vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( Equifax, XXXX, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4  times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, Experian keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that Experian obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit 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 2018-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Dear Chex Systems, After reviewing my records with Chex Systems ; I noticed that two checking accounts that were opened fraudulently are still being reported as having belonged to me. The account were from XXXX XXXX XXXX and XXXX Bank. I believe these accounts either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of these two accounts and that you purge all my information from being linked to the closed checking/savings account from your system. Failure to do so will result in legal action taken against your company in small claims court. I have never had a checking account with XXXX XXXX XXXX nor XXXX XXXX. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. Please also provide me my Chex Systems score. 

Very Respectfully, 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 2018-05-21 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: OH

Complaint narrative:
Experian continues to report an address on my report that I have never lived at. I've disputed this multiple times and they will not remove. The address is not registered with the US postal service nor is it valid and I've never had a lease at this address.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am a new employee of a non-profit and was issued a card through Comdata for my initial paycheck, as the direct deposit process had not been completed by my employer by the end of my first pay period. On Friday, XX/XX/2018, I attempted to withdraw the sum of {$500.00} from the ATM at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT using the Comdata card provided to me. Though the ATM printed a receipt for {$500.00}, the funds were never dispensed, and the ATM displayed an error on the screen. Upon speaking to the manager at the XXXX XXXX   branch, I was advised that I needed to contact Comdata to work it out with them. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a complaint would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018, after not hearing from anyone, I called Comdata again to check on the status of my complaint. I was told that nothing would be resolved for 21 business days, as an investigation needed to be launched. I waited 21 business days and on XX/XX/2018, I contacted Comdata again. I was provided a case number ( # XXXX ) and was told that I had to write to them to get any additional information, which I did. Though I can appreciate that investigations take time, these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this matter. I need some assistance to get my payroll funds back to me immediately. Comdata is located at XXXX XXXX XXXX, XXXX, TN 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 monetary relief
Consumer complaint received 2018-05-21 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: NRA Group, LLC
State: DE

Complaint narrative:
Account XXXX NATIONAL RECOVERY AGENCY XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, XXXX keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that XXXX obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, XXXX XXXX. I am the owner of a XXXX XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX. The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over XXXX XXXX, XXXX XXXX XXXX was one of the companies in XXXX XXXX that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. 

Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( Trans Union, XXXX and XXXX ). 

On Monday, XX/XX/XXXX, I received a message from Trans Union indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone 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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex offered a XXXX dollar credit if buying XXXX XXXX XXXX, which i did buy. I never got my credit so I inquired with AMEX via online chat. 3 reps have told me that I was wrong and that the discount was applied upon purchase which was incorrect, nothing was mentioned of a discount and I never received one up on purchase or a credit to the account ( which is how they always have worked before ) I had to inquire with 3 reps that all denied the claim. I was then mad about having spent so much time getting a promotion that should have applied automatically to which the customer care team didn't seem to care about. I asked for inconvenience credits since i spent over an hour disputing, taking away from my job. The reps said they can't issue any credit. to which I said " of course you can '' they tried to say they couldn't until they finally gave me 10. I just do not like AMEX customer care, they are ruthless and out to get you! This is horribly unethical and I did not appreciate the poor service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has reported to Experian two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but Experian refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/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 2018-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I went to try and purchase a new car. I agreed to allow credit inquiry by the dealership. During this whole process, the dealership allowed my credit to be checked 16 times on Experian, 6 times on XXXX and 4 times on XXXX. This has destroyed my credit since all creditors say I have too many inquiries. I would never allow someone to hit my credit report 16 TIMES!!! I want these removed. I have contacted the credit bureaus, and there is nothing they can do to assist, so they say.

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 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
After the equifax breach there were a lot of fake charges and I was able to get all but one expunged. This fake {$170.00} " IC Systems Collections # XXXX " original creditor XXXX XXXX '' is not valid as I have used XXXX for many years and haven't used " XXXX XXXX '' for about 8 or 9 years and when I had it they directly deducted their payment from my credit card with no issues. So this is FAKE FAKE FAKE and I can not get XXXX to understand this-there is no intelligent human life there to work with and I am up to hiring an attorney for {$5000.00} down just to fight to get my credit report to be accurate with XXXX. I pay ALL my bills including credit card 100 % each month, no balance EVER, and I just paid my second mortgage balance IN FULL so it isn'r about money, IT IS ABOUT HONOR AND HONESTY!!! 

Thank you for helping me.

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 2018-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I refinanced my mortgage with Deven Muehle in XXXX, XXXX. I had homeowner 's insurance added in with the mortgage payment. In XXXX, the insurance lapsed but I reinstated it with another insurance company in XXXX. 

Doven Muehle put hazard insurance coverage on the loan of {$75.00} monthly and have not removed it yet although I bought a new homeowner 's policy in XXXX and they were informed by my insurance agent at that time and I have written them twice in the last few months asking for a refund of the $ XXXX charged on the loan since XX/XX/XXXX. 

I have not heard anything from them about the insurance money that was due back to me since XXXX even though the insurance company and myself have both sent them copies of the current insurance coverage. 

Thank you in advance for getting my money back. Senseless to pay for two insurances on one loan!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TN

Complaint narrative:
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, Transunion, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.

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 2018-05-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, XXXX, Experian ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.

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 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXXmy credit union issued cashier 's checks to payoff loan numbers XXXX for {$1600.00}, XXXX  for {$3800.00} and XXXX   for {$2000.00}. On XX/XX/XXXX these paymemts still were not posted on Prosper 's end so thinking they were not received I placed a stop payment on them to reissue new cashier 's checks. OnXX/XX/XXXX they were finally posted but now no good.

On XX/XX/XXXX I sent the new cashier 's checks via certified mail requiring a signature. USPS tracking number XXXX  in which it was delivered and signed for at the front desk onXX/XX/XXXXat XXXX Needless to say these loans are now past due, have accrued fees and can very possibly hot my credit negatively. I received a call from Prosper at my place of employment with absolutely no attempt to contact me on my cell phone. I was told it can take two weeks to post my payment!!! Why are they holding my payments??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: C & M Associates Group, Inc.
State: CA

Complaint narrative:
The are trying to collect old very old debt from a family member i do not live with. I tell them to stop calling and they say I've never told them to stop calling And they become rude and abusive. The company is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I made several payments for XX/XX/XXXX. My XX/XX/XXXXpayment ( that technically wasn't even due ) was paid ahead of due date and I decided to make 2 more extra payments. 
Since I couldn't make comments for online payments ... I sent one of the payments by mail along with a note. I specifically asked them to apply the payment directly to the Principal and not charge any finance charges. They charged me anyway. 
When I called ... they tried to tell me its all 'spelled out in the loan ' and that 'the earlier I make payments the less finance charges I had to pay '. ( So how come 4 extra payments in a month all had finance charges? ) I explained to him about the extra payments along with my letter that I had sent..and he told me again that its 'all spelled out in the loan '. 

He basically couldn't explain to me why I was charged .... 

Also ... looking through past payments and charges ... their 'daily ' finance fees are all over the board and make no sense at all.

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 2018-05-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I correct name XXXX XXXX XXXX on Equifax fraud alert report. 
My correct name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief