vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-21 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: PA

Complaint narrative:
Today, XX/XX/2019 I contacted Equifax to get my security freeze temporarily lifted for XXXX XXXX to be able to check my credit. 

I first tried to do this on line but do not have, nor was ever provided a ten digit PIN from Equifax when I initially placed this freeze. 

Then I called Equifax customer service and answered all their security questions properly and completely. They still denied my ability to lift my freeze and get me a new PIN. 

I spoke to a customer service rep and a supervisor, neither one of which could speak English such that I could understand them. 

I was told I could request the temporary freeze removal and get a new PIN in three to five business days if I faxed a detailed letter to them along with copies of my driver license and Social Security card which I have done. 

The purpose of this complaint is to protest the lack of customer service in helping me accomplish what I need to accomplish. The people were like robots. They could have offered any number of ways to confirm my identity immediately but refused to do so. 

Equifax has long had a terrible customer service reputation which still exists to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: MO

Complaint narrative:
I have sent XXXX  XXXX XXXX and EXPERIAN both multiple letters of verification. I've requested both XXXX XXXX XXXX and EXPERIAN to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2019-04-21 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: NY

Complaint narrative:
My complaint is about XXXX - the largest shameless business giant which neither pays its taxes nor conducts ethical business with consumers. 

XXXX Sold me a camera ( Video Camera Camcorder XXXX XXXX XXXX ), together with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-I Memory Card Up to XXXX, XXXX/XXXX on XX/XX/2019. The video camera costs XXXX and the memory card costs XXXX, a total of XXXX. I was trying to return the item and arranging return pickup repeatedly since XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019, respectively. I have attached all the pieces of evidence of those subsequent return pickup attempts from my end with this complaint. XXXX only refunded me XXXX claiming I was late in returning but in fact, I wasn't, but they are the ones who never really picked the item up as promised. I always kept the package ready for them to pick up but they either left the labels outside door or never even came. I complained to XXXX about this negligence again and again but they didn't do a single thing to rectify this repeated misbehavior. 

XXXX also sold me two different styluses. Each stylus turned out to be problematic and when I contacted back XXXX to inquire about the products, they told me that I don't need to return the original products and sent me replacements so I didn't bother further about returning and threw the originals away, but the replacements also turned out to be problematic for me. I purchased XXXX XXXX XXXX XXXX on XX/XX/2019, cost {$14.00}, which arrived with no user manual at all. I needed instructions on how to replace the tips or use it effectively and as I tried to change the tip, the product got wasted. I contacted XXXX informing about difficulty and complexity of using the product so they told me not to bother returning the original and promised to send me a replacement with a user manual this time but they broke their promise. Again I got the same item with no user manual. Before I got the replacement, I threw the original away since it got totally wasted and now that I only returned the replacement, they are saying it's my fault and I don't deserve a refund. 

I purchased XXXX  XXXX  XXXX  XXXX on XX/XX/2019, cost {$29.00}, and after a while, it began to skip lines while drawing and turned out to be defective so just as XXXX XXXX XXXX XXXX, I contacted XXXX and XXXX made the same promises which turned out to be lies as well. I could only return the only available replacement since I already had thrown away the original and XXXX claims as before as always that it's my fault as well and that they treated me fairly each and every time. 

I have attached all the records on all the three items above with this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I XXXX XXXX WHEN I WAS ON SECTION 8 AND THEY MESSED UP WHEN I WAS IN THE SECTION 8 PROGRAM AND UP ON ME AND CHARGE ME XXXX DOLLARS AND IT'S NEVER WAS SUPPOSED TO BE ON MY CREDIT FILE SO I CAN GET ON WITH MY LIFE BECAUSE ITS SLOWING ME DOWN AND I NEVER SHOULD OF BEEN OFF SECTION 8 PROGRAM SO THIS NEED TO BE REMOVED IMMEDIATELY FROM ACCOUNT. 

THANKS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have sent SYNCB/CARE CR and XXXX both multiple letters of verification. I've requested both SYNCB/CARE CR and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to  report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2019-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I had a mortgage with JP Morgan Chase and was in the process of a loan modification when my home was loss in a fire. I received a settlement check for {$190000.00}. I owed a mortgage balance of {$120000.00}. I have tried to get an accounting of the balance. I did not sign the check which was made out to me, JP Morgan Chase, and XXXX XXXX. I just want to know why my home was never rebuilt and who took the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
Equitable acceptance increased my apr from XXXX to XXXX and they have notified me of this change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I have sent CITI and XXXX both multiple letters of verification. I've requested both CITI and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2019-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans union investigated my identity theft by removing the fraudulent account but then charged me with opening and closing the account by knocking my credit score down by 60 points when I re-explained to them that it was identity theft in the first place.

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 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I am in the process of Mortgage Assistance Application expecting the the mortgage servicer, the Ditech Financial , LLC, will complete this process and recommend one of few solutions to help me with mortgage payments due to a temporary financial hardship occurred because of the disastrous events happened with my property without our role in it - only a liability as the owners. 
Today, XXXX XX/XX/2019, I receive a surprising letter from our mortgage services, printed on the CFPB template " Loss Mitigation Acknowledgment Letter _ Complete LMA Retention '' is changing the Mortgage Assistance Application into never asked Loss Mitigation application and asking for Retention and a completely different schedule of payments. Prior .representatives of the Ditech Loan Modification Department , 5 times, when we were adding  information to the Mortgage Assistance Application, have agreed to put hold on regular payments of the mortgage due to the special circumstances in this case. 
The current change will create a necessary burden of additional {$10000.00} which should be removed and the today 's letter retracted. 
I understand that Ditech Financial LLC is in financial problems ( bankruptcy chapter XXXX filed recently ) but misleading customers to collect unearned profits is not a legal manner of solving their problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: MO

Complaint narrative:
I have sent XXXX/XXXX and EXPERIAN both multiple letters of verification. I've requested both XXXX/XXXX and EXPERIAN to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2019-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
XXXXXXXX hospital make a mistake by giving me a XXXX shot for XXXX without getting it approved first. This shot alone cost around XXXX since the hospital made this mistake they agreed to dismiss the charges and I was not suppose to even get a bill. I have talked with them many times and they have apologies to me for this. However somehow by miss communication this bill went to collections. to Capio partners which in turned showed up on my credit report and lowered my credit score 35 points. I have been talking to a XXXXXXXX hospital representative about this matter and he has assured me that this will be taking care of and this would come off my credit report. I have also mailed a letter to the collection agency and gave them his phone number in an effort to get this removed from my credit report.. I have disputed this on XXXX with no results. You can contact XXXX XXXX a rep with the hospital and he can verify all of this. Phone : XXXX XXXX, Fax : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent EQUIFAX multiple letters of verification. I've requested EQUIFAX to verify this account. The account name is unknown and the account number is XXXX Since it is against federal law ( Fair Credit Reporting Act -- 15 USC ? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I XXXX XXXX MOVED OUT OF XXXX XXXX APARTMENT AND I MOVED OUT OF TOWN I SPOKE WITH PROPERTY MANAGE AND TOLD HIM WHAT I WAS DOING AND HE SAID OKAY AND I TOLD HIM TO PUT IT IN WRITING AND THE XXXX XXXX APARTMENT STILL CHARGE ME XXXX AND WE WAS NEVER LATE I TRIED TO GET ANOTHER APARTMENT AND THIS SHOULD UP ON MY CREDIT REPORT I NEED IT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT SO I CAN GET ME AND MY CHILDREN SOMEWHERE ELSE TO LIVED/ THANKS XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent TRANSUNION multiple letters of verification of employers. I've informed TRANSUNION that these employers are not associated with me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2019-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
A medical debt I owed to XXXX XXXX for {$560.00} was put on a monthly payment arrangement directly with XXXX XXXX* for $ XXXX/month. I paid the debt off in full, early, with the final payment being In XX/XX/XXXX. Payments were as follows : XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$200.00} Total payments : {$560.00} Receipts for all payments have been attached to this complaint. 

No notice of placement with a collection agency had ever been received by me - not by phone, mail, nor email. The only bills I received were directly from XXXX   XXXX. This is confirmed and evidenced by XXXX XXXX setting up the payment arrangement *with me directly* for $ XXXX/month ( see attached evidence ), the debt being paid directly to XXXX  XXXX per their monthly payment arrangement instructions ( see attached payment receipts ). The payment arrangement I made with them had never been late nor past due, and the debt was paid off in full two months prior to the false reporting by Healthcare Collection Inc. 

As of XX/XX/XXXX the debt had been paid in full. On XX/XX/XXXX a new collection appeared on my credit reports with all three credit reporting agencies from 'Healthcare Collection Inc ' and showed ' {$57.00} past due as of XX/XX/XXXX '. There is no past due amount and there never was a late payment. 

After this item appeared on my credit reports, I lodged a dispute with all of the credit reporting agencies ; XXXX has responded stating 'The information you disputed has been verified as accurate. ' confirming that Healthcare Collection Inc is violating the Fair Credit Reporting Act as the information they are reporting is indeed inaccurate and false.

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 2019-04-21 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I an entitled a free credit disclosure file, due to a credit denial. I tried getting disclosure file by phone, but Equifax is requiring me to get my credit score also with my free disclosure file, therefore eanting to charge me for my credit score. So I try it online, give all the info they requested and then tell me " at this time they can not give me my credit disclosure file ''. Then want me to use the robo phone line to get it. Its just one vicious circle they have sent me in. Reason I m pursuing this is I have false info on my credit denial. I m wanting to verify this info is in fact in my credit file. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a letter to XXXX and Transunion requesting a letter of validation for an account ( XXXX XXXX ) ..No validation was provided and they failed to remove this report from my credit report. They allowed the company to add a XXXX to the account dropping my score over 40 points, which They have done this on more than one occasion, causing my credit score to go up and down with aprox 40+ points, by allowing this company to add a {$1.00} or take away a XXXX amount, yet this account has never been validated and when asked to remove the account, due to a lack of validation. There is no response or some remark added to my acct, with no validation.that causes my credit score to drop. I have attended to request a debt validation with this company ... .with no response., so I don't believe they have recieved any response from them, nor have they removed this account after not receiving any requested validation, even though they are legally required too.

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 2019-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
No contract with XXXX  No contract with the third party Collection Agency Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX NY XXXX Ph XXXX XXXX XXXX I did not open an account with them ... period

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