vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
IHi my name is XXXX XXXX and this is the third time that DIVERSIFIED CONSULTANTS has ruined my credit report by reporting fraudulent balances that are not mine nor did I authorize I have told this company several times and provided them with a police report amongst other documentation but they continue to report fraudulently to credit bureaus. They are now reporting to XXXX XXXX  and XXXX I want this removed off my credit report at once as it does not belong to me and is fraud. I am a victim of identity theft and this whole thing is causing a tremendous amount of stress on me as I am XXXX. Please make these people remove this fraudulent charge and stop them from harassing me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
LISTING : XXXX XXXX XXXX $ 600- {$670.00} BILL ( amount changes ) - more recently the amount was below {$200.00} Dear sir or ma'am, I have a balance billed XXXX XXXX  that was paid by insurance and verified multiple times through uploading my medical records, that is still on my Experian report and still ruining my credit.

I've provided a plethora of information uploaded including insurance documents.

It is only on Experian, and that is because the other two bureau 's are handling my personal information correctly.

Experian, you need to handle this and look after the consumer. I pay you. for your services and you won't budge on this. I submitted a receipt of the insurance benefits where it was paid! I have sent you enough documentation that it is borderline outrageous.

This debt was reduced in Experian to under 200 dollars, which I have proof of attached. It is back at XXXX now. Clear proof that neither the CA or collection agency knows what to do with a collections that is moot and ruining my credit.

Now I have visual proof of the amount changing, This is being reported incorrectly, immediately delete this from my credit report and stop damaging my credit.

This is causing other hardships as well,. You're prompt attention and detail to this is appreciated.

Please delete the information as quickly as possible.

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 2018-05-01 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:
Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
I paid off the account on XXXX. On XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment until XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXXits still reflecting as open and unpaid.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid off the account on XX/XX/XXXX OnXX/XX/XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment untilXX/XX/XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXX its still reflecting as open and unpaid.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The lien was removed and its still showing just for this agency. I am having trouble with them removing inaccurate information of my report even the ones I have advised do not belong to me they were removed from my other credit reports except this one. It seems I have to fight for them to remove things which isn't right. I disputed directly through their website and still no response

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 2018-05-01 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:
Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX  credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.

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 2018-05-01 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:
Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: IL

Complaint narrative:
To whom it may concern, I have disputed the accuracy of the bankruptcy listed on my credit report with the reporting agency twice now. Each time they have e-mailed me a decision stating that the entry will not be removed. Twice I have asked for the information used to determine the accuracy of this entry and have not received the information. Under the Fair Credit Reporting Act I have a right to this information. Reference the related section of the FCRA below. I am also attaching the two correspondences from the credit reporting agency stating that the information will not be removed along with copies of the letters I sent and a press release from the XXXX listing the requirements for reporting the judgement. Lastly, I am attaching a copy of a letter from my local county court that states that information is not directly shared or have been requested by the agency. 


611 ( a ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;

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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I made an error and let pressure get the best of me. I was also lied to by the salesman about many details which were obviously selling points for him I was pressured into a 4 year lease with XXXX payments and paid XXXX down. 

The contract, which isn't final because the dealership has not secured funding, is 100 % dealer driven profit and includes absolutely nothing for the consumer. 

I hope to re negotiate the terms and not be stuck upside-down in a 4 year lease with payments hovering XXXX I have contacted XXXX XXXX XXXX, and hope to work something out that is fair -- not a trade you would get at a buy here pay here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX the alarm company took a payment out of my account before authorized. XX/XX/XXXX I was charged a fee of {$36.00} and couldn't understand why. When I went back that is when I saw the payment error. I did a dispute and the money was returned XX/XX/XXXX but not the fee. Had the alarm payment not been taken out my account would have had enough money. I called and was told it would fixed. Well guess what it still hasn't been so my account was $ XXXX since SunTrust hadn't returned my money and had the nerve to charge me another fee today AND I don't understand why! I made a deposit before XXXX and it is not showing at all!! {$200.00} deposit. I don't appreciate the discrepancy on my account and them not fixing!

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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank closed my account after one check bounced and sent me a notice saying they had frozen funds because of some claim I supposedly filed that was fraudulent. I never filed any claims with them they must've gotten that information from XXXX XXXX who had just closed my account with them over debit card claims they had already investigated and found in my favor but decided to reverse. I think this is ridiculous and on top of that they debited the amount of the bounced check twice and hit me with a bunch of fees after allowing scheduled payments to still go through.

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 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
hello, for security reasons when my phone was stolen coinbase closed my account - however afterwards - i have asked for it to re-enabled and their support says they are working on it and its been over a week. 

please i am concerned they are not going to give me access and i just wish to access my account asap/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX an Inquiry appeared on my XXXX  XXXX  an Equifax credit report which I disputed right away after receiving an alert from my XXXX Credit Monitoring service. It was from XXXX, I do not know what this is and I disputed it right away on XX/XX/XXXX with all three credit bureaus. XXXX  and XXXX  promptly removed the Inquiry but for some reason Equifax did not! It has been removed frrom XXXX and XXXX 2 days later but Equifax for some reason does not wish to remove it. I made a report and attached it but still appears on my credit which lowered my score by 12 points on Equifax only. I do not know what this Company is at first I was told it was XXXX XXXX so I called them and THEY HAVE NO RECORD OF THIS. Please remove this inquiry immediately, I did not and will not apply and have no knowledge of how this happend. At the time I had a freeze on my credit because I was party of the data leak. Remove the inquiry from XXXX from XX/XX/XXXX its not mine and should not have even been allowed to appear since my Credit Reports are locked!!! Thank you please help me with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Every year since I have been forced to use Wells Fargo as my mortgage provider, the company has tried to raise my monthly payment due to, in the company 's description, an escrow shortage. For years I have made an '' Escrow Buydown '' payment ( essentially an extra house payment ), so my monthly payment will remain {$740.00}. As an experiment, I switched my home owners insurance to another provider at a significantly lower cost only to receive another notice from Fargo that my escrow is short.The company has an eloborate plan to raise its customers monthly payment. Most people will agree a Fixed Interest rate is not an Adjustable rate, but Fargo makes no distinction between the two.

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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've already complained about the issue that led up to this but now Wells Fargo is reporting wrong information to XXXX  and my other bank about debit card claims they investigated and found in my favor then decided to reverse. They're apparently reporting this as fraud and screwing up everything I have on top of me now owing them money that I shouldn't owe. They're basically saying they lie about actually investigating anything by doing this. Big surprise another shady move by WF.

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
XX/XX/2018 amount is {$960.00}, i called to see more information about this account and to let them know that someone has stolen my identity, because i never had an utility in my name.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Tried to get inquiries removed from my accounts with XXXX, XXXX, and Equifax told them that they were not authorized but the companies refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for the Chase XXXX Mileage Plus Club card on or about XX/XX/XXXX. At that time, on the XXXX website, there was a published promotion for XXXX bonus miles to be awarded after certain conditions were met. I met those conditions, and never received my bonus miles. I contacted the Chase, on approximately XX/XX/XXXX ( exact date unknown ) who informed me that my offer did not include any bonus miles, but rather a waiver of the first year {$490.00} card fee. While speaking with the Chase representative, I returned to the XXXX website, and so that the offer of XXXX miles was still displayed as the promotional offer. However, when clicking through, the offer changed from XXXX bonus miles to the annual fee waiver. It was not made clear that the offer was being changed, and I had every reason to expect that the I would receive the bonus miles. 

When complaining to Chase about this discrepancy, the rep informed me that they could not do anything about this, and would forward my complaint to the marketing department. Several days later, I got a written letter from the marketing department, signed by XXXX XXXX, Customer Service Specialist, informing me that they would not honor the XXXX bonus mile offer. There was no contact information provided, and when I called back to Chase on XX/XX/XXXX, they told me that the decision was final and there was nothing that they would do. 

I feel that this is a clear bait and switch marketing tactic. They promised XXXX bonus miles in their lead offer, then without clear notation, changed the offer while clicking through the steps to apply. The XXXX bonus miles have a clear, and significant monetary value, and was the sole reason for my decision to apply for this card. There are many better options available for me ( including the XXXX Explorer card )  which I would definitely have chosen over this option had Chase not used their deceptive marketing tactics. I believe that this tactic was intentions, in an attempt to dive more business to their premium, high annual fee card. 

Since the time I made my initial complaint they have changed their offer ( it is marked as new in their website promotional displays ) to offer the same XXXX miles, but they do not change it to the annual fee waiver during the click through process. 

Please help me to encourage Chase to honor their promises made in their marketing campaign.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Tried to get inquiries removed from my accounts with TransUnion, XXXX, and XXXX told them that they were not authorized but the companies refuse to remove them.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Tried to get inquiries removed from my accounts with XXXX, Experian, and XXXX told them that they were not authorized but the companies refuse to remove them.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery contacted me about several hospital bills. I asked for them to send me a itemized bill and the specific dates. They explained to me that they didnt have an itemized bill just a amount was submitted by a physician. I didnt feel comfortable paying for something without proof. I go on to tell representatives that without proof, I wont pay them over the phone. The representatives began to say how legal action will be taking against me. But they can lower the amount owed if I agreed to pay them today.

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