/XXXX, my account had not yet been corrected so I filed another dispute. I became inpatient after a couple of weeks and called Transunion. The result of that conversation was that they do show the account as open so the problem must lie with XXXX XXXX. My attempt to get XXXX XXXX to call me or provide me with a number to call them fell flat .... they do not provide that kind of customer service ... one must deal with them via email. In the mean time, I called my credit card company ( XXXX ) and spoke with someone there to check and make sure that they had not closed my account and " forgotten '' to tell me. Well, of course they had not, and the young man even checked my credit reports for me .... NOT via XXXX XXXX. Apparently all 3 credit bureaus show this credit card as closed! I am currently making plans to purchase a new home and am pretty anxious to have this corrected immediately, but keep running into brick walls. It is deplorable that these credit bureaus can have such power over us and we have no recourse. I hope you can help rectify this .... quickly.

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile age has 4 bills open up on the same month and day XX/XX/2018. I have tried to talk with them and telling them that is not mine I have filed a police report it was my sister she has all of my information and I have press charges on her so when I talked with the company they were very rude, so I filed small claim court paper to take them to court and someone called me from there company and told me that they would take care of this so I never went to court thinking everything was going to be okay, so now they have put 4 collection on my credit report there was only 2 before I was taking them to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continues to inaccurately display employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. After last dispute they sent out the same letter they have sent to me the last 3 times stating that my dispute was illegible and needs to be typed or the don't understand my dispute. That makes no sense. The dispute was typed and mailed in, so how can it be illegible. I have included a copy of dispute as well as the last 2 letters Transunion sent me. Make sure to look at dates they are the same letter with different dates. I also included a current pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how the verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested.

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 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/XXXX I turned in a used XXXX XXXX XXXX that was purchased at XXXX of XXXX XXXX due to the vehicle not being what I initially asked for. In order to get me out of that vehicle, they recommended that I lease a XXXX XXXX XXXX. However, with this transaction, a cancellation needed to be done on a warranty contract in regards to the XXXX XXXX XXXX XXXX. I was told that all I had to do was call the company XXXX XXXX, XXXX to cancel and that would be all. Unfortunately, after the paperwork was signed, the statement in regards to the warranty contract was untrue ; once, I spoke to XXXX XXXX, XXXX. They advised that XXXX needed to send them a cancellation check. I contacted XXXX of XXXX XXXX XXXX dept and spoke with XXXX who was the person who signed off on the XXXX lease. I was once again told that it wasn't a loan and there shouldn't be a problem for me to cancel. I ended up back and forward between XXXX and XXXX XXXX, XXXX in regards to the issue. I submitted a complaint here in XXXX in lieu of the harassment I was receiving from XXXX XXXX, XXXX and XXXX as of date hasn't fixed the issue. Complaint # : XXXX XXXX XXXX, XXXX after rebuttal emails and phone conversations telling them to contact XXXX whom also told them to contact him approximately 2 years ago, refuses to contact the dealership and has been harassing me since XXXX. XXXX needs to fix this issue. I've tried to solve this through XXXX when it first happened and once they had the sell, and I got stuck with a high monthly payment ; they seemingly didn't care to resolve this issue at all. XXXX XXXX, XXXX attempted to contact me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: MO

Complaint narrative:
A collection company is trying to collect a debt about a XXXX charge over 10 years and claim it was in 2016, I havent had XXXX service for over 10 years also another collection company tried collecting saying I owed {$110.00}, I switch from XXXX to XXXX when they were brought out by XXXX which the bill would have transferred, I also explained that the bill was always a month ahead and my bill was {$56.00}, and XXXX would turn your phone off after 30 days, so the phone was switched and the bill was already a month ahead. This is showing on XXXX tried talking/ phoning language barriers. I guess they call this ghost debt. Thank You, again check my report 9 years ago/ longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: GreenSky, LLC
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX, SINCE I HAVE BEEN A VICTIM OF N IDENTITY THEFT, BUT FOR SOME REASON XXXX   REFUSES TO HELP ME IN RESOLVING THIS ISSUE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. BANCORP
State: FL

Complaint narrative:
Us Bank Repoed my car XX/XX/XXXX told me I had until XX/XX/XXXX to Reclaim the car back on XX/XX/XXXX I went to the place they had my car Towed too the lady at the Window told me all she had was my Personal Belongings not the car come to find out on my Account with Us Bank they Sold my car on XX/XX/XXXX didn't tell me anything to this day I still don't know What Exactly Happened they Refuse to Accept that their the Blame for the Issue I have ask them to Delete this from my Credit Report and Stop Sending Derogatory Notes Stop Calling me because they were Wrong didn't even give me a Chance if anything they Owe me Some Money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
I work in XXXX in an environment with a language barrier, poor internet service, and inability to make international calls. I arranged for Western Union to have money available for me, but the bank would not give me the money ( {$2000.00} US ) because Western Union had blocked my account. They blocked my account when I tried to access it from a friend 's phone. I understand that they must prevent fraud, but blocking a customer from badly needed resources without the ability to get immediate customer support is dangerous and annoying. Western Union must have immediate, personal customer support in a variety of manner, not just via international phone number. 
In the attached email, you can see that I asked that they contact me. Instead, I received a form letter email several hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Im totally frustrated with my service with TD. They have constantly XXXX me over. I tried to activate a new card I received from them and told the card was invalid. I called customer service and they seem to be no help at all. I told her what was going on. So the bank sent me a card that wasnt working. I told her I had to get a temporary card due to fraud issues. 

I get to the train to purchase my fare and my card doesnt work. The incompetent agent deactivated my current card! I was stranded at the train station. Thank XXXX a person was able to purchase me fare to get to work this morning. Im tired of TD. You guys have taken so much money from me. Trust me I dont forget the XXXX  you guys taken from me putting my account in negative for 3 weeks. A dispute I know i did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This company contacted my parents cell phone. Their number wasnt listed on any of my accounts, I dont know what kind of methods they use to find numbers they not supposed to call. I already work with debt management company to resolve my debt situation, but these guys trying to collect the maximum interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
In XX/XX/2018 my divorce was final and I was ordered to close my accoount with Zions bank. It took me a few months to attempt to stop my direct deposits and I made my best attempt to cancel recurring debits and I closed my account with Zions bank. 

A small recurring charge came through from a service from XXXX and the account reopened without my knowledge and I wasn't able to access the website because of password issues even after several attempts trying to gain access to their website so i can keep track of any transactions. 

I was sent a letter indicating there where overdraft and over limit fees of mopre than {$200.00}. I called customer and they where only able to waive part of the balance and I had to go to a local branch to see if they would bne willing to adjust more of the balance. The branch manager reviewed the account and advised me that since the account was opened online I would need to contact the Online account department.

I would continue to get this run around and new fees were being added to the account. I believe that this practice Zions bank futher caused the balance to increase making the problem worse This is a scam to make more money in fees from consumers

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