vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 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: NE

Complaint narrative:
I sent Experian a letter stating to review my credit report because there is incorrect information on my credit report and due to the incorrect I would like the account removed they responded saying that they will not investigate and that I would have to go to the original creditor myself even though the law states that they have to investigate the accounts the account are This Account needs to be removed Immediately Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Student Loans Balance : {$0.00} Past Due : {$0.00} Date Opened XX/XX/XXXX Account Status : Account transferred to another office High Balance {$0.00} Limit {$0.00} Terms 120 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

I have proof that this is incorrect and I will want this all these account deleted I will attach the date the account was opened and when money was disbursed

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 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have been receiving repetitive calls all day everyday from XXXX XXXX. When they call me they always call private so the number never shows up and I know its them because Ive answered the phone on multiple occasions and it was XXXX XXXX. I get calls from them atleast 3-4 times per day. Its really annoying and they never call from a business number its always private.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 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: CNG HOLDINGS INC
State: NY

Complaint narrative:
The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is still reporting that I am delinquent with them when they no longer own the debt and sold it to another company. I have no account or contract with them but they are still reporting. I have asked for verification numerous times in writing to get none.

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 2018-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute with CFPB on XX/XX/2018 in regards to a bankruptcy reporting on my Equifax file ... Equifax responded to me stating they had reviewed the information in case # XXXX and that the bankruptcy is currently reporting correctly if I have additional questions to contact XXXX XXXX XXXX XXXX I did contact the court and they confirmed they DO NOT and HAVE NOT reported and bankruptcy information to Equifax or any other credit reporting agency they also said they didnt received any request from Equifax to confirm or verify anything in regards to me ... .Equifax also listed XXXX XXXX XXXX I contacted them as will with the same response XXXX XXXX also confirmed to me that I file with them is suspended due to previous fraud alert this no information on me would be released to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I signed up for an American Express Platinum Delta SkyMiles card. 

The offer on the card was the following " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. A {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership ''. 

I completed the spend requirement in the required time period. I never received the {$70000.00} bonus miles, XXXX MQM Miles or the {$100.00} statement credit after purchase. 

I contacted AMEX ( 4 ) four times with no resolution. I first contacted them on XX/XX/XXXX. I then contacted them again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, AMEX told me there " is a know issue and there is a delay in posting of the miles on your account ''. They told me I should wait an additional time period. I believe that contacting AMEX ( 4 ) four times and waiting at least 5 months is more than enough time for AMEX to have resolved this issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05 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: Security Credit Services, LLC
State: NY

Complaint narrative:
The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I had file Chapter XXXX  Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation.

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Garrison Investment Group
State: MI

Complaint narrative:
The online account/payment system in use by XXXX XXXX handles passwords in an insecure manner. Forgotten passwords are sent via email in " Plain text '', instead of a password reset. 
This indicates the password is stored as-is, instead of being hashed. This is also often an indicator that other account data is not being encrypted when stored. 
Further, the password in the email is all capital letters, which raises another red flag. On testing, I confirmed that the password field to log in is not case sensitive, further weakening whatever password is used. 
Please take your customer 's security seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: TX

Complaint narrative:
To whom it may concern : I had file Chapter XXXX Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation. 

Thanks,

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 2018-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I had file Chapter XXXX Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation. 

Thanks,

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 2018-05-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I purchased a 7 day trial for {$1.00}, and it was advertised that you could cancel during the 7 days and there would be no additional costs. The number I was given to cancel was XXXX, which is also the number that was listed on Experian 's web site and also on my bank statement from XXXX XXXX. When I called the number, the automated service asked for my social security number and zip code, which I provided, and the response was that my account was a FREE ACCOUNT and there was nothing to cancel and it then hung up. It would not give me the option to speak to someone. After calling this number 4 times over 3 months, I assumed it was correct and did not review my bank statement again until a automated withdrawal caused an overdraft, and after checking my account detail, it was again Experian deducting another fee. I went to the bank and put in a protest of the fee, and also closed my account and created a new one. The bank gave me 3 additional numbers to call at Experian. Two of them also had the same recording that my account was free. The third one, XXXX provided a human to talk to, and she apologized and refunded the last withdrawal, but would not refund the overdraft nor the previous 7 withdrawals. I then told her to inform her management that I was reporting them for fraud, as they provided a number to cancel which informed me, the consumer of false information, and would not allow me to cancel.

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 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/2016, I C System placed a derogatory remark on my credit file. They claim that I owe {$670.00} to XXXX XXXX XXXX. I 100 % dispute this charge. This is a service that I told them that I never wanted and they charged me for it anyways. I would like for you to please have this negative remark removed from my credit history as it is greatly affecting me in a negative manner.

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 2018-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander USA is reporting I owe {$11000.00}. I never owned a vehicle with them or had a loan. However, I do share the same name/address with my father. XXXX & XXXX verified ; showing it isn't my debt. I've written XXXX over 8 times regarding this matter, but they haven't verified this account is mine. PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
I filled out an online form to see the value of my house and refinancing. Loan Depot has called me 58 times and left 5 second messages. They wont quit calling me. I started to delete my messages before I screen capture so voicemail now says 45. See attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
See attached letters, after describing the above it went blank. Dates amounts companies are documented on files attached

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 2018-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I traveled to XXXX for medical reasons in XX/XX/XXXX. While there I attempted to withdraw {$60.00} for the Taxi fee to airport on XX/XX/XXXX and XXXX from the only ATM that dispenses dollars, at XXXX XXXX. The ATM denied my withdrawal since the amount requested was translated into pesos ( {$1100.00} on XX/XX/XXXX and {$1100.00} onXX/XX/XXXX ). The ATM request had a dollar sign " $ '' in lieu of pesos. I called Wells Fargo bank ( my bank ) to explain that I am requesting {$60.00} not {$1000.00}!. The rep I spoke with said she would have to raise my credit limit to allow the transaction. I argued that it made no sense since I only need {$60.00} and the ATM uses " $ '' for pesos. After much confusion she said to try again. I was able to get the {$60.00} and did so again on the XXXX. 
When I reviewed my statements I found I had been charged in dollars, and Wells Fargo refused to credit my the {$1800.00} they owe my account. I explained, and even asked them to call XXXX XXXX, since the withdraw limit is $ XXXX/day anyway. I have opened the claim twice with their Fraud Dept. with no effect. The Doctor i saw in XXXX called me and confirmed the bank will not dispense more than {$450.00}, and that the bank here is confusing the dollar sign for US dollars. Still Wells Fargo will not credit me the funds. Now they won't return my calls.

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 2018-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase thought my homeowners insurance lapsed and so they used escrow to buy a forced placed insurance policy. They now have proof I had coverage but have not changed my payment. I'm having to borrow money to avoid overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
I was charged for a service that was not received in the amount of {$700.00} from XXXX XXXX XXXX which was CANCELLED. I provided proof of the cancellation from XXXX XXXX XXXX to CHASE Cardmember Services as a dispute but Chase refuses to credit my account. 

Request that Chase credit my account in the amount of {$700.00} or send credit to me. 

Reservation for the rental was made on XX/XX/XXXX. Cancellation was made on XX/XX/XXXX. Disputed charge with Chase Cardmember Service on more than four occasions regarding this with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dipute with XXXX indicating that ALLY FINANCIAL had incorrectly reported a balance on my XXXX  credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent XXXX Credit report Dispute Result Report # XXXX with ALLY FINANCIAL account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and XXXX and or Ally needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX   and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XXXX ) 2. XXXX XXXX XXXX reported the account as being opened in XXXX, which is also false. The mentioned account was closed and discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I submitted the official mail-in request form from the FTC for my free annual credit report from the three credit reporting agencies. 

TransUnion responded to me by mail with a bill, saying that they will not send my report unless I send them additional information by mail and have also requested that I pay them {$9.00} for this report. 

They claimed in the letter that they can not verify that I live at this address even though I have lived here since XX/XX/2014, and I have ordered credit reports at least twice from this bureau at this address. Their file on me should have this address as indicated on prior year reports. So they have either mishandled or lost my information since the last request, or they have lied in this letter. 

I believe this is an attempt by TransUnion to get out of their obligation of providing a free credit report, by making the process more difficult, and I also think they are trying to scam me out of paying {$9.00} for this report with the included bill, that asks for a credit card number, and expiration date in order to process the application. The included bill makes the payment look like a requirement in order to proceed. 

TransUnion is obligated to provide this report for free annually at my request and I think they are failing their obligation by falsely stating they can't verify my address and delaying the process and deceptively sending a bill asking for payment which goes against the spirit of The Fair Credit Reporting Act. 

I am concerned about this practice if TransUnion is dodging the obligations under the law and trying to avoid compliance by deceitful practices such as lying about the information they have and/or requesting payment for services that they are obligated to provide free of charge. 

I would like the CFPB to look into this practice to make sure that TransUnion is in compliance with the FCRA. Furthermore, if they have somehow lost the record that I have lived at this address for the past 4 years, I would like the CFPB to investigate how/why they could have lost this information. 

Thank you,

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