vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: VA

Complaint narrative:
Experian is still insisting I have a " Personal Finance Account '' with the exact same account number and company as my mortgage. In their response to my recent CFPB Dispute, they claimed to have " contacted the Data Furnisher and verified the Account ''. THIS WOULD BE IMPOSSIBLE SINCE XXXX WENT OUT OF BUSINESS IN XX/XX/2019 AND CAN NOT BE REACHED. As well, I could not have an active account with them since THEY NO LONGER EXIST! I would like Experian to explain how they " contacted '' a company with no working phone number, email address or physical address!!! Did they use telepathy? Smoke signals? What is the name of the person they spoke with, what day did they contact this person and where is the proof of my having two accounts with the same account number with XXXX when they no longer exist. 
According to the Fair Credit Reporting Act ( FCRA ), a credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. THEY THEY OBVIOUSLY DID NOT CHECK THE ACCURACY OF THIS NON-EXISTENT ACCOUNT SINCE THEY STILL BELIEVE IT EXISTS WITH A NON-EXISTENT COMPANY. They need to provide details as to how they " verified this account '' since there is no data furnisher they could have verified this with. XXXX DOES NOT EXIST SO IT'S IMPOSSIBLE TO VERIFY ANYTHING OR FOR ANYONE TO HAVE AN ACTIVE ACCOUNT WITH THEM!

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 2019-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the month of XX/XX/2019 I called Check n Go and requested that they stop withdrawing money from my account. There has been more than one occasion that money was attempted to be withdrawn from my account on the wrong date, which caused my account to overdraft. I accumulated late fees and I requested all future payments to stop. On XX/XX/XXXX my account was charged XXXX. My account was not supposed to be charged since I requested that all future automatic payments stop. It appears that my account does not reflect all the payments that have been made.I called the company on XX/XX/XXXX in regards to their fraudulent activity. They agreed that I requested stop payments in XX/XX/XXXX but couldnt justify why they are making unauthorized charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JMD,LLC
State: CA

Complaint narrative:
I recieved an XXXX related injury on XX/XX/XXXX resulting in medical attention and gave the hospital my insurance information which I covered under emergency services. My medical provider is XXXX XXXX XXXX XXXX subscriber id # XXXX since XX/XX/XXXX. I recieved a bill on XX/XX/XXXX in the amount of {$1600.00}. I immediately called the hospital and again provided my insurance information. I thought everything was taken care of until I recieved a collections notice almost 1 year later on XX/XX/XXXX from high desert creditors service in the amount of {$1600.00}. I then again immediately called the hospital again, spoke with XXXX XXXX the supervisor of billing. She then had me on a 3 way call with my service provider ( XXXX XXXX XXXX XXXX ) to provide proof of insurance. I again thought everything was good until XX/XX/XXXX with the collection landed on my credit reports. Me being frustrated and angry reached out to XXXX XXXX of XXXX XXXX XXXX ( billing supervisor ) monday XX/XX/XXXX got her voicemail and kindly told her to call me immediately. The same day I reached out to my health insurance provider XXXX   XXXX they told me they did not receive any claim whatsoever from the hospital. They were even able to get ahold of XXXX XXXX that same day XX/XX/XXXX who then told my insurance she would be sending the claim that same day. On XX/XX/XXXX XXXX XXXX of billing finally returned my phone call. As I proceeded to tell her my story she had the decency to hang up on me, no call back, nothing. I called back immediately and left her another voice mail. It is now XX/XX/XXXX and have yet to hear back from XXXX XXXX and my insurance provider has yet to receive a claim. I'm just so frustrated with this situation and hope you could provide some help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: CORELOGIC INC
State: NY

Complaint narrative:
Between the dates of XX/XX/XXXX - XXXX, XXXX three unknown inquiries were made on my XXXX credit report. These inquiries included XXXX XXXX XXXX, Corelogic Credco, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to XXXX to have the inquiries removed. Several calls were made to XXXX who explained that the companies must provide notice of no accounts. Calls were made to the companies. One of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending XXXX to remove the reporting. One company Corelogic has failed to respond to attempts for assistance. XXXX explained that XXXX   must initiate this fraud inquiry. XXXX  says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with XXXX online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that XXXX actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to XXXX in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These three false and inaccurate inquiries remain on my credit report going on 2 years and no one seems able to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I used TD bank years ago. There were charges that didnt belong to me and poor customer service. It made my account in the rears as I am on XXXX. The total of my account was much less than they claim. I also am not familiar with any of the transactions on the following pages. I would like them all removed from my report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
I went into the emergency room for an emergency XXXX I had. I was never seen, they told me that I couldnt be seen because I had no insurance then he told me to sign some papers and I was laid out to door!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Earlier this year I filled a complaint because I am unable to open a bank account due to an unfortunate situation that happened in 2017, XXXX sent me a letter back saying that I will be able to open an account with them once I pay what was owed to them which I did this past XXXX in the amount of {$300.00}, my bank account was reopened and the fallowing week it was closed because XXXX said I was reported to XXXX XXXX XXXX by Bank Of America I called BOA and they said for me to write a letter explaining what happened so that they can remove me from all consumer Reports and update my information to XXXX  XXXX  and XXXX   so that I can open a bank account, I have continuously called BOA, XXXX and XXXX XXXX and unfortunately continue to get the run around, I just will like to restore my banking privileges so that I can have a bank account or a credit Union Account, I have provided all the information that I could and tomorrow I will try and fax a new dispute to XXXX, please assist me if you can.

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) has placed a collection account on all 3 credit reports resulting in a HARD IMPACT to my credit score. PRA placed a collection account with XXXX XXXX and XXXX for {$1100.00} in XX/XX/XXXX. PRA has never provided a letter advising me of the debt or how to paid the debt within 30days before placing on my credit report. Thats a violation! I disputed this with The credit bureaus and PRA advising that I did not owe XXXX  XXXX XXXX   and asked them to verify the debt. They all responded as VERFIED AS ACCURATE AND REMAINS TO THE DAY ON MY CREDIT REPORT WHICH HAS CAUSE MY OTHER CREDIT CARDS TO BE CLOSED AND CREDIT LIMITS DECREASED. PRA & the XXXX XXXX and XXXX have violated the FDCPA, FCRA, FCBA and currently PRA IS UNDER A 5 YR SANCTION FOR FDCPA VIOLATIONS AS UNTIL XX/XX/XXXX in OHIO state. This means PRA has not changed its behaviors and continue to defraud consumers such as myself causing stress, anxiety, depression and extreme XXXX due to fighting months about a debt that WAS NOT VERIFIED, DOES NOT BELONG TO PRA BECAUSE I PAID XXXX  XXXX DIRECTLY. I currently have a open active XXXX XXXX card. They have violated my consumer rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
After numerous attempts to get verification about these fraudulent accounts from the three credit bureaus XXXX, XXXX, and XXXX I have never received any response back as yet. These accounts do not belong to me as follows : 1.Medical data systems acct # XXXX 2XXXX XXXX  service acct # XXXX 3.XXXX XXXX XXXX acctXXXX*** 4.XXXX XXXX XXXX acct XXXX XXXXacct # XXXX 5. XXXX   XXXX/XXXX acct # XXXX 6. XXXX XXXX XXXX XXXX acct # 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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX/XXXX XXXX I decided to open up Southwest Airlines chase credit card since I was hearing so many good things. At the time of when I open the account there were two offers going on. I was initially signing up for the offer with XXXX bonus point for spending {$2000.00} in first 3 months and when I received my card and first statement I saw offer that applied to my account was {$200.00} statement credit with XXXX points. 

On XX/XX/XXXX I explained what happen and asked if I can get this fixed. They said they will review the account and send me a letter in next 7 days. After I received a letter stating that they can rebill my account for {$200.00} and add additional XXXX points to match the offer. 

After receiving the letter I called to let chase know of accepting the offer to rebuild my account and add the remaining balance. 

Months later I called for update for not seeing the balance points and I never got a response back. I called customer service multiple times and explained my situation and every time they stated I would get a letter in the mail. 

Today I called XX/XX/XXXX and my call was escalated to a customer service supervisor XXXX at XXXX. He stated there were letters sent I was not eligible and he will not help me. Its upsetting that he was not understanding my situation and was very rude and did not provide a good customer experience. 

I am reaching out for help. I kept explaining that the letter I received is different than what he keeps telling me. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I'm a XXXX  XXXX and I was asked to do a background check for a company I deliver to and in my background check shows I have 2 criminal records. It shows they were in XXXX XXXX, but i've never had a criminal record anywhere. I've always lived in XXXX and XXXX XXXX County. I'm trying to remove them from my background report but don't know what else to do. I need this to clear as soon as possible or I may loose my job because of this. I've been working for XXXX XXXX XXXX in XXXX, CA since 2010 and the new route I got is requesting me to this background, but I can not deliver to them because of the Criminal reports in the report. I have attached the Criminal Report I received from XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefield and Associates has attempted for Nearly two years to collect a debt on behalf of XXXX XXXX XXXX XXXX for an alleged Emergency Room visit. I have contacted both the hospital and XXXX requesting proof ( my signature, a copy of the ID used at the ER, etc ) to verify I was at the hospital that night because in reality I was at work They have both refused to do so. I have submitted both companies my insurance information with the understanding that IF they were certain it was a valid debt, they should bill my insurance as I have had the same insurance for 7 years. Again, both companies have refused to do so. I called Wakefield and Associated to request they either bill my insurance or remove this from credit report, they have refused, told me it was not insurances problem, it was mine. They have reported a {$1300.00} bad debt on my credit report causing my credit score to drop considerably while refusing to provide me with any verification that the debt was valid or billing my insurance. I have Alabama State XXXX so any Er visit would have been covered but they are refusing to even try billing it. I have even mailed them a copy of my insurance card and my ID. This has been going on for over a year and has caused a drastic drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp
State: KY

Complaint narrative:
We contacted XXXX XXXX XXXX XXXX in mid XXXX to see about getting preapproved for a VA home loan. They came back said we were preapproved, so we went ahead and put in an offer on a home. We continued with XXXX XXXX XXXX XXXX. We turned in all paperwork they wanted and everything was approved. We had several closing dates but due to what they say was VA inspector report being submitted late it put our closing off. We kept in contact with them everyday, signing all disclsures. We got home owners insurance and a home warranty. We finally got a closing date of XX/XX/2019 at XXXX. They call and said they had to push the closing to XXXX cause their people didnt finish with paperwork yet. So we made sure it was going to happen and they scheduled the closing with title company. We went and got all the utilities put in our name, got a uhaul and began loading on XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX called and said there was a problem with the VA entitlement not being enough for the loan and that they will try to get it fixed but that we may have to change to USDA loan also at 100 % financing and would be approved but itbqould take another 2 to 3 weeks. Meanwhile they knew that our lease was up with our apartment on XX/XX/2019 and we either had to try to renew this late in stage or move and if we cant renew lease or get the house that we would be homeless. He said there was nothing he could do that his people messed up and didnt fully get everything done properly. So now we are out about {$500.00} for utilities and uhaul costs and we may not be able to stay at our apartment which then we will be homeless due to their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 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:
After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS XXXX, XXXX, TRANSUNION AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,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 2019-09-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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:
After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX  XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS EXPERIAN, XXXX, XXXX AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,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 2019-09-24 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: AL

Complaint narrative:
I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.

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