vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello CFPB. I am writing in regards to follow up case # XXXX. I would like for Equifax to remove the {$230.00} collections from my credit file/report, as my original complaint requested because it does not belong to me. Also, It has been well over 40 days and Equifax still has not provided me with a status update of my complaint. I had reported that I had a fraud alert on my accountt due to identity theft and that the collections of {$230.00} is not mine ; and it's the only collections on my report. Also, CFPB reported to me, by email that Equifax could not verify the account because it is a third party ; which I had also stated in my original complaint and that I have never had any dealings or accounts with that third party. They should not have been able to collect my personal information on my credit file from Equifax because of a fraud alert that I have on my report and Equifax still allowed that third party to inquire my account. Therefore, in addition to the above statements, they also broke the guidelines of the fraud alert/security freeze. Again, I would like for Equifax to remove the collections of {$230.00} from my credit file/report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 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: DISCOVER BANK
State: KY

Complaint narrative:
I had an excellent payment history with Discover card, and in XX/XX/XXXX they raised my limit from {$2500.00} to {$2800.00}. Just 3 weeks later they closed my account simply because a med-ical bill appeared in the collections category.on my credit report. They never gave me a chance to prove that this bill was paid. This ridiculous arbitrary decision by Discover card was totally uncalled for, and they have substantially damaged my credit in the process. I believe Discover card owes me substantial damages for their actions, and any credit card company that does business this way should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: MD

Complaint narrative:
I pulled my credit report and saw that a company was trying to collect on a debt that does not belong to me. I contacted the company several times and nobody got back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have requested that Equifax ( EQ ) update the bankruptcy reporting file date in my credit file. I have submitted documentation supporting the inaccuracy. Equifax is reporting a incorrect file date for the case number XXXX. Equifax replied that I am a credit repair company, due the verbiage use in my complaint. I am enclosing a copy of my XXXX that verifies my name. The XXXX proves a level of competency. XX/XX/XXXX, EQ stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. EQ states that the public record information obtain was from a third party vendor XXXX ( XXXX ). EQ states that if I have any additional further questions contact US Bankruptcy Court. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EQ filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EQ continues to report XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EQ continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account wil be in the file for 7 years I am requesting that EQ   permanently report my correct file date as confirmed by XXXX. 
I am requesting EQ method of verification. 
I am requesting EQ update XXXX XXXX account and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
TransUnion continues to report incorrect balance for a XXXX XXXX Card account in the amount of {$190.00} since XX/XX/2018. This balance should be XXXX DOLLARS and I have been unable to get it corrected through the direct dispute process. XXXX  shows the correct balance which you may use to compare reports with. Thank you for your 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 2018-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been disputing also with JPM Chase via the 3 major credit bureaus for the past few months and they have refused to provide what has been requested during this process : an original instrument of indebtedness -- bearing my actual signature -- verifying the validity of the account. They have refused to provide this original consumer contract for MONTHS and the bureaus have been complicit. ( I submitted a complaint on all three of them as well. ) Under the FCRA, a company MUST provide to the consumer what has been requested. Further, never is a company to just STATE that an account is " verified '', " accurate '', and " valid '' without actually proving these to be so. I am outraged that in 7 months, I have not received what I requested. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been TRULY, PROPERLY verified & validated. I DEMAND that JPM Chase provide an original consumer contract / original instrument of indebtedness in its original form ; if they do not, then I demand that this account be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have requested that Experian ( EX ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. EX is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, EX stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to EX. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EX filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EX continues to report XXXX/XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EX continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years I am requesting that EX permanently report my correct file date as confirmed by XXXX. 
I am requesting EX method of verification. 
I am requesting EX update XXXX XXXX account and XXXX account.

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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
XXXX XXXX calls me several times a day trying to collect a debt they said I owed from XXXX XXXX in XX/XX/XXXX. Ive never banked with XXXX XXXX in my life. They have called my wife, mother and me repeatedly and threatened me with a court summons. I have told them that they are mistaken and I asked for proof of the debt to be mailed to me. They refused and insisted I pay them. Most recently, they threatened to continue calling me all hours of the night unless I pay them. They call from numbers all over the country.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX case Number XXXX, the honorable Judge XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Plaintiff Vs : Defendants : Experian XXXX XXXX I have tirelessly tried to reason with all three credit bureaus to no avail. I must now resort to suing them. 

Please See attached for full summons and complaint as well as leading ( not exhaustive ) supporting documents and arguments.

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 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I had already disputed these accounts with all three Credit bureaus and with state these accounts that are on my credit report are accounts that are still pending with XXXX XXXX. insurance they are not supposed to be in collections I have tried to explain this to them and they just ignore it what they did they took it from a charge off-collection status on my XXXX and made it a closed account but left it in collections then on my XXXX   and my XXXX reports there still in charge -off account status they didnt send me any notification that they were going to be putting these accounts on my credit file didnt give me any notifications so that I could dispute the charges with them at all some of these accounts theyre taking one account and breaking it down bill by Bill to make it seem like more account, the account for the XX/XX/XXXX bill thats one account it should not be two separate accounts that was one bill for one service but state took it and broke it down there now Its two collections on my credit report instead of one there are Multiple bills like that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the referenced accounts in XX/XX/XXXX. The Experian credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Experian had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Experian did receive. Experian removed XXXX XXXX and XXXX XXXX from my Experian credit report. I have included a copy of my Experian Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX  XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated Experian showing the removal in 30 days per law.

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 2018-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: NM

Complaint narrative:
File number XXXX. This company has been contacted, and cooperated with law enforcement concerning this load that originated as a result of identity theft. This company has had correspondence with me regarding this, but have asked specifically for a police report, which is not supplied in the case of identity theft such as this. Law enforcement explained this to them while serving subpoenas to them. They still placed this debt on my credit report fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the referenced accounts in XX/XX/XXXX. The TransUnion credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that TransUnion had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which TransUnion did receive. TransUnion removed XXXX XXXX and XXXX XXXX from my TransUnion credit report. I have included a copy of my TransUnion Credit report from XX/XX/XXXX showing that both XXXX XXXX  and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated TransUnion showing the removal in 30 days per law.

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 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NV

Complaint narrative:
I canceled one out of the two pet insurance policies I have with pets best on XX/XX/2018. I was told I would be getting a refund for the canceled policy. The amount I was told would be refunded back to me was XXXX. Weeks go by and finally I see a refund of XXXX out of the XXXX. I called pets best on XX/XX/2018 and was given the run around. I finally called Us Bank on XX/XX/2018 and was told due to a fraudulent charge on my credit card the fraud department blocked the refund so it didn't go through and I never received it. US bank never told me nor was I ever notified about the refund being blocked and not going through. The customer service representative was rude and unhelpful and did nothing to help the situation and she told me I can't dispute the transaction and need to contact the merchant.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried several times to upload documents via https : //www.experian.com/XXXX but i keep getting the same error message stating it can not upload. I am trying to upload the written request and proof of ID to remove the fraud alert from credit file. I have been denied numerous credit applications because creditors can not verify my identity. I have submitted requests prior to remove the fraud alert but it still exists.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX  for years. It had a zero balance for a few years until XX/XX/2018. I purchased two pairs of shoes and they raised my credit limit to {$4500.00} from {$1500.00}. They had changed my account number due to a fraud alert a while back, I never received my new card. I called XXXX  in XX/XX/XXXX to get the correct account number because I could not find my card and they told me the could not give it to me over the phone. I requested a new card to be sent to me. I also gave them my new mailing address to send the card and I never received it. 
I made my first payment via phone on XX/XX/2018 was for {$500.00}. I had to call in the payment because I did not have the correct account number to pay via my bank. Then I was at XXXX in XXXX XXXX at the XXXX store in XX/XX/XXXX. I purchased another pair of shoes and asked the associate to write down my account number because I still didn't have my new card. He did and I added it to my bill pay via XXXX. I sent a payment through the bank on XX/XX/2018 for {$1500.00}. Then about a month later I got a 31 point hit on my credit report because I was late on my XXXX XXXX payment. I looked at my bank and it said the check was processed for {$1500.00} and they gave me the check confirmation number but it had not been cashed. At this point I called XXXX  and they said I was 31 days late and they didn't receive the payment. I read them my account number the associate in XXXX wrote down for me and they said it was incorrect, I again asked fro a new card, told them I never got the last XXXX I requested. I made sure they had my correct address again and I still have yet to receive it on XX/XX/2018. I told them I had the check confirmation number that XXXX sent to them to prove I made or attempted to make a payment. They said they can send it to disputes to see if they will remove the credit hit and they denied me the credit fix. I have had to call every month to make a payment. I have now spoken to a person via phone twice to request a new card and haven't received it. I made another payment on XX/XX/2018 and XX/XX/2018. 
I make my payments on time and I have tried to resolve this issue by requesting a new card twice so I can get the correct account number. I have asked the sales associate to write my number down and it was wrong. I called and explained what happened, I had proof from my bank I attempted to make a large payment to them. My credit was excellent and the hit took me to a good rating. 
I am hoping that XXXX  will look back at my payment history and all that I have done as the consumer to get the proper account number and to make sure my bill is paid and fix my credit issue. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AP

Complaint narrative:
I received notification on my credit report that I had a collections account. I submitted a dispute through XXXX, and XXXX and results came back that the collections agency stated the debt was accurate. Company name is XXXX XXXX XXXX XXXX from my credit report, date opened XX/XX/2017. They are stating amount owed is {$1500.00} past due, Term 1 month. I have disputed this account again, notifying them that I have no knowledge of this account, nor did I receive services from XXXX XXXX XXXX TX XXXX which is the name of the company that is listed on my credit report. I asked them to verify the information and they have not properly verified. I was not notified in writing of this account. Requesting your assistance to have this removed from 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 explanation