vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: NY

Complaint narrative:
I have recently received my credit report and realized there is an incorrect reporting on my credit file. Transunion is reporting an incorrect report from XXXX XXXX  on my credit file. I have sent correspondence to them on the incorrect information being reported on my credit file and have requested for them to remove the fraudulent report as it is hurting my credit rating. It does not belong to me and have requested its removal and complete deletion from my credit file.

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 2019-09-20 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: OK

Complaint narrative:
I am trying to get in contact with SageStream , LLC to place a security freeze on my credit report but they will not return my calls nor answer their phones. I have left a voicemail the past three days and they state that they will get back to you within one business day but they just are not doing it. There call goes straight to voicemail every-time like they do not return your calls to begin with and I do not believe that they are busy every single day that I call in so they are just refusing to answer phone calls from consumers. This credit reporting agency that is not well known is basically hidden like they do not want us to know about them. This needs to be looked into. Apparently XXXX, XXXX, and XXXX are not the only ones. Please look into this as I have read nothing but complaint after complaint, after complaint about SageStream , LLC. I want my credit report frozen through them. They need to add this feature online that way we are able to do it ourselves without having to call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
The following series of attempts have been made on my behalf to clear a fraudulent charge of {$160.00} from XXXX in XXXX, FL. All of the phone calls listed below were lengthy on wait time and I was passed from one customer service rep to another. 

XX/XX/XXXX I called and informed customer service that the charge was fraudulent. I was told it would be noted and taken care of. 

XX/XX/XXXX I followed up with another phone call and was told it was not noted as fraudulent and there was no indication of my earlier call. 

XX/XX/XXXX I wrote a letter to the Fraud Department at the address given to me at the time of my call. I never received a response. 

XX/XX/XXXX Another phone call and was told the case # is XXXX and it is being handled. 

XX/XX/XXXX Another telephone call with representative claiming that XXXX had handled the issue and credit would be forthcoming. 

XX/XX/XXXX No results, another phone call informing me that XXXX XXXX was the investigator handling the issue but he was unavailable by phone. 

XX/XX/XXXX - I called XXXX to ask for help and was told they could do nothing. 

XX/XX/XXXX Online chat with cc representative named XXXX who informed me the item was flagged and I will see a credit within 3-5 business days. Please be rest assured. I printed a copy of the chat. 

XX/XX/XXXX Online chat with representative named XXXX who informed me I do not have to pay the {$160.00} as it is disputed and a security credit will be applied to my account. I printed a copy of the chat. 

XX/XX/XXXX I wrote a letter to XXXX XXXX whose name I was given in the last phone call and received no answer. 

XX/XX/XXXX Telephone to representative named XXXX who informed me that the credit was issued on XX/XX/XXXX and would show on my XX/XX/XXXX statement. XXXX said the person handling this dispute was XXXX XXXX and I could reach him by mail. 

XX/XX/XXXX statement was received and included a late fee of {$25.00} for non payment of the FRAUDULENT DISPUTED ITEM. 

XX/XX/XXXX statement was received with no credit as promised by XX/XX/XXXX representative. And a late fee of {$35.00} was charged plus interest of {$1.00}. 

XX/XX/XXXX my third letter to XXXX XXXX ( name phone rep gave me ). 

To recap all of my attempts to resolve this matter with no success or even responses - 7 phone calls, 2 chats, and 3 letters.

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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems , LLC, is a debt buyer that purchased a charged-off account from XXXX XXXX XXXX XXXX with a closing date of XX/XX/XXXX. XXXX XXXX XXXX XXXX acquired the charged-off account from XXXX on XX/XX/XXXX. XXXX is the owner of XXXX credit accounts. On XX/XX/XXXX a Summons and Complaint was delivered to a person at my residence of XXXX XXXX XXXX, XXXX XXXX, WA XXXX. On XX/XX/XXXX I sent my response to the Summons and Complaint certified mail with return receipt requested. Upon receipt of the Interrogatories and Admissions, I completed and returned them along with a letter dated XX/XX/XXXX explaining my exempt status and my Social Security XXXX Award Letter. I advised them that the only income I had was Social Security XXXX, which was exempt from collection.The next thing I received in the mail was Note The letter stated that if I choose to ignore the letter, Jefferson Capital Systems , LLC. may seek to enforce the judgement through remedies that it typically seeks, such as obtaining a court order to garnish my wages, levying my bank account, or placing a lien against my home I find this threatening, manipulative and harassing since they are making threats to try to get me to pay on a debt that is clearly exempt from collection activity and illegal to pursue in regard to garnishment, levying or liens. In addition, Jefferson Capital Systems , LLC. is not a creditor but a debt buyer. They are not collecting for the original creditor only for their own profit. They paid pennies on the dollar to purchase the debt, which was not purchased from XXXX or XXXX, but purchased from XXXX XXXX XXXX XXXX XXXX to their threats of pursuing more court collection activity they are causing physical, mental and emotional problems for me. This is not good due to my fragile physical health already, I am asking for your assistance in getting them to understand that my income is exempt and therefore, they have no legal right according to law to pursue collection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: FL

Complaint narrative:
The following inquiries on my report are fraudulent and were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX. 
XXXX XXXX VIA XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX OFFLEASE ONLY VIA XXXX OFF LEASE ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO : XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUES TO REPORT ON THIS CREDIT REPORT WHEN THESE COMPANIES WERE REPORTED AS FRAUD FOR UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER.

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 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Benjamin Chaise & Associates
State: MI

Complaint narrative:
I have a debt from XXXX, which I was XXXX for and also filed bankruptcy upon release in XXXX. 

I provided proof of XXXX  in XX/XX/XXXX and today XX/XX/XXXX. I called and asked why I was still receiving collections and Benjamin chaise and associates told me they were still coming after me they did not care about the bancruptcy they would keep coming so pay my XXXX bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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:
The inquiries are not related to any transactions made my me. I have never applied for these accounts. Please remove them as soon as possible because all of them are fraud.

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 2019-09-20 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:
The inquiries are not related to any transactions made my me. I have never applied for these accounts. Please remove them as soon as possible because all of them are fraud.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired my credit ( Transunion ) in request of a personal loan together with my wife. In the credit report 2 inquiries appear dated XX/XX/XXXX and another one dated XX/XX/XXXX, I make a claim in the same week of XX/XX/XXXX of the double inquiry with the XXXX ( Number of claim XXXX ) and the response to the claim was favorable to my person for which the XXXX promised to request the elimination of the inquiry dated XX/XX/XXXX. 
I ended the situation in the month of XX/XX/XXXX when I reviewed my credit report in the month of XX/XX/XXXX I find that the double inquiry was still in my credit report with Transunion to which I proceeded to make another claim, the XXXX 's response was that it had already been requested in the month of XX/XX/XXXX and they returned to commit to carry out the procedures for the elimination of double inquiry. From XXXX to the present I have made multiple attempts for the XXXX to take action in what they committed to me, I opened 3 additional claims : a : XXXX, b : XXXX and c : XXXX. The person in charge of processing the elimination of double inquiry is XXXX XXXX XXXX from the claims department. 
This situation is affecting my credit report since my score is affected by an inquiry that should not be there. I made multiple calls to BPPR customer service and the only answer I had was that they would make notes to the claim and that I would be called in 1 week ( twice I got that answer without actions from BPPR ) so I decided to open a complaint to CFPB so that My business can be addressed. 

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 explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX On XX/XX/2019 I decided to apply for Chase Cash Wise Credit Card. After applying for XXXX. Upon resceiving my credit card I tried to activate it and was told that my account was closed ; Supposedly because I have a poor credit history which isn't true and I feel I have been discriminated. I have had a credit card history for over 13 years with not a single late payment and always paid my debt. The other problem I have is they have lowered my credit because now on my credit report it shows that I have opened a credit card and it was closed from the credit grantee which will affect me in doing business with other banks. This type of bad business practice should be stopped. They need to do the work before approving then deciding to close it while card is on its way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ASSOCIATES, INC. (OR)
State: WA

Complaint narrative:
XX/XX/2019 - I called to let them know this debt is over statue of limitations as I have not even lived in this particular city in over 13 years. I was told that is not the case and that it is owed and that there is no statue of limitations on this debt. I told them I dispute this debt and that I am not admitting I owe the debt and was then told they would verify the debt and send me the proof.

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 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
Filed an investigation regarding number of qualifying payments made towards Public Service Loan Forgiveness in XX/XX/2019 and have received no follow up communication regarding results. I am being told that a timeline for completion of this process is " impossible to provide ''. Fed Loan is the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding is reporting incorrect information on my credit report. I submitted a dispute on XX/XX/2019 with all 3 credit bureaus and the dispute was closed and nothing was updated. They are reporting a balance of {$4800.00} as an open installment loan. They are a debt collector. They are reporting terms of 1 month although no terms or agreement was ever entered into and they are a debt collector. They are reporting a past due amount and they are a debt collector. They are also updating monthly missed payments and they are a debt collector. I have disputed and asked that this account be removed from my credit as they are updating it monthly with incorrect information to purposely hit my credit on a monthly basis. They responded that the information is correct. They are violating FCRA in multiple ways and I am requesting the account be removed immidiately. I am also filing a complaint with BBB and will be pursuing FDCPA violations against this company as this seems to be a tactic that they have numerous complaints about. I also mailed out a letter with a copy of the information on my credit report last week certified mail so that they are aware of their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I move from XXXX XXXX XXXX to XXXX, I phone XXXX   to move my service they talked me into XXXX XXXX they opened the ticket to have a tech to come and set up service a month after I moved. in the mean time what i was tols was my last bill with XXXX was paid and I waited for my serivce visit for XXXX XXXX. The tech came looked around asked me a few questions and said sorry I can't do anything there is a tree in the way the dish won't get service. So he said he canceling my service ticket and I would have to call XXXX to get my service started. I was upset about the horrible service that I received my sister in-law who lives with me called and had comcast come out and provide us with servie and we have had that service for the last 4 years. I never heard a word from XXXX XXXX until i started to build my credit so I can buy my car. Then I seen on my credit report that I have an outstanding bill for XXXX XXXX when i asked for copies of the statements or evidice of my dispute. they won't provide me with any information they just say they have proof. why should I pay for an employees mistake and not properly taking care of the close of my account or not providing me with proper information on my account. why wouldn't they follow up and see that I have never turned on a box or the fact my service request was cancelled. where is there dudligence. this not the first I have heard of the poor service by XXXX. my fiance wasn't getting service for over a year and paid her bill and XXXX didn't even bother to address her wasted money or try and offer her a discount. they brushed it under the rug and accepted no resposiblitiy just as they are once again. They need to stop outsourcing their call centers to the XXXX so that there American clients can get their issues resolved or is that part of their whole fat cat plan. cause confusion and get the consumer in the end with faulty informaition, errors, language barriers, frustration, and deniablity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS 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 2019-09-20 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: CA

Complaint narrative:
Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX  or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )

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 2019-09-20 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: CA

Complaint narrative:
Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )

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