vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 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:
TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-11-30 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:
TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX and XXXX XXXX, XXXX I made two payments to American Express Platinum in the amounts of $ A and $ B respectively. They have acknowledge receipt of those payments on those dates. Unfortunately the later payment was credited to the wrong account by my error. On XXXX XXXX I recognized the error and called American Express to correct the matter and ask that the latter payment be transferred to the correct account. American Express assured me the matter would be corrected within 48 hrs. On XXXX XXXX it had not been done. On XXXX XXXX I was denyed use of my card. I checked on the account and determined that the $ B credit had not been credited to my account so I called again to ask that the transfer be done and was assured that it would be corrected. On XXXX XXXX American Express called and demanded a payment to bring the account current and indicated that I would contunue to be denyed use of the card if I did not. I explained that I had made a payment and was trying to get it credited to the account but was not getting any help from American Express to rectify the matter. I explained the matter to the representative, they acknowledged receipt of the funds and again told me that the matter would be rectified within 48 hrs. and that notes had been made in the file to that effect. I called American Express on XXXX XXXX and was told the matter was still pending but had been submitted for approval on XXXX XXXX and should be corrected within 48 hrs. I called American Express on XXXX XXXX and have now been told that the submission on XXXX XXXX was denied because the representative did not use the correct procedure and that it will take another 48 hrs after a submission to get the matter resolved. Notwithstanding that I made the payment on XXXX XXXX I am now being denied use of my card and auto payments are being returned to the vendors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
I have no idea what is going on with this account. It has been on my XXXX report since XXXX of XXXX. It was listed as a repossession and there has not been any change in information regarding this account since it was listed. The amount of the debt has neither increased nor decreased and for the past 12 months it was listed on my credit report as unknown information. It shows there is an amount owed of {$9200.00}. As of this date since XXXX of XXXX I have not received one piece of written correspondence from this company. I attempted to verbally contact them on XXXX and XXXX to have them send me all the paperwork concerning this debt, including all of the account details to validate the ongoing and current status of this debt. I disputed this debt to XXXX on XXXX XXXX and they reported to me as validated. However, I still have not received the information that was validated from XXXX nor Danco Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Company is attempting to sue me for an account with XXXX XXXX that was due to Identity theft. I sent numerous letters to XXXX XXXX to validate the debt and nothing is being provided. I also sent Affidavit along with police report filed in 2016 about these unauthorized accounts they are attempting to collect on and still no response or attempt to clear this matter up on there behalf. I need to have this stopped and deleted from my credit report so I can get back to my basic life and not worry or have to deal with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an account approximately a month ago at Bank of America that was setup with direct deposit. On XXXX I attempted to withdraw from an ATM and was unable to do so. I was told I would have to contact BoA the following morning. On XXXX BoA informed me that my account is in the process of being closed and my funds are unavailable for unknown reasons. BoA has not provided a valid reason for the erroneous closure nor returned my funds in a timely manner.

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 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted XXXX as I noticed a few inquiries on my report I didnt inquire about they did not want to help nor resolve the problem. The person was very rude. Needs to be resolved and then reprimanded.

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 2017-11-30 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:
Fraud Alert on my acct -- - I NEVER requested same. Did not authorize.

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 2017-11-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an account with Chase XXXX and an agreed upon interest rate of 8.99 %. I have had this account since 2005, without a single late payment. I received a letter telling me that my interest rate has been raised to 14.99 %, violating the terms of my contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
A medical procedure was performed while I was under workman 's compensation insurance in XXXX XXXX. There was a billing error and the insurance company never received or paid the bill for XXXX ( XXXX XXXX XXXX ). I was overwhelmed with the circumstances and unemployed by the time I received the bill. I did not pay the bill and the bill went to a collection agency ( XXXX ). Eventually that debt was picked up by Pressler & Pressler of XXXX, NJ. Pressler and Pressler 's attorney, XXXX XXXX XXXX, filed a Notice of Motion Turnover and seized assets from my bank account in the amount of {$1600.00} in XXXX XXXX. This was done through a Civil Action of XXXX XXXX XXXX vs. me. The original judgement was for {$4.00}, XXXX plus costs. I was unable to pay this bill or hire an attorney. In XXXX, when I found work again, Pressler & Pressler went back to court and filed a Wage Execution and continued to take money to cover the bill as well the fees they continued to create. Pressler and Pressler refused to communicate via email and always talked on a recorded line. Pressler and Pressler took over {$4000.00} of my money. I have recently called XXXX ( the company holding the debt ) they informed me that my balance is still unpaid. 

Eventually when I secured employment again and got my life back in order I called XXXX XXXX XXXX and they informed me they would have worked with me on the bill. That amount is what they charge insurance companies and rarely get the total amount so they also would have settled for less from me. XXXX XXXX XXXX is using a new computer system for billing and they are unable to produce the original bill for me. 

In the summer of XXXX, I found out that I was covered by workmans compensation insurance during the time of this procedure. The workmans compensation insurance company was willing to reimburse me what I paid out of pocket to Pressler and Pressler, but they needed to see the original bill. I have contacted Pressler and Pressler as well as the XXXX company and neither will provide the original bill for which they took my money. I am at a loss and feel extremely taken advantage of by Pressler and Pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I made a withdrawal on the ATM for XXXX andATM only dispense XXXX bank the ATM was low in funds .i ask to see the videos and they said they dont use it for that purpose. They just give me excuses. And no resolution to this problem.

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 2017-11-30 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:
Fraud Alert Placed on my Credit file without my permission .... NOT authorized,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: IL

Complaint narrative:
At day of XX/XX/XXXX I did send a complaint to TransUnion about fraudulent accounts and charges that did show on my credit report and asked them to delete them from my credit report. Complaint was deliver as of XX/XX/XXXX. As for today XX/XX/XXXX I did n't got any answser from them. 

Dissputed accounts : 1.XXXX/XXXX openedXX/XX/XXXX with charge {$620.00} 2.XXXX XXXX XXXX  opened XX/XX/XXXX with charge {$1900.00} 3.XXXX XXXX XXXX with charge {$230.00} I also dissputed fraudulent charges to my credit card for {$1000.00} I am attaching all send information to this complaint

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 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX credit line on X/XX/17. They put XXXX hard inquiries on my XXXX credit report. I would like XXXX of those credit inquiries removed.

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 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
XX/XX/2017 The company Checkr is submitting a background report that is not accurate and they have done this numerous times. I have contacted them through e-mail and phone to try to correct the matter and they will not fix it. They are reporting that there are restrictions on my drivers license and this is stopping me from being able to rent a vehicle for work. There are no restrictions on my drivers license. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon looking at my credit report. I discovered that the companies listed have placed credit inquiries on my report that I have no knowledge of and did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX I have spoken with the companies and Trans Union and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by 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 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon looking at my credit report. I noticed that the following companies have placed credit inquiries on my credit without my knowledge or consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX I have spoken with the companies and Experian and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by 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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
This started at the end of XXXX XXXX when I went online to pay my XXXX XXXX payment and Mr. Cooper website would not accept payment ( stating I owed more than my normal payment of {$490.00} ) and continued through the month of XXXX XXXX. I spoke to a XXXX in XXXX XXXX who proceeded to yell at me and threaten to foreclose on me if I did n't pay the full amount due. I requested to speak to a supervisor and was given XXXX who started the process of straightening out the systems handling of insurance as it applies to my account. I pay insurance and taxes separately. I was then transferred to loan specialist XXXX who took the whole month of XXXX XXXX, but was finally able to get all payments posted correctly and acknowledged I was up to date until XXXX XXXX. I got online in XXXX XXXX and it said I owed {$490.00} and that 's what I paid. 

When I got online in XXXX to make my payment it said {$78000.00}. Two days later XXXX called me and I told her I tried to make my payment and it would n't accept my normal payment of {$490.00}. She stated, are they doing this to you again? She said she 's in a new department ; however she will talk to her supervisor, get this fixed and call me back. I never heard from her and in the meantime every time I got online the amount went up. It now says I owe {$1000.00}. When I called today ( XXXX ) I was told that the payment I made in XXXX was applied to XXXX 's payment. I went online to their website and back dated my payment history for the last two years and I never missed a payment. I 'm not sure how they 're applying my payments. There have been mistakes made in the past with my account regarding my insurance and escrow payments. I 'm confused as to how I can be caught up in XXXX and then told in XXXX I owe for three months. The employees at this organization refuse to listen to anything I have to say. It 's like they have a script in front of them that they read from and are not allowed to say anything else. 

I recently received a letter in the mail from Mr. Cooper dated XXXX/XXXX/XXXX stating I owed {$1200.00} by XXXX/XXXX/XXXX. I 'm confused to even this amount since online it states as of XXXX/XXXX/XXXX I owe {$1000.00}. Now I am concerned about foreclosure, which does n't seem appropriate as I have n't missed a payment for many years and when I was going to be late it was due to having XXXX XXXX years ago and I called in advance to make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!

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