vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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:
As of today, Equifax lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Some Company by the name of rent debt has stolen my identity. They call me constantly demanding i pay this debt or go to jail they also have contacted my family members providing them.with personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 I opened a checking and savings account at my local chase bank. The lady that assisted me Told me that there was a possibility I could get denied after she submitted my application. I was accepted when she submitted the application and deposited {$250.00} into my new checking account and {$50.00} into my savings account. I left the bank happy to have opened a new bank account. Today which is XX/XX/2019 I  tried logging into my bank account and was denied. I called the number offered and was told that my account was being closed due to unspecified reasons. I spoke to multiple people trying to figure out why this happened and if it could be reversed and to no avail they said it was irreversible. My problem is that I was never made aware of the possibility of still getting denied after I was approved. I would have never deposited the amount i did had I known this was a possibility. Now my money is unavailable and to me which is a major inconvenience as I have bills to pay. This was a very unprofessional way for the company to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Can't log in on web or the app it's charging my account every month And sending me emails but it crashing ever time I try to log in or get disconnected when I call

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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I open a American Express XXXX credit card referred by my friend, and I was informed that I have XXXX bonus points ( roughly {$750.00} ) after spending {$3000.00} within three months. 
I finish this welcome bonus task but never receive XXXX bonus points. I request an investigation for this issue inside American Express on XX/XX/2019. 
I was never informed any feedback until I called them again. They told me the investigation was already finished and they found " misuse incentive history ''. 
That means I had similar credit cards before or I closed cards right after receiving welcome bonus, which neither of them is true. 
So I asked for more details to prove this conclusion, but the representative said there is no detail or prove. 
So I believe american express has false advertising for a very long time or they secretly and intentionally stealing money from clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: GA

Complaint narrative:
I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations

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 2019-03-02 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: GA

Complaint narrative:
I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations

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 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX IC System wrote a letter to my late father concerning an alleged debt from XXXX XXXX. This allegation had no merit, and in any event XXXX is permanently barred from any collection against the estate as a matter of Texas probate law. On XX/XX/XXXX I wrote to IC System informing them that their allegation of a debt was fraudulent, and invoked the estate 's right under the Fair Debt Collection Practices act to prohibit all further communication and demand verification of the debt. 

On XX/XX/XXXX IC System wrote another letter in WILLING, KNOWING, AND DELIBERATE VIOLATION OF 15 USC 1692c, 15 USC 1692e, and 15 USC 1692g.

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 2019-03-02 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:
As of today, XXXX  lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.

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 2019-03-02 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.

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 2019-03-02 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.

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 2019-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gallatin Valley Financial
State: MT

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX has been harassing me for weeks. He has been told several times to stop calling me at work, my dad 's business and my wife. I tried to correct the issue to the best of my ability. Offering a payment plan and a lump sum payment down the line. He now blocks his number when calling as it always shows up as Unknown. I am sick and tired of my phone constantly ringing. He also made multiple attempts to charge an FSA card after being told it would not work by the FSA company. He then tried to charge my bank account for {$2600.00} without my knowledge or consent. He also sent a text to my cell phone from his personal cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted Kohls requesting validation for an account that is being reported negatively on my credit report. I received a letter from Credit Control in which is the collection agency that purchased the account from Kohls. However, the account is still being reported by Kohls. I have yet to receive validation bearing my signature from either company. They have also failed to respond to any correspondence. I am demanding for this account to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have contacted Capital One in regards to an account that was sold to XXXX XXXX XXXX. They claim I owe {$1300.00} in which is reported negatively. They have yet to provide me with validation bearing my signature. I am requesting for this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My credit card statement does not show cash rewards that I receive for shopping at the grocery store. I did file a dispute with my credit card company. XX/XX/2019. I contacted cutomer service and was told that I had to wait thirty days until the next statement before my cash rewards would appear on my statement. Thus I was told on XX/XX/XXXX that I had to wait until my statement close to see my cash rewards on my account which was XX/XX/XXXX, each time that I contact customer service I am told I have to wait another thirty days or until my statement close date. The next statement close date is appromatiely XX/XX/2019 and I will have waited sixty days for my cash rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: PASCO, Inc
State: TX

Complaint narrative:
There is no balance with XXXX. When collector called they were threatening and would not stop calling to collect money I did not owe. No matter how many times I explained there was no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: KS

Complaint narrative:
Debt collection letter from ERC, XXXX XXXX XXXX, XXXX, FL stating amounts owed from XXXX XXXX XXXX service. I canceled my service with XXXX XXXX XXXX over a year ago and paid total balance due at the time of equipment return. I have notified ERC that I paid the total balance due at the time of equipment return and sent them billing statements and receipts to show that the account had XXXX balance. Yet they continue to send letters stating {$150.00} is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, I hope everything is well with you. 

The first week of XX/XX/XXXX, I had gotten in touch with Fifth Third Bank, I updated with them my bank accounts to make payments and had set up the Automatic Payment option. 
After hanging up the call I never worried about the account again, assuming everything was in order. 

This XX/XX/XXXX I checked my credit scores and came to find out that I had 3 missed payments! I couldn't believe it, I thought everything was alright. 

I had never received an email, text message or even a statement in the mail letting me know that this account was defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
My mortgage company M & T Bank has refused payments they ran check through my bank account XXXX causing NSF, for payment on XX/XX/XXXX then I made payment the check for {$1200.00} came back but money still in my account I did another check for the XX/XX/XXXX and they rejected the payment causing me to go 4 months past due on my mortgage they have not offered any help or assistance to me at all I need help then they told me I ha e ro do two payments at same time which caused to me default because they stoped accepting payments when I was only two payments behind. 
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