vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 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: CA

Complaint narrative:
I'm getting no help at all with this account that was part of my identity theft case. I'm so stressed out trying to fight the credit bureaus and i don't know what else i can do.

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Caine & XXXX continue to send an account with my name on it to collections affecting my credit score and the amount I owe keeps changing the most recent was {$660.00} and but just a couple months ago it's was {$230.00} which makes no sense and they have yet to contact me in any form at all and I believe this a very unprofessional way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CA

Complaint narrative:
I'm getting no help at all with this account that was part of my identity theft case. I'm so stressed out trying to fight the credit bureaus and i don't know what else i can do.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The default categories are not covering the problem. Experian will not remove my credit card information from database. They claim this was agreed to in a privacy disclaimer however I know it is illegal. Consumers have a right to remove credit card data if there is no reoccuring charge in effect. The attached snapshot of my Experian account shows my information that the company claims that I can not remove.

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 2020-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
First they contacted me as XXXX XXXX XXXX on XX/XX/2020. They stated that I owed a debt of {$4400.00} but that the outstanding debt they wished to collect right now was {$890.00}. They informed me that they were going to A. put a hold on my Social Security number, B. charge me for violation of Federal Banking regulations, collateral check fraud, and theft by deception C. contact my employer directly. 
I informed them that these actions were against the FDC section 805 and 806 and that I requested to no longer be contacted in ANYWAY  through a response to their email. They stated to respond to them but gave no phone number. When I called XXXX XXXX XXXX to find out what was going on, they told me they had no such account. 

I received 1 phone call after this from Check N ' Go. 

Then I received ANOTHER email from Credit Repair Groups on XX/XX/2020 with the same threats however the outstanding amount was {$1200.00} and the settlement amount would be {$890.00}. They also added that they will report me to the FDC and to my bank establishment. They stated that I must respond to them in 72 hours but gave no phone number to do so. I emailed again to inform them that I was not to be contacted and that I was going to report them. 

I received 2 more phone calls from Check N ' Go. 

On XX/XX/2020, I received ANOTHER email from XXXX XXXX XXXX. They gave me a case file number and stated that they will now be garnishing my wages. This time the amount was {$1300.00} outstanding and the settlement amount was {$930.00}. I was going to end up paying {$2400.00} because of the amount I owed and fees. They stated that they will now contact my employer to garnish my wages. I informed them that they did not provide any phone number to contact and settle nor did they provide the company in which I had this " contract '' with. I also informed them that the company they were supposedly trying to collect from had no record of my debt. 

They sent a new email informing me that the company trying to collect my debt was XXXX XXXX online or XXXX XXXX XXXX and that they were a parental payday advance company. They gave me a list of names of their affiliates, subsidiaries, and family companies. Check N ' Go was on that list. 

When I checked on the " court case '' number they provided, I found it was linked to multiple OTHER false court cases that didn't actually exist and were worded EXACTLY how my email was. So they're threatening me with a non-existent court case. 

This makes 4 threatening emails and a total of 3 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: MI

Complaint narrative:
XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX  shows the account is in collections. XXXX and Transunion are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please 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 2020-08-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. Equifax shows the account is in collections. XXXX and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX shows the account is in collections. Experian and XXXX are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please 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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Consistent breakdown in communication over the course of the past six weeks with TWO Bank of America mortgage lending officers. After two weeks of non-response from one lending officer ( XXXX XXXX NMLS # XXXX ), I was reassigned another mortgage lending officer to more attentively process a refinance application. Yet, alarmingly and once again, following a near two-week period of non-response from the second lending officer ( XXXX XXXX XXXX NMLS # XXXX ), I am withdrawing my application and will take my business to another, more responsive, lender.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2015, my bill for {$63.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. The account was closed and I now can not get a mortgage because of this mark on my credit. The company will not help me with this unfair situation.

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 2020-08-24 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: IA

Complaint narrative:
XXXX continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.

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 2020-08-24 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: IA

Complaint narrative:
XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EQUIFAX XXXX XXXX XXXX, GA XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90  days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EQUIFAX for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased an item with PayPal from an individual face to face, after the transaction the individual didnt want to wait 4 days for the amount to be available, so I paid the individual the {$750.00} cash and tried to cancel the transaction, paypal asked if it was unauthorized and instead of canceling it, and I clicked yes, tried to fix it for 4 days, the money is out of my account and no way to get it back, even the other individual has being helpful trying to fix something with them, PayPal resolution center just told me since I issued the payment, they cant back me up or help me at all, so Im out of {$750.00} ... that is what they think, I really dont know what to do next.I am XXXX XXXX  XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I called Chase today to close my account again since I asked them to close last XXXX. Instead of closing my account with only {$1.00} or something, they keep the acct open when it was not supposed to be open. I closed it last XXXX. Chase charged me twice for XXXX and XXXX when I have NOT used Chase online or account at all knowing I have no money there and asked them to send me the rest through address. They did not and keep it open. They charged me intentionally. 

Today, I asked Chase to close it again ... they refused to close because of the negative balance. Negative balance was not on my part but from their part, they did it intentionally to charge me when I have not used online or their website or my acct at all until today, so that was when I learned I have negative balance. 

The reason why I wanted to close with Chase is because they did not accept a credit card I wanted to have to improve my credit score.  Instead of helping me, they did not approve and did they really expect me to keep Chase who denied my application for Credit Card? No. So I asked them to close but they did not and refuse to close TODAY just cos of negative balance which was done intentionally. My bank with XXXX XXXX  XXXX XXXX does not charge me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WILL SUE ... 

I have file a dispute and TWO Complaints against experian. I'm sick of the XXXX excuses i'm getting from them.. I should not have to keep redoing this all because they cant get off theirs XXXX and do their job. THIS WILL BE THE FINAL TIME I DO THIS. I WILL TAKE YOU TO SMALL CLAIMS COURT SO YOU CAN NOT HIRE A LAWYER. I have enclose both complaints and the dispute letter. 
In both responses i received from experian was the exact same wording so i know they are not looking at my complaints. 

AGAIN I WILL SUE IF THIS IS NOT TAKING CARE OF ASAP ... ..

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 2020-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: MS

Complaint narrative:
the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.

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 2020-08-24 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: TX

Complaint narrative:
filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX  not mine

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 2020-08-24 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: TX

Complaint narrative:
filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX not mine

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 2020-08-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent letters to Experian and XXXX about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation