vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 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: GA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-29 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: PA

Complaint narrative:
Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have tried speaking with a member of management and they refused to transfer me to management. I called on XX/XX/20 and asked about a settlement and said the account did not qualify for a settlement. They are extremely rude and told me that they will document the account as " refusal to pay. '' I am not refusing to pay, I just want to speak with a human being that is not rude. The tone of voice they use offensive and that of a negative 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 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase Merchant Services XXXX deducted {$99000.00} from our bank account. We were not given any notice nor any explanations to the reason of the debit. From XX/XX/XXXX to XX/XX/XXXX further deposits have been withheld in the amount of {$9000.00} that is not reflected on our bank account. This makes the total amount withheld {$100000.00}. This action taken by Chase JP Morgan XXXX is detrimental to the survival of our fledgling new services, survival of our organization and disables us from meeting our debts and obligations. It has been over 60 days and despite many calls by me and by our local bank representatives the {$100000.00} has not be reversed. This action by Chase Merchant Services demonstrate abusive use of position without due process. 

After all communication with many representatives we were left with two possible reasons to debiting our account by {$99000.00} plus other deposits. First reason possibly due to section XXXX of Terms of Agreements to cover Chase Merchant Services in section a ) from risks, refunds and liabilities and in section b ) about required Reserve, which we will determine in good faith. Deducting {$100.00} thousand from total transactions of {$220.00} thousand which is approximately 50 % of all collected amounts does not demonstrate good faith only abuse of position with lack of regard to a new business. Second reason being that we stated that our total estimated transactions would be {$25000.00} and we exceeded that amount. Nowhere in the Terms and Agreements is it stated that the amount of our transactions can not exceed our initial estimation of transactions. We provided the bank letters showing that we are processing special health insurance for students at a major college and the amount taken is premium from 167 students who paid their premium in good faith that now can not register for Spring XX/XX/XXXX classes. We provided letters from college leadership, insurance company leadership explaining the urgency of this matter to no avail. The service we are providing is at minimum risk and refunds are rarely issue in spring since 98 % of students are ongoing students who are not eligible for refunds and this was substantiated by college leadership and insurance company. Hence making the amount of fund withheld in reserve extreme and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on Experian. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also XXXX  has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need experian and XXXX  to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, Experian will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.

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 2020-01-29 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: AR

Complaint narrative:
I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, Every time I try to connect to XXXX it directs me to XXXX XXXX XXXX XXXX.action TXXXX XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you

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 2020-01-29 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:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Since XX/XX/XXXX thru XX/XX/XXXX, Navient has charged high interest rates despite the FEDERAL GOVERNMENT INTEREST RATES having decreased. I have documents for this time frame only, but I am also requesting that your office investigate for year XX/XX/XXXX and prior years. ( See attachments ) In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding their home equity loans. They provided with the following interest rates from XX/XX/XXXX thru XX/XX/XXXX. During this time frames the federal government interest rates dropped but Navient rates remained the same or increased. XXXX XXXX rates- XX/XX/XXXX thru XX/XX/XXXX- 4.5 % ; XX/XX/XXXX thru XX/XX/XXXX-4.75 % ; XX/XX/XXXX thru XX/XX/XXXX-5 % ; XX/XX/XXXX thru XX/XX/XXXX - 5.5 % ; XX/XX/XXXX- 5.25 %. Navient rates are WELL ABOVE the REDUCED FEDERAL GOVERNMENT RATES.

On XX/XX/XXXX, I called XXXX ( Navient employee- # XXXX ) and inquired why the interest rate was so high and higher than the federal government reduced rates due to economy. She said it was because they use the LIBOR formula for interest rates. I advised her their rates appear to be fraudulent and not in-compliance to reduced federal interest rates.

Also Navient has charged extremely high interest rates despite the REDUCED PRINCIPAL BALANCE-. EXAMPLE- XX/XX/XXXX statement- Unpaid principle- {$1000.00} with interest rate of 7.75 % ; XX/XX/XXXX-statement- Unpaid principle- {$970.00} with interest rate of 7.875 % ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: ID Analytics, Inc.
State: LA

Complaint narrative:
On XX/XX/2019, I mailed out a letter to Sagestream notifying them to freeze my SageStream report. the were in receipt of this letter on XX/XX/2019. I've yet to receive any correspondence from them. I've called repeatedly and no answer for two weeks now. please have them freeze my report immediately and have them send me in writing that this has been taken care of. thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I received a collections account on my credit report from Midwest Recovery Systems in the amount of XXXX dollars for a XXXX. 
I have not taken out any payday loans and have no knowledge of this account. I tried to dispute it through XXXX XXXX however it came back saying the information is correct. This is not my account and I'm not sure how it came on my report. I recently received emails about possible identity theft through businesses whom had their files hacked. This is absolutely not OK and i am not sure how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: National Recovery Service, Inc.
State: AZ

Complaint narrative:
Hello, I have reach out to the US DEPARTMENT OF EDUCATION AND SENT THEM AN AFFIDAVIT OF THEFT they disregard it and believe they are still above the law and sent it to collections to National Recovery Inc. Due to this I have been rejected for homes, loans etc. They not only went against FDCPA but also against CFPB. They need to remove this off my credit report right away.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-29 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: ERC
State: FL

Complaint narrative:
XXXX XXXX  is trying to collect a debt that belongs to XXXX XXXX XXXX which I signed as a company officer and XXXX when out of business, I call XXXX   and was told that they wrote it off as a lost and they are no longer trying collect but can not supply me anything in writting because the debt is to old and they can not open it on their computer. 
When I CALL XXXX I was told that they don't have that account anymore and was supply with a attorney phone number XXXX account number XXXX. I ask XXXX to removed it my fro my credit report since they don't have the account anymore and was told to call the attorney supply above. 
When I call the attorneys office all they had was last four of my social and amount owned they where waiting for XXXX for more info from, Now that raised my eye brow. 
Now I have a different collection agency calling about the same XXXX account. 
ERC is the collection agency I pick up the phone and call XXXX XXXX they don't know anything about the attorney or the agency ERC. 
After three hours on the phone all I did was waste my time and can not get a stray answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. I was never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AR

Complaint narrative:
I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}

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 explanation
Consumer complaint received 2020-01-29 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: AR

Complaint narrative:
I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$1000.00} RXXXX XXXX XXXX XXXX {$1800.00}

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 explanation
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on XXXX. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also Equifax has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need XXXX and equifax to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, XXXX will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an email from American Express today. They closed my account. They stated it was because of some delinquencies on my credit report through XXXX. I have a fraud alert on my account with XXXX   for over 5 years. That item that they are referring to is being disputed as fraud. For the entire 4 years almost that I have had my credit card I have never once made a late payment. I spoke with a person named XXXX. Someone was in the background laughing. I am not appreciative that no consideration was given as I am a fraud victim. I can be reached at XXXX to get this rectified. They never gave me an increase the entire time that I had this account. I am not happy with this issue at all and the fact that my score will decrease because this account is being closed. I would appreciate reconsideration given. Please see attached police report and a copy of my DL to verify my identity. I look forward to this being resolved. Thank you.

Company response to consumer: Closed with explanation