vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 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: FL

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: NV

Complaint narrative:
Back in early 2017, XXXX stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished Lexis Nexis,  XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 explanation
Consumer complaint received 2018-12-14 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This CFPB dispute should be considered in addition to CFPB reports XXXX and XXXX, which were issued to Chase Bank and XXXX  Respectively. 

Since those disputes were filed on XX/XX/2018, my dispute directly with XXXX  has already been closed. See XXXX Report # XXXX, which I '' ve attached to this CFPB dispute, in which I'm told that my report has been " updated ''. The only " Update '' from before/after this dispute was submitted yesterday was that this month posted to the Chase Account in question as " current '', but the late payment in question from the month of XXXX remains completed unchanged. There was positively no information backing up the late payment status, and thus the dispute did not offer me any information or proof regarding the original intention of the dispute : to clear the late payment. I searched the report for any proof of wrongdoing and/or proof of not paying the account as agreed, and this was not provided to me. I request that this proof of wrongdoing is provided tio me within 30 days of the original dispute date ( Yesterday, XX/XX/2018 ), or else the dispute shall be resolved in my favor persuant to the Fair Credit Reporting Act, such that the accout in question is updated in the month of XX/XX/2018 from " 30-60 days late '' to " current ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I have disputed this account many times with no success. 
I sent XXXX letters on XX/XX/2018 I received a letter in the mail on XX/XX/2018 with a copy of a $ XXXX bill ( hippa violation? ) and absolutely nothing of VALIDATION. 
It is not validated and i can not get the company to properly validate? I expect the agency to follow federal law on debt verification and validation. WITHOUT SIGNATURE i am not going to be held responsible for a debt included in my identity theft report Without receiving proof that this debt was signed for and authorized by me than it needs to be removed, i have been a victim of identity theft and another person is being investigated for making charges in my name, if this is one of those cases, which it is and i am also proving by showing that the addresses on the bill do not match mine. 

I have attached my identity theft report with the Federal Trade Commission and will seek further action if necessary to remedy myself of this situation.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
My escrowed closed on or about XX/XX/2018. The lender and escrow company had misleading and deceptive business practices. I am requesting assistance to recover the excessive costs and fees that paid. I feel that I was discriminated against because of gender and color I paid to many high fees that I feel I would not have been charged if I was not a woman of color.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX  , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,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 explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Back in XX/XX/2018 my checking account was hacked which resulted in me missing a couple payments. When I got a new checking account number I tried to explain it to the company but they told me that they could not help me unless I paid the entire past due balance or paid the entire loan amount. Of course that was not possible. Now my friends, family, and old job sites are getting phone calls looking for me and threatening to garnish my wages. They called someone today, XX/XX/18, and told them they were going to garnish my wages if I didnt call back. They also stated that they sent numerous letters and made several phone call attempts to me without success. Unfortunately this is not true. I have never received a call from this company nor have I ever received mail from them. 

I need assistance to get them to stop calling people I know and my previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express allowed my personal account be taken over and changed to a business account. I was a victim of fraud. American Express allowed the Fraudster to make unapproved cash transfers from my personal bank account that was linked to this American Express account. When I called American Express fraud line I was treated like I committed a crime. The bank transfers were done by phone calls from the fraudster to American Express customer service. They listen to the recorded lines and I was told the foreign voice did not match mine. A total of {$8000.00} was taken. I have yet to see resolution or return monies. My account was hacked for over $ XXXX from XXXX. I have never left the country. Most of charges have been removed and this took months as my account was frozen. I complaint to the CEO office for help. I never relieved any answers on how and why this happened. I have called several times and American Express has not be able to settle or help. I have made police reports and submitted all documents requested by American Express. My account is now with a collection agency. The fraud started on XX/XX/2017. This issue has been over a year and no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a joint account with my husband. We noticed that over a period of time, the funds in our account kept being withdrawn and neither of us or anyone authorized by us, completed these transactions. 
I contacted my bank who, after their investigation, concluded that the disputed transactions were valid and remain on the account. The transactions amount to over {$600.00} and were all ATM withdrawals. We did not make these withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I made a payment to my outstanding medical bill at the Hospital in the amount of {$800.00} on an outstanding balance of XXXX. I contacted the billing department to confirm that a prior payment of {$700.00} on my FSA account had processed because I had found a notice that it had not. The billing dept had confirmed that it posted but there was still an outstanding of {$1600.00}. I informed them that I had made an {$800.00} payment earlier that day. They said that they would likely not see it post until XX/XX/XXXX. I inquired about making payments on the remainder and was transferred to a different individual. When I requested a repayment plan she informed me that the account had been turned over to collection and that they would set-up a repayment plan. I informed her that was not something I would want to do and that I would pay the entire amount. She asked if she would like me to be transferred to their payment department which I agreed to and she did. I paid the remaining amount of {$860.00} to the hospital cashier over the phone to clear the balance. I asked the person in the billing department that had transferred me to the hospital cashier concerning the collection status and how that would be addressed since payment would be made in full. She indicated that there would be a report from the Hospital to the collection agency that the balance was paid in full to the hospital as XX/XX/XXXX or XX/XX/XXXX. Today XX/XX/XXXX, I received a form letter dated XX/XX/XXXX from the collection agency demanding payment or further actions would ensue. I have attempted to contact the number provided by the agency several times during their stated business hours. I get a recording that all reps are engaged and that I am being placed in a call queue and then disconnected. My contention is that AR should know or that it is their responsibility to know that no such debt exists. I want to make sure that they can be stopped from reporting anything to a credit bureau on an amount that does not exist. My current score is greater than 800

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The lender and escrow company had misleading and deceptive business practices. I have been I have been struggling to pay my mortgage since XX/XX/2018, Guild sold my loan to XXXX because they knew they put me into a bad loan. I was discriminated against because of gender and color I paid too many high fees that I feel I would not have been charged if I was not a woman of color.

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 2018-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK
State: TN

Complaint narrative:
I had looked into applying for a consolidation loan from several other lenders, but always stopped short of filling out an application. I would always consult with the lenders first and ask if they looked at individual income or household income when determining my qualifications for the consolidation loan. Of the half a dozen or so other lenders I have previously spoken with they were all very clear that their income qualifications were based around individual income and not household income. After speaking with this company in question, however, I was told that they look at household income and not just individual income. So I went through the lengthy application process only to be denied after several weeks of review. When I asked for clarification, they said that I was denied based on my income. The person that I spoke to this time around apologized and stated clearly that they do not factor in household income, but they only look at individual income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I got divorced and in the div agreement my ex wife was supposed to give me a quit claim deed signed and notarized so i can keep the home and the children in it. I had the modification completed except for the quit claim deed and the bank terminated the mod because i couldnt get my ex to agree to give me the deed. Even after they approved the mod and i paid the 3 months mortgage to complete the mod. I took her to court to make her sign it but the bank didnt care and expired my mod. So while i had her in court i reapplied for the mod and sent in an updated package. That mod expired again because she wouldnt sign the deed. I than applied for a 3rd mod and this time i had the quit claim deed signed and a completed mod package that underwriting had in there possesion. We were waiting for them to approve mod but while underwriting had mod they never cancelled sale date and thats when the house went up for auction and the bank took back ownership. We now must leave. Freedom mortgage is the reason i lost my home. They were suppose to cancel the sale date once they had the complete package. What can i do to get my home back from a bank that treated me poorly and unfair?

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 2018-12-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Allegedly, my account ending with XXXX ( Business Gold Rewards Card ) was SHUT DOWN for not complying with the offer terms. 

1.Here is the shocker : there were no offers or promotional terms attached to this account as this has been verified by several account managers. Moreover, the account was not actively linked to any other cards at that time. So the linkage and pattern theory is flawed as explained by reps. 

2. American Express has one of the strictest policies for sign-up bonuses that cap one per card per lifetime. I have already received the sign up bonus in the past for this product and this offer would not have been added as you insinuated. Your reasoning in this case is illogical and flawed, too. I strongly suggest that you get familiar with your policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have tried mail and phone to verify this account from XX/XX/XXXX to current. XXXX XXXX does not have posted an actual working phone and mail was returned as well. I have disputed this via XXXX only for someone to update that date at said time. How can they be working in fair business fashion if not allowing debit to be verified and corrected? I feel as if this could be a fraudulent company. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX  Original Amount Owed {$140.00} Creditor Classification Medical or Health Care Amount {$140.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Rushmore Mortgage continuously asks me to provide proof of flood insurance. I have multiple months of letters requesting insurance. Each time I receive one I call and give them the insurance info.Then it is quiet a month or two then they start again. If I could refinance with another company at the same interest, I would. I am trapped with them. 

As of XX/XX/XXXX, they purchased flood insurance on my behalf. My flood insurance is paid through my HOA. The insurance company sends out any requests for info promptly as evidenced by my second mortgage not engaging in these extortive practices. 

Rushmore agents are polite yet totally impotent to help in any way other than to say they will pass it on to their team.

Company response to consumer: Closed with explanation