vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: FL

Complaint narrative:
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 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: FL

Complaint narrative:
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours.

Sincerely 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 2018-03-05 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: FL

Complaint narrative:
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gatestone & Co. International Inc.
State: PA

Complaint narrative:
My XXXX XXXX account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that XXXX XXXX employeed because I had not responded to the request from the previous agency all because they had the wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My American Express account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that American Express employeed because I had not responded to the request from the previous agency all because they had the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
This is for an XXXX I did that was supposed to be covered by my insurance but the employee didn't take my information down correctly. Now I'm left with a huge bill that should of been covered by my insurance. I've already paid off the true amount I owe but they still won't take me off their computers as paid.

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 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX- I submitted my second modification request. The first was denied because Chase said they didn't receive papers which I sent to them. I verified this with them. 
XX/XX/XXXX- I spoke with CHASE Representative XXXX XXXX and discussed what additional information was needed to submit the modification packet. 
XX/XX/XXXX- I am contacted via mail solicitation by several Attorney 's offering to represent me because CHASE filed a foreclosure on my property. 
XX/XX/XXXX- I write a letter which I faxed and sent certified USPS requesting they stop the foreclosure because I am in a modification And I inform them I am willing to work with them to sell my house if I am not given the opportunity to modify my loan. 
XX/XX/XXXX- I speak to XXXX XXXX , at CHASE, she assures me there was a mistake and I am not in foreclosure and can move forward with the modification. 
XX/XX/XXXX- I speak with XXXX XXXX XXXX , CHASE Executive Office, she informs me she can not discuss the loan because there is no authorization form. I have been talking with CHASE since the inception of the loan and an authorization from my ex husband has been on file since XX/XX/XXXX!  I was a signer on the original loan, but when we did the first modification, which we successfully completed, the CHASE Representative told me it would expedite the modification if it was I'm my Ex husband 's name. At that time I owned 75 % of the house. Since the divorce in XX/XX/XXXX, I am 100 % owner and the deed was recorded solely in my name. Now she won't speak to me? I have explained my situation to chase in my hardship affidavit and speaking with the Representatives on numerous occasions. She did not bother to check the records. 
XX/XX/XXXX- I received a notice of default and election to sell and a Declaration of Compliance from Quality Loan Service , Corp. stating they contacted me to discuss foreclosure options. This is not true and they are violating Cal. Civil code Section 2923.5. They did this while I was in a modification process which is also illegal. 
The loan amount they quoted is also incorrect. 
They claim in the paperwork I owe {>= $1,000,000}. This was the original loan amount before I completed the first modification. The amount I now owe is approximately {$750000.00} These are gross errors on their part and they are unethical unfair business practices. 
Clearly, they are telling me one thing and doing another in an attempt to take my house which I have struggled to keep for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Account Details Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3500.00} High Balance {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NE

Complaint narrative:
I have sent a letter reaching out to Phoenix Financial Services, LLC about account number on my credit report account number :XXXX asking them to please send me proof of the debt they are asking me to pay.I have asked for validation and proof of original contract that is certified by a notary that it is the original contract with my signature on it .this company did not have my consent to furnish my information to the credit bureau. they did not send me any validation of the debt and I gave them more than 30 days and they have not replayed to me. I have proof of the letter I sent to them asking to please validate the information and also to get the original copy of contract with my signature on it like the law says they have to do. I have also ask them to delete and remove all information that they furnish to all credit bureaus but they didnt and they continued to by updating to the credit bureau under the remarks section that they meet the FCRA. also I have never made a contract with this company and they are claiming that I owe them something. I have not entered into any buiness agreement with them. and just to be clear I did not authorization them to furnish any of my information to anyone. I have also sent them the law that states that they need my authrazation to furnish my information. I have attached the letter I sent to them certified and returned signature. they have also failed to send me validation and its past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I have reported on my consumers report two unknown evictions

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 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Last XX/XX/XXXX ( I think ) my I signed up for a Experian 30-day free trial and  about 2-3 weeks later canceled the same having arrived at the conclusion that I will not benefit from its continuation. 

Last month after receiving an email ( see attached ) from Experian informing me of " switching to a premium membership '' which I never did, my husband checked our bank statement and saw that Experian charged us {$19.00} last XX/XX/XXXX and again on  XX/XX/XXXX. 

As this membership had been canceled on the same month I signed in, we were naturally appalled that they would do this so he attempted to contact them by phone but in each instance heard a recorded message that it will take 2 hours ; 2 HOURS to be able to speak to a customer service rep. 

Suspecting that Experian did not want anyone to contact them he wrote a letter addressed to its president XXXX XXXX at their XXXX XXXX CA. address but the letter was subsequently returned with an RTS handwritten on the envelope. 

Clearly, Experian is attempting to avoid any contact with us to explain why they have charged us without our consent. 

Please help us. 
Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CT. 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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2017 Chase Bank closed my check acct. I had direct deposit from VA n Social Security. Chase failed to give me a 30 day advance notice n no reason as why.Chase had authorized payment to XXXX XXXX at that time I had XXXXDS to the good .Payment was XXXX n Chase collected overdraft fee n failed to notify me to so. As of closing my account Chase had collected over XXXXDS. On the XX/XX/2017 Chase receivedy SS payment of XXXXDSl n paid themselves XXXXDS. I came behind Chase n withdrew XXXXDS at XXXX from ATM later that day Chase closed my account n showing a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After paying closer attention to my account, I have noticed Overdraft fees in this year alone, over {$200.00}. These fees are {$34.00} and sometimes added to an NSF fee. The NSF fee I am aware of what causes me to incur and so if I am able to, I know how to avoid them. However, the Overdraft Fee was never explained to me. I was originally a XXXX customer, which was bought by Citi, so that could be why- but I know that the Overdraft fee was never explained to me. When looking at my account, there have been instances when I was not negative at the end of the day, but still incurred the fee. When I have called to question it, I have been given different explanations. After receiving 3 back to back, I called again about 2 weeks ago and spoke with XXXX in Retail Banking. When I asked him why I was never explained about the Overdraft fees, he said the bank would not explain t to a new customer- only if the customer asks about it. In the past I have had a few NSF or OD fees reversed as courtesy or because the bank ATM wasn't working etc. However, I am upset that the OD fees have never been clearly explained.

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I wanted to start that I have been mostly satisfied with the XXXX XXXX XXXX XXXX XXXX 's responses and resolutions in previous issues. However, the law requires me to file this dispute through the credit bureaus to preserve all my rights. 
I have a credit card with XXXX XXXX XXXX XXXX XXXX ( XXXX ). There were approx. {$750.00} in unauthorized transactions including unauthorized payments from an unknown account. Which also placed this account over the credit limit. As a result my minimum monthly payment increased from approx. {$70.00} to over {$1300.00} ( see  attached ). 

I reported the unauthorized transactions and XXXX timely provided a temporary adjustment. However due to a glitch the minimum monthly payment never adjusted on the online account summary page, but once I clicked the link to make a payment the accurate monthly payment amount displayed as $ XXXX/ {$70.00}. However, when I did attempt to make the monthly payments I would receive an error message. XXXX conceded on the error message being due to the current account status and provided a work around. 

As a result, this account is inaccurately reporting 30-days late for XXXX/XXXX 2018 could you please correct this error?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/2016 {$570.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2016 ( 1 yr, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: GA

Complaint narrative:
At the time of this amount was being owed. It was the responsibility of another person the bill was just in my name. The reason they did not pay was because they moved out of the place they were in. I did not know that this debt was on my account and I tried multiple times to dispute it. 

The amount owed is XXXX . And it has been on my account since 2014.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from GC Services Limited Partnership in regards to the debt I owe to XXXX University. On XX/XX/XXXX I processed a payment through the given website on the letter. My bank account is showing that the payment has been processed and cleared yet their website is showing the debt is still owed and I continue to receive calls from GC Services Limited Partnership. These calls have been received the following dates : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I've explained this issue to the gentleman calling and he states that the charge does not show up in their system. I've also attempted to contact their company through email but the email address listed on their website appears to be incorrect as the emails continue to show that they can not be delivered. The customer service rep I speak to with GC Services suggests that I submit my payment again. I should not have to do this as the payment is showing as processed. I am concerned that this is fraudulent practice.By the company not showing that my debt has been paid, XXXX University is withholding my XXXX XXXX XXXX certification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 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: DISCOVER BANK
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Discover Bank ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Discover Bank is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 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: IL

Complaint narrative:
I submitted a dispute with Experian on XX/XX/2018 for my accounts to be properly verified and once verified. However, they have still not identified who their company verified the accuracy of these accounts, or how they verified them? Nor have they provided the physical proof of such verification. Under the FCRA section 616 and 617 it's Experian responsibility to authenticate the documents their files that were used to verify the disputed accounts.

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