vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: NJ

Complaint narrative:
ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO TRANSUNION, XXXX AND XXXX AND the scope of the dispute outlined on a XXXX WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX BANK Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED

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 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
In XXXX, I received a call from an unknown collection agency stating they were a collector for AAFES/XXXX XXXX. I was unclear who they were as I never received a correspondence from them nor AAFES about any debt. The representative on the phone had a very intimidating and condescending tone and threatened to garnish my wages if I did not make a payment that moment - insisting they have permission to collect payments even if it was an over payment. It was my responsibility to call them for a refund. 

My next pay check amount was nearly 100 % garnished. I had still never received any written correspondence from either the collection company or AAFES. I also did not receive a pay amount or any correspondence sent to my home. 

Letters were sent to my chain of command multiple times - that I did not even receive until after the payments were garnished from my paycheck. This means my whole entire command knew of a debt before I knew and BEFORE I could even verify it was valid. I was verbally accused I was not managing my finances from my superior after the letter was handed to me. 

Even while the payments were being garnished, I received a minimum of 10 calls per day until I was afraid to answer calls from an unknown number. I was also afraid to make any necessary purchases - not knowing how much money would be in my paycheck even if the alleged debt was paid. As it was stated before, it was my responsibility to wait for the collector to call me back and request a refund, then wait for a check to be sent to me. 

Additionally, my recent knowledge AAFES ' class action lawsuit in XXXX, gave me the courage to speak up about the injustice I faced as a military service member. I believe I was subjected to illegal collection practices from AAFES 's use of administrative offset - a procedure whereby federal payments, such as social security, veterans ' benefits, and tax refunds are withheld to collect debt.

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I charged purchased with my Walmart card on line and in store back in XX/XX/XXXX I returned everything on beginning of XX/XX/XXXX today I received my billing statement I see that there is over {$60.00} balance I look at my statement I see no return of {$29.00} {$150.00} on my account and that was month ago I dont understand why I ecumulate balance when I had a zero balance before make a purchase and after I returned everything doesnt make any sense other than this is a new fraud way fior banks credit cards to make extra money and they know most customers either dont have the time or dont pay attention or just to scared of if they fight it the credit card company will reack their credit file so they just pay it. 
But I am different and when I see wrong doing I will go after them and wont allow them to cheat 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 explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a statement from Chase on XX/XX/19 regarding an Act ending XXXX Balance : {$5600.00} Creditor : JPMorgan Chase Bank, N.A. 

The letter states that Action Needed : Please pay your student loan balance in full. 
The letter is addressed in my previous married last name XXXX. 
It says they haven't received the balance owed on my student loan and that I have defaulted on my loan, and must pay the full balance. 
I have not received a statement from Chase in over 12 years. Chase sold my loan to XXXX ( also stated on their website, that all student loans were transferred to XXXX ). I have an active account with XXXX, that I have been paying on. 
Nowhere on any credit report does it show a Chase student loan. This is the first and only notice I have received from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NH

Complaint narrative:
Repeated incorrect accounts are added to my credit report by Experian. The information is placed on my report due to a consistent error with my SS # which causes accounts not associated with me to be added to my report. I have reported this several times and have an active dispute with Experian but the problem continues.

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 2019-02-09 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: NY

Complaint narrative:
At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue

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 2019-02-09 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: NJ

Complaint narrative:
ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, EQUIFAX AND XXXX AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX/MODE Account # XXXX PO BOX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NJ

Complaint narrative:
ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, XXXX AND EXPERIAN AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED

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 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: NY

Complaint narrative:
At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue

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 2019-02-09 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:
Equifax is reporting a negative account ( # XXXX, {$7600.00}, XXXX XXXX XXXX XXXX ) on my Equifax credit file as a " Charge off, '' when in fact the account is a civil judgment ( see attached court document proving this account is a civil judgment ) that does not contain the proper identifying information. This account is being falsely and inaccurately reported as a charge off. This is a civil judgment and not a charge off. It does not contain my social security number, my address or my date of birth. I have disputed this account with Equifax several times and each time Equifax responds with a notice that the account was verified by Equifax. ( See attached response from Equifax, page 3 ) Equifax provided no documented proof that it should have requested and received from the creditor as a part of its investigation. Equifax has no documented proof that this account is not a civil judgment and it Equifax has not conducted a proper investigation of my disputes according to the law. This account is not being reported by the other two credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Co. has filed three collections accounts ( {$2400.00}, {$1800.00}, and {$1600.00} ) to the major credit bureaus against me. However, they have not contacted me in any way either by phone or mail. I attempted to contact them, but they have provided no verification of these alleged debts. They credit bureau filings occurred in XX/XX/2018. They have had plenty of time to provide verification of these alleged debts and continue to fail to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
This is a XXXX XXXX credit card service provider. XXXX XXXX and XXXX XXXX XXXX XXXX both promote 0 % interest for 12 months on purchases over a certain amount. I qualified for this 12 percent interest. The only reason I applied for the credit card was because of the 0 % interest for 12 months but somehow I am still being charged the highest interest rate at 26.99 %. I called customer service for both XXXX and XXXX and could not get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Hi, I am struggling very badly since I have lost my jobs in XX/XX/XXXX. But I never give up, I start driving XXXX, XXXX actively interviewing for jobs. But after a while rejection after rejection, I get mentally tired of it. 

I reached out to my Mortgage company RoundPoint Mortgage ( https : //www.rpmservicing.com ), and inform them of my hardship situation. They have adviced me to fill out a form and send them all of my earning statement, history struggling to be considered. After reviewing my case, one of the Agent called me and said to stop my mortgage payment from XX/XX/XXXX - XX/XX/XXXX. After that period the mortgage company will decide what I have to do. They also mention me to agree and sign a paper, so after 6 months, I have to pay back all the due payments including late fees and surcharge. 

I have tried to ask the agent how it will help me then. She said to get approved this is the only offer they can offer me now. 

So I didn't agree with that to sign. 

I have XXXXyrs old baby, and also we are expecting another in a few months. My wife was helping me on the mortgage, other bills, and home expenses. But on XXXX she also gets laid off from work because she is pregnant. 

We both were working hard and doing good in our career. Now with all the situation, I am straggling so hard. 

Please help with guidance, how can I save my home and lower my mortgage payments. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pacific Collections
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX gave me medication I was allergic to, which had me end up in their office that night and they claim to charge me {$71.00} for that expense. When they had told me that it was their fault and I wasnt going to be charged. This happened in 2017. It got reported to my credit today and it knocked down 40 points on my credit. This is completely uncalled for. 

XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit monitoring reporting bureous transunion, XXXX, XXXX must be removed and replaced by new credit bureous that can protect the consumer rights and provide the true information as needed. transunion, XXXX, XXXX collect any reported information ( some of them are incorrect information ) and impact the credit scores. They can make the poor score to excellent score or they can make the excellent score to poor score without a true base. Within the current financial system this actions play a big role for a hourly working personal and can impact the Financial status. We have to immediately terminate transunion, XXXX, XXXX to stop them to violate human, financial and economic rights. 
We truly need a new modern bureous that can monitor and report the information based an reality, contracts, fairness, responsibilities.

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is my third complaint to the CFPB about my Citi Prestige card. In addition to my previous complaints, my card was cut off for " fraud '' reasons today. While it is noble to combat fraud, I was given no indication that this was the reason the card was declined. Instead, I had to call to ask why my card didn't work and answer a number of prompts with a fraud robot, then I was allowed to go through their automated system which makes it incredibly difficult to get to a human, enter all my information again, then got to the agent and she didn't have any of my information, so I had to provide it again. A complete waste of time. Now, I don't even know when I can and can not use my card. The woman I spoke with made it seem like it's some mysterious " system '' that decides when your card gets cut. Not a thing a person could do she claimed, even though this " system '' was created by humans and can be fixed so it functions properly like at other banks. And I was provided no notification there were fraud concerns until I called. She claims they come - eventually. I haven't received one as of the writing of this message. So they are so concerned about their customer experiencing fraud that they cut off their credit cards but don't tell them? What if this was a person 's only form of payment? Now I have no idea when my card will work and customer service couldn't provide any guidance on this mysterious " system '' that cuts off your card when you go to pay a phone bill. As I've said in my previous complaints, this card is marketed as " premium '' but it is trash. You can't even easily access a competent customer service agent - XXXX today told me that my annual fee wouldn't be billed for a year. I had to correct him that it would be billed next month, then wait on hold while he verified I was correct. You have a unit dedicated to this premium card and they don't event know when the annual fee is due? It's a joke.

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 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovis
State: OH

Complaint narrative:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name 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 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX

Company response to consumer: Closed with explanation