vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Discussion with Chase : On XX/XX/XXXX, I called Chase Credit Card at XXXX XXXX and explained why I'm disputing the credit card charged on my credit card. I believe I explained to Chase in detail the nature of my complaint, and the individual I talked to told me to have my complaint/dispute in writing, so therefore, Chase will send me the form and instructions on what type ( s ) of documents I need to submit to process the claim. 

On XX/XX/XXXX, I did received the form and on XX/XX/XXXX, I faxed the form and supporting documents. 

On XX/XX/XXXX, I called Chase and ask to find out if may documents where received. The Chase employee I talked to ( XXXX ) told me that based on my claim, they can't contact the merchant and Chase will not pursue any action ; therefore, closing my complaint/dispute. I asked to talk to the Supervisor ( XXXX ) and I was told the same information. 

I told them that it was very frustrating that I wasted my time waiting, completing the form and sending required documents, as well as making copies and faxing back to Chase at the 888 number provided. 

Nature of my Complaint/Dispute : On XX/XX/XXXX, I rented a van through XXXX XXXX but doing business under XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, HI XXXX. When I picked up the van the gas was almost empty ( 1/4 ). Usually, when you rent a car, the gas is full. Initially, I demanded that they put a full tank of gas since it is very difficult calculate the exact amount of gas at 1/4 when you return. The agent at the rental place indicated that either I take the van or not since they are very busy and has no time to put gas. Later he compromised and said that is I return the rental with more than 1/4 of gas, I will be given a refund. Obviously, this was all verbal, as I can't commit him to put his statement in writing. The van was returned after hours with 3/4 gas, so I called the next day ( XXXX XXXX ) and left a message but never returned my call. Called the next day, but again, never returned my call. 

On XX/XX/XXXX, I called airport location ( XXXX XXXX ) and told to contact the manager ( XXXX ) at XXXX XXXX. Left messages but may calls were never returned. 

With no other recourse, I called Chase to complain/dispute the credit card charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NC

Complaint narrative:
I submitted a method of verification on 5 different occasions XX/XX/19,  XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 to resolve the inaccurate bankruptcy being reported on my credit report. I have contacted the bankruptcy court, XXXX XXXX and all parties have validated that the information is incorrect and not valid. I have submitted copies of these document several times and Experian continues to say they are validating the information from the exact source that provided me a letter that stated it is inaccurate. I was a victim of identity theft and I have provided that information as well. No method of verification has been provided to me on how the information Is validated even after several requests. Yet the information continues to be on my credit report

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 2019-08-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Hello, Back in early XX/XX/2015 I had a bank account with XXXX XXXX  XXXX. I was asked by someone i knew to deposit into my account via ATM a money order for {$200.00} and give them the cash. Unfortunately, i did. I thought because it was a legal looking money order that all was fine. I deposited it, gave her the cash and have found out that it was no good and she scammed me. Not only me, but 3-5 other people and she was caught/arrested. I currently though have a fraud activity on ChexSystems and its causing me major problems. Can you advise or help me on how to get this off my report? I am a victim of trusting someone and am really devastated that this is making ME look like the criminal. Please Help..TY

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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have filed disputes with transunion, XXXX and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call XXXX explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at XXXX explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.

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 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
Had some things sit up on auto pay such as car payment, life insurane, phone bill etc.This was in XX/XX/2016 car payment XXXX, car insurance XXXX, phone bill XXXX something don't no about life insurance asked the XXXX XXXX branch for that information because that card had got canceled and was told some checks had come back and I no that shouldn't happened cause it was money to cover it so what's really going on .I need some information on paper to support what's being told 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 monetary relief
Consumer complaint received 2019-08-21 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: Titan Receivables, Inc.
State: CA

Complaint narrative:
My credit report shows that there is an amount of {$3000.00} in collections from Titan Receivables original creditor XXXX XXXX XXXX on my credit report it states it was opened XX/XX/XXXX. That information is incorrect. On my credit report it doesn't show what the account or file number is. 

The account number I have is XXXX and that account was opened XX/XX/XXXX NOT XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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:
The credit bureaus are reporting information on my credit file that is due to my identity theft case.

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 2019-08-21 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: FL

Complaint narrative:
I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - 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 explanation
Consumer complaint received 2019-08-21 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:
The credit bureaus are reporting information on my credit file that is due to my identity theft case.

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 2019-08-21 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: CA

Complaint narrative:
The credit bureaus are reporting information on my credit file that is due to my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have received calls from IQ DATA INTERNATIONAL regarding cleaning charges for the appartment I used to rent .. I had no communication from appartment complex management company regarding these charges .. The Agent from IQ DATA International called me and told me that I owe XXXX dollars plus interest. It was a surprise to me and I respectfully ask them that I dont owe those charges and there was no communication from the appartment management company. He told me he has my file and proceed to tell me my date of birth. He threatened me if I dont pay he will report these charges to credit monitoring and will ruin my credit and I will never get another appartment. I was a work and I told him I can not stay on the phone with you he keep insisting it wont take long. I said send me email of charges so I can verify the said charges. I said I will like to dispute and ask for my email address so he can send me receipt if I make payement today .. he repeatedly called me 2 times after I told him I am at work .. 
number he called me from was XXXX XXXX .. he called me at XXXX XXXX XXXX XXXX on XX/XX/2019 He was very hostile and keep threatening me that my credit will be ruined

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed disputes with transunion, experian and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call experian explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at experian explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.

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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I unfroze my credit with Transunion and XXXX. XXXX was unfrozen within 15 min. Transunion still is blocking all lenders from my report 6 days later. Called on the XX/XX/XXXX was told it was unfrozen, lenders still blocked. Mon XX/XX/XXXX I called and spoke to 14 different people telling me it is not frozen. One agent told me there was a technical issue and would be fixed by end of the day. Lenders are still blocked. I called again today theXX/XX/XXXX agent says will be unfrozen within minutes. Lenders are still blocked. No one will help me or let me talk to a supervisor or someone that can help me. You can not live a normal life in America with frozen credit! My car died and I have been trying to get my credit pulled from transunion 6 days now and all they tell me is that it is unfrozen and will not do anything to solve the issue. I am in panic mode right now and mentally can not handle talking to another 20 people there. XXXX was unfrozen within minutes and transunion refuses to help no matter what dept I get.

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 2019-08-21 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: NY

Complaint narrative:
Good Day, I am having difficulty and been denied federal student loan relief under the IDR and PSLF programs, and have met the program requirements. I have paid my loan for over twelve years, and was advise to submit a complaint to the Consumer Financial Protection Bureau. I've also worked for the same eligible institution, under the PSLF, since XX/XX/2007. I need assistance, in my loans cancellations, as what was described in the terms of the PSLF terms and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - 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 explanation
Consumer complaint received 2019-08-21 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: WA

Complaint narrative:
Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX and XXXX. ( Please see page 8 of the attached credit report. ) These medical collection were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX   have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a victim of identity fraud since 2017. Bank of America has charged my credit and debit card for charges not made by me. There are late charges added and it is hurting my credit.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I get repeated calls from portfolio recovery for an electric bill ( XXXX XXXX i guess but I am unable to get an account # ) utility bill that I had that is from well over 10 yrs old ( XXXX ). They call over and over all day long I block the number they call from a different one. And the send me mail all the time. It just will not stop. 

They also keep calling a XXXX XXXX account from ( XXXX ) Both of these accounts were from a prior marriage and when we separated I left the home and left the electric on and cut my card up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CO

Complaint narrative:
On XX/XX/2019 I checked my credit report. I found incorrect information on Equifax. The report stated that a collection agency, XXXX XXXX XXXX XXXX, was attempting to collect {$120.00} for a bill from XXXX for XXXX XXXX provided by XXXX XXXX XXXX. I contacted new west physicians and they informed me that the person that owed them money had a different middle initial and lived at a different address. I then went through the formal dispute process that Equifax has. Today, XX/XX/2019 Equifax notified me that they verified that this item belongs to me. 
I have never received any billing for this {$120.00} from XXXX XXXX XXXX and I have never been contacted by XXXX XXXX XXXX XXXX. 
Today I contacted XXXX XXXX XXXX XXXX. They agree it is not me and are trying to fix this from their end. 
Equifax did not perform any due diligence to determine in their dispute process. I would like to formally complain about the way Equifax handled my dispute of their incorrect records. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/2017 my data was breached and the last two years have been terrible. Now Bank of America has charged My accounts for fraud charges and added countless fees. My credit and financial security are being affected

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 2019-08-21 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: WA

Complaint narrative:
Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see page 14 of the attached credit report. ) These XXXX XXXX were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I have contacted Cedars Business Services in XXXX, CA and asked them to cease and desist all communication about 30 days ago. They continue to send letters demanding payment for debt I have disputed.

Company response to consumer: Closed with explanation