vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 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: AK

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-18 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: AK

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-18 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: AK

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a credit reporting agency complaint against Experian, # XXXX. I have tried several times to complete an online dispute and to update my 100-word personal statement. I am entitled to submit my personal statement, and have it provided to all who may request my credit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX XXXX XXXX cards were used without authority. XXXX XXXX XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX XXXX XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX XXXX XXXX, as adverse information furnisher. XXXX XXXX XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5 items of adverse information. '' Item 2 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is not being reported. Experian is providing this account information to some associates and not to other. This account should be verified and placed on my report. Item 4 : XXXX XXXX XXXX XXXX, is being misreported. The balance is over-reported by {$1600.00}.

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 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
Credit World had placed a account on my XXXX report and according to Credit World has made five attempts at getting this account removed as it has been discharged in bankruptcy. Credit World it is negligence on XXXX XXXX part that it has not been removed efforts according to Creit World began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: NJ

Complaint narrative:
Applied for American Express Card XXXX XXXX card in XX/XX/2018 ( believe it was XX/XX/XXXX ). 

I called Amex ahead of applying for the card since this looked to be a new XXXX product. 
I was advised by an American Express Representative named XXXX that this card was a new product and she reassured me that I was eligible for this promotion. 

American Express failed to honor the promotion after making the minimum spend within the first three months. I made {$3000.00} in charges within the 90 day period as per the offer. 

Upon contacting XXXX I was advised the promotion was never added to my card and they were not going to honor providing the XXXX XXXX Points even though I made the minimum spend as per their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: DC

Complaint narrative:
I have an account with credit karma. On credit karma, it's showing I have a lot of hard hits for serval loans : " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX ''. I've NEVER taken out a loan. I'm trying to get this fixed. How do I get this fixed? What are the steps I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I'm not even sure what debt they are talking about. There were calling me incessantly and would not tell me who they were. If I answered, they would transfer me to an automated message to leave my information. 

The only bill I thought could have been outstanding was a doctor bill from XX/XX/2018. I have called the doctor 's office and my insurance paid. I have a XXXX balance. 

I do not owe anyone any money ; I have impeccable credit. I have also just checked my credit report, in case of identity theft. My credit report is perfect. 

They are now calling my work number ; I am a XXXX XXXX and it rings in my XXXX. I have been forced to unplug the phone. 

The name of the company is Evergreen Professional Recovery, headquartered in XXXX Washington.

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 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USCB Corporation
State: TX

Complaint narrative:
My wife of less than a year received a phone call at work, at a hospital from someone looking for me about a debt. First, the account had been paid off and second, prior to being married this was paid off. This company disclosed everything from the hypothetical amount owed, to telling her that I would be going to jail. Whoever this is has made no attempt to contact me or mail me anything. To contact my wife, at her place of employment? I have left a message with my attorney and in the process of filing a lawsuit

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 2019-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I lost my job In XX/XX/2017 I did qualify for the reduced mortgage for a yr. I found a new job paying XXXX less than what I was originally making so it is hard for me to pay my mortgage. I have filled out the papers for the reduced mortgage but was denied when I ask my mortgage company they say the income is too much or less but will not tell me why. They referred me to HUD I called HUD and spoke with XXXX who does not communicate with me she can not explain to me why I was denied. So I asked to speak to her supervisor XXXX XXXX who has NEVER returned a call and I have left messages and sent emails. 
I do not want to lose my house but I do not know what I need to do, I am trying to get the help but it seems no one is trying to help 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 2019-03-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX EQUIFAX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and E-Oscar and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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:
XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX   XXXX XXXX XXXX XXXX, GEORGIA XXXX EXPERIAN XXXX XXXX   XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.

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 2019-03-18 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: Nelnet, Inc.
State: NV

Complaint narrative:
I am currently in XXXX, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Texas Guaranteed
State: TX

Complaint narrative:
First I do apologize for bugging CFPB in reference to this problem. I previously submitted a complaint against The Trellis Company in reference to a Student Loan from back in XXXX. I received information through CFPB, per Mr. XXXX XXXX to contact him. I contacted Mr. XXXX in which I asked him for information showing I did not ask for this forgiven loan to be repaid by me. I informed Mr. XXXX the last thing I knew about this loan it was forgiven. I also informed Mr. XXXX if something had changed no one notified me in any way. 
Per MrXXXX XXXX, he would have someone contact me and supply me with the requested information. After waiting over a month I contacted Mr. XXXX and he asked you havent received anything yet? I informed him nothing, to this day Ive yet to be notified from anyone at Trellis Company in any way. I have contacted Mr. XXXX numerous times only to be sent to his voice mail. I have left numerous voice mails messages however, he has yet to return a call or supply me with any documents. I feel this is the same reason a {$2000.00} XXXX XXXX is now over {$6000.00}, due to not being notified or communicate with. 
May I PLEASE have some assistant with this from CFPB? This information is being reported to the Credit Bureau and I'm trying to get it resolved. I can not do anything if the Trellis Company refuses to talk to me. I have been trying to resolve this for quite some time. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB management calls several times a day, despite cell phone being on the Federal Do not call list They even call on Saturday which in itself is a violation of the Roth California FDCPA act this is NCB ; s Banning Arm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
Last year I had to move. I didnt have the money to move so I went to the title loan company. I got {$1500.00} from them. I ran into issues and was having problems paying so I had to refinance. Which of course they screwed me over even more. They told me on a {$1500.00} loan that it would cost {$6000.00} to pay them back. Fast forward to now. They repossessed my only vehicle Saturday XX/XX/2019. Without warning. I also havent recieved a phone call from them in over a month. Nor have a I revived a call about them wanting to repossess my vehicle. The vehicle is my only mode of transportation. It has all of my tools and work material in it. They are refusing to tell me where the truck is so I can get all of my tools. And they are refusing to work with me. Saying they need a minimum of {$1200.00} up front just to release the truck. I have worked less than 40 hours this year and have no way to pay that kind of money. I cant even pay rent this month let alone pay {$1200.00} to a company that is in it to XXXX people over. I need my vehicle back as soon as possible so I can start to pay them back. I cant pay them back without the vehicle because I can not get to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: NV

Complaint narrative:
I am currently in school, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested for the fraud alert to be removed from my experian and XXXX report but its still showing on there. i need the fraud alert removed from my report asap thanks.

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 2019-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received notification from XXXX XXXX XXXX that a new account had been opened in XX/XX/2019. I went to to XXXX and pulled my free credit report. 
There was a new account added by XXXX XXXX for a XXXX  account with a credit limit of XXXX of which XXXX was used. 

I disputed it with XXXX but also called the company today. They said they would look into it and that could not discuss anything with me because none of my account info matched my name address etc. only my social security number. 

I asked where i could send proof that that social belongs with my name and address and was given a po box to send this to but not a department to attn the package to or even if it would do anything. 

I am buying a house in the next month and i do not need the hard inquiries and high credit usage to impact my loan. PLEASE HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested for the fraud alert to be removed from my experian and equifax report but its still showing on there. i need the fraud alert removed from my report asap thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CT

Complaint narrative:
I am missing about {$150.00} from my XXXX XXXX debit card account balance. I have all my receipts for the month of XXXX..and my receipts from my online purchases. I added everything together and I found discrepancies with the numbers! My balance is much too low..according to all my receipts and my debit purchases I made for the month of XXXX so far!!! Believe me I have all my receipts for the month of XXXX..and I am missing money!! It may not be as much as {$150.00} but there is some discrepancies somewhere. I need XXXX XXXX to return all money back to my debit card ASAP!! The company hasn't responded..they often hang up on us, ..or are not clear on what they are saying!

Company response to consumer: Closed with explanation