vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-11 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: TN

Complaint narrative:
starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX  XXXX. XXXX XXXX XXXX, GA XXXX, XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX, Trans Union LLC Consumer Dispute Center XXXX XXXX # XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX 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 2018-11-11 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: TN

Complaint narrative:
starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Experian XXXX. XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX Consumer Dispute Center XXXX   XXXX XXXX  XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX  or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX 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 2018-11-11 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: IL

Complaint narrative:
Experian is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to 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 non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to buy concert tickets from someone on XXXX. I know you assume risk when you do this, so I tried to be as careful as I could. I asked a lot of questions and asked for ticket confirmation. Ultimately, I was scammed out of {$300.00} dollars using Chase quickpay ( XXXX ). I've tried to remediate the issue with both companies, who have been unwilling to do anything at all. 

Chase was unwilling to conduct any sort of investigation, or contact XXXX or the other users bank account to try to remediate the issue. XXXX has been unwilling to do anything at all. After doing some research ( which I should have done before I made the transaction ) it seems that XXXX has become a safe haven for scammers who know the company and banks won't do anything to fix these issues. 

These crimes are becoming common and they will only continue to become more common. It is disappointing and surprising to me that purely digital companies like XXXX are handling this better than our nations oldest banks. 

I know that I screwed up, but I'd like my bank to at least take this seriously. I was defrauded. Chase told me they couldn't do anything because quickpay was " self-service ''. Every product I use by Chase is self-service. But they wouldn't be able to say that if my debit card were fraudulently used. These companies shouldn't be able to offer products just because they're in high demand if they aren't going to make any attempts to secure them. I ( along with most people ) expect more from my bank and companies they partner with like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX   XXXX : XXXX Experian : XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : 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 2018-11-11 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX/XXXX   XXXX : XXXX XXXX : XXXXTransunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : 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 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXXXXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: WI

Complaint narrative:
I have informed American First Finance to stop taking payments out of my account bi-weekly that I will mail my payments in. The reason I told them this because they have called me several times when payment arrangements have been put in place, they have been authorized previously to take payments of {$130.00} at one time and they take 2 payments causing my bank account to be overdrawn or me having to rob XXXX  to pay XXXX  to allow the payment to go thru. I know I have this debt for some furniture that I am more than willing to pay, I just have a big problem with them AFF going into my account at any unauthorized time and for any unauthorized amount. If I say I will mail my payments in, then allow time to receive the payment instead of just creating a debit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: IL

Complaint narrative:
XXXX is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX  open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I Opened a Checking & Saving account combo with Citibank on XX/XX/2018 under an offer that if Within 30 days of account opening I deposit {$15000.00} and Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days then {$400.00} Cash Bonus which will be credited to my new Eligible Checking Account within ninety ( 90 ) calendar days from the date I complete all offer requirements. 

To Give details - a ) Account Opened on XX/XX/2018 b ) {$15000.00} Deposited on XX/XX/2018 -- > This completed the requirement of depositing $ XXXX within 30 Days c ) {$15000.00} was maintained from XX/XX/2018 to XX/XX/2018 -- > This Completed the requirement of maintaining $ XXXX for 60 days d ) Since i completed all conditions on XX/XX/2018, i was supposed to get Bonus of {$400.00} 90 days after XX/XX/2018 which was XX/XX/2018 but i haven`t received my bonus. 
Reached out to Customer care many times but the customer service is very pathetic. 

Please help

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 2018-11-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a copy of my credit report which included multiple inquiries made by XXXX XXXX XXXX, XXXX. I have never applied for an account or a credit card with this company. I contacted Chase and all 3 credit bureaus to dispute this incorrect info and asked that they remove it from my credit report. The credit bureas did nothing, but a Chase representative assured me over the phone that the inquiries would be removed because they had no record of me applying for any of their services. A week later I recieved a letter from Chase stating that the inquiries would be removed. I sent this letter along with my initial letter asking them to remove the inquiries, because now I have proof that I never applied for anything from Chase and a written letter from Chase that they were removing the inquiries. This all happened about 3 months ago. I checked my credit again today and the inquiries still remain on two of my credit reports ( XXXX   & XXXX ) and now there are even more of them ( 9 inquiries ). I am convinced that I am either a victim of identity theft or there is a glitch in Chase 's system. The inquiries are happening every month. No one in their right mind would continue to apply with the same company and keep getting denied every month. Either way its hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 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: IL

Complaint narrative:
NOTE : This is my second complaint to CFPB about the same issue. And my 5th dispute with TransUnion TransUnion have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) as required by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion are required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this UNVERIFIED ITEM

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 2018-11-11 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: IL

Complaint narrative:
Note : This is my Second complaint to CFPB and my 5th dispute with Experian.

Experian have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) that's required by the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this Negative UNVERIFIED ITEM

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 2018-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
A debt collection appeared on my credit report on XX/XX/2018 for an amount of {$130.00} dollars from XXXX XXXX XXXX. The original creditor appears to be XXXX XXXX. However, I have never been contacted about this debt and I have never had any business dealings with XXXX XXXX. I have bank statements and cell phone records to prove that I have never associated with XXXX but have not been contacted to validate the debt. As such, I am certain this debt has been erroneously attributed to myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA XX/XX/2018 As trusting B of A for the last 34 yrs, As being a member I have become at this day of XX/XX/2018 a VICTIM of my personal finances, name, home because of requesting mortgage Assistance as of receiving a letter at my home on XX/XX/2018. As of today I fear the worst, with how I continue to receive at this time frame of 45 days to prepare for my mortgage payment to change with Increases of difference of a over 100 % increase? Letter attached is prof of the facts Iv'e stated above. I take responsibility for my mortgage payments as paying on time and paying the monthly payment of {$1800.00}, But the letter indicates in my terms of my loan had XXXX yr period during witch my interest rate stayed the same, That period ends XX/XX/2018 .So on this date XX/XX/2018 your INTEREST AN PAYMENT MAY CHANGE. with at this time there estimate of increased new payment was {$3400.00}, As I stated I applied with B OF AMERICA for Mortgage Assistance as after contacting B of A and trusting them with there telling from the mortgage and loan dept .As a few weeks had passed I called to see about the progress of this 6 page application I was told to find online ' fill out the required question that pertain to my needs of assistance of need some help with this increase of Mortgage payment.? ANSWER ( no record ) of application process in there system .I was devastated with knowing i had little time to resend this application again, certified mail this time .On XX/XX/2018 I get a letter from B OF AMERICA that saying The servicing of my home loan will transfer to XXXX XXXX XXXX XXXX? Why GREED AS B of A SEES a easy way to sell my loan off TO MAKE MONEY .and DID .Now with the NEW payment even higher at {$3700.00} .This is the part that has made me sick, the letter basically has left me dealing with XXXX  TO GET ASSISTANCE, As I have contacted XXXX  ON XX/XX/2018 they REPLIED I'm not in there system try back in 5 to 7 business days? I have to only believe B of AMERICA has failed in my privacy of personal info mation within them selling my loan as a high risk as chance of forecloser to the world of scams, fraud companies harassment, calls and emails asking if i need to borrow money, my home is going into fore closer, This is really a blow to the head, since I NOT EMPLOYED AS B of America was told by myself sending them my application for some type of assistance. This has caused myself to become fearfull of losing my home for asking like I stated trusting B OF AMERICA, Thanks for reading can you PLEASE HELP ME SAVE MY HOME OF 17 YRS????????

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 2018-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank is already aware that this is a deceased account, they are still reporting me as an authorized user on a closed cardmember 's deceased account. I am not responsible for repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
During the time of the missed payment, I was going through financial hardship and I could not make my payments to this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Last year someone opened a Kohls department store card in my name without my consent. Whoever accessed my info made frivolous charges on my behalf. I have no knowledge to how my info could have been obtained

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 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: OR

Complaint narrative:
Equifax, XXXX  and XXXX  have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Please see my attached in depth explanation of my complaint against XXXX XXXX XXXX fraudulently collecting debt I don't owe, falsely representing the XXXX ( where I briefly lived ) as the creditor when they emailed me asking me for a copy of this letter because I have only ever had a {$0.00} balance and 2 years later still do, and then NCS breaching all of my rights and immediately reporting delinquent for the past 2 months 1 day after a one page letter with an unexplained balance, calling from a spoofed # with my area code when they are in GA, threatening me, then 2 letters on the same date with different logos and letterhead one stating aware of dispute and a fake invoice, the second letter from XXXX XXXX ( spoofing threatener ) stating I will be sued. The XXXX  has not reached out to them to stop this and that is affecting my credit and ability to get housing - and enabling a crime in their name knowingly ... so I don't understand why they would ignore this when for 2 years I have no balance and they said they would take it of it so I don't sue them ( THEY SAID THAT ), but then haven't returned my call to take the necessary steps and make NCS stop dead in their tracks and remove everything from my credit reports- all 3 ASAP.

Company response to consumer: Closed with explanation