vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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: RI

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.

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 2019-08-24 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: RI

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: RI

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.

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 2019-08-24 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: CA

Complaint narrative:
I submitted a dispute to Equifax concerning inquiries on my credit report. The two items were : XXXX XXXX ; XXXX XXXX XXXX XX/XX/2018 and XXXX - XXXX XXXX XX/XX/2018. 
Their investigation concluded that inquiries are a factual record. Which I received on report # XXXX after their investigation. They also stated I need to contact the creditor from the information they provided for the creditor. 
The information for XXXX has no phone number and the address letter I sent was returned stating " unable to forward ''. The information for XXXX XXXX states a phone number of XXXX which when I called was not their number. I sent a letter asking for compliance to the metro2 compliance and did not dispute the items but asked if they can verify compliance which they state is true but the above examples clearly show they are not compliance of accurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
My credit report repir change. Good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XXXX XXXX i went in person to ACE CASH EXPRESS located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. I inquired what i need to take a loan out with them sense I've previously taken one out on 2017. The representative said i only need my most recent pay stub and a proper verification of checking account. Which i provided, and never did i sign a application. After all updates were complete the representative told me i qualify for XXXX, and at this point i still haven't signed anything. Then immediately received a email thru XXXX XXXX, that i have a new hard inquiry. I asked the representative if she ran my credit. Witch she confirmed she did. I never gave her a written nor verbal consent, to run my credit. She never asked verbally nor in written if she could run my credit. I called their customer care line, and spoke to one of the supervisor. She explained that they don't need to consent for running my credit, and that its part of there companys policies not to ask the borrower for a consent to running their credit. The only thing i signed stating that its ok for ACE CASH EXPRESS to report to the credit bureaus was the actual lending agreement, but the agreement was giving to me after they ran my credit. I decided to take the loan out sense the damage has been done. I don't feel its right for them to run my credit with no consent. They should start asking customers before doing so!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

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 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

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 2019-08-24 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at FRANKLIN COLLECTIONS. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
This company continues to send me robots calls and text messages saying they are synchrony bank and I have a debt with ashley furniture. There's nothing in my. Credit report and I've never been there. It's frustrating because they call multiple times a day, and I feel like that's violating my rights. They have been doing this for a couple mo these and its progressing to 3x a day. I can provide the text messages and further calls from my previous phone if needed.

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 2019-08-24 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 victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

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 2019-08-24 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: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section XXXX05B of the Fair Credit Reporting Act, and notify all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On multiple occasions, I attempted to render full payment on my TD Bank credit card issued in conjunction with a purchase at XXXX XXXX XXXX. TD Bank rejected payment on the purported basis that my check lacked an account number, which was a patent falsity. 

I again wrote a check for the full debt amount on or about XX/XX/2019. Before that check was cashed, I received a debt collection call from TD Bank, during which the employee recognized that I had made previous payment attempts. I was told that my paper check had again been rejected due to a purported lack of an account number. I again attempted to make complete payment, this time over the phone. 

In conjunction with my phone payment, on XX/XX/2019, {$6400.00} was deducted from my checking account, reflecting a payment of my debt in full. Then, the next day, TD Bank attempted with withdraw a SECOND COMPLETE PAYMENT of {$6400.00} from my account, based upon my physical check that TD Banks own employee claimed had been rejected. This causes by checking account to overdraft, resulting in bank fees. In addition, despite my full payment, TD Bank is now demanding that I pay a {$35.00} check return fee, despite my full payment and being told that my check had already been rejected. 

TD Banks behavior has been opaque and misleading. I feel as if my attempts to pay my debt in full have been arbitrarily rejected to either extend the interest-chargeable life of my debt or to cause me to incur fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a letter asking for verification of compliance to accurate reporting of information on my credit report. There are items being reported inaccurate and I wanted verification of the process and reporting. I asked that the following inquiries be verified : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX be check for compliance with reporting. I did not authorize either of these inquiries and they did not have permissible reason to access my file. I received the results stating the " inquires are a factual record " and that was the results of the investigation. Not providing what I asked for in my letter. 
I also asked for compliance proof for the following items being reported inaccurately on my credit report : XXXX # XXXX reporting 2 ( 30 days late ) also no closed date. XXXX XXXX XXXX # XXXX reporting a charge off XX/XX/XXXX after reporting included in bankruptcy the previous results from investigations. BANKRUPTCY CHAPTER XXXX # XXXX XXXX XXXX XXXX XXXX. I forwarded a copy of a screenshot of an eoscar for the account with no results. Also they state the information was received from XXXX XXXX which verified no record and the access to my record has been a freeze since XX/XX/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 non-monetary relief
Consumer complaint received 2019-08-24 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: DISCOVER BANK
State: AK

Complaint narrative:
On XX/XX/2019, I accepted Discover Card balance transfer offer to pay {$6000.00} toward my son 's College tuition. The offer was 0 % interest for 12 months with a 4 % transfer fee. After 12 months, the interest would be current rates 14-15 % ( currently 14.25 % ). 

Nothing in the Discover promotional materials stated that my prior ( higher interest ) balance would be paid only after the minimum balance was applied to the 0 % transfer balance. I have paid approximately {$880.00} in unexpected interest despite sending well more than the minimum payment for many months. I had approximately {$7000.00} balance before adding the {$6000.00} at " 0 % Interest ''. 

My other cards use a " first in first out '' payment strategy on transfers unless they clearly state otherwise per appropriate advertising law. In other words, transfers are truly 0 % interest ( after the percent transfer fee ) as long as the prior balance is being repaid and until the term of the transfer ( 12 months or more ) is exceeded. 

Nothing in the Discover promotional materials described why I would no longer receive cashback bonuses on the earlier balance but these also have ended.

I have been an excellent Discover customer over 10 years and have a FICO score of 811. Am  attaching statements showing my excellent and timely payment history. 

I am asking FTC and/or CFPB to sanction Discover for not making terms clear in the offer promotion ( it does no good to show these terms on the back of a statement after the transfer has been completed -- terms need to be made clear up front ). 

I believe this is deceptive advertisement and worthy of a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: TN

Complaint narrative:
. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: First Associates Loan Servicing LLC
State: TX

Complaint narrative:
School Closing Outstanding Loans was mailed discharge paper but was not granted removal from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company, which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I am still being charged for a debt that is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief