vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-23 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:
I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.

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 2018-12-23 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:
I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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:
I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.

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 2018-12-23 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: MI

Complaint narrative:
Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, XXXX, Trans Union,  they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XX/XX/XXXX I would like the these companies to finally report the correct information.

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 2018-12-23 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: MI

Complaint narrative:
Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, Equifax, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
American Adjustment Bureau sent me a letter claiming I owed a debt to XXXX Hospital. I have not/will not use XXXX nor their affiliates due to past experiences. I spoke with American Adjustment Bureau to find that the supposed debt was my husband 's for an XXXX. XXXX failed to bill his insurance company, XXXX XXXX. I sent all information to American adjustment Bureau 2 months ago and heard nothing back from them. XXXX XXXX sent a letter verifying that they paid this bill and that XXXX had charged the wrong account previously. Again, I received nothing from American adjustment Bureau. I only found that they reported my so-called bad debt when I checked my report because I am trying to rent an apartment so that I can move my XXXX-year-old grandmother in with me so that she can avoid being put into a nursing home. I have paid my debts and I have worked hard to repair my credit. XXXX Hospital does not send out bills to patients, they just send their information to these goons who don't do their job either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: GA

Complaint narrative:
I have filed a complaint before on this matter and Experian still has not corrected this. XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX is still showing on my credit file. I have filed a Identity Theft report and police report stating this isn't my responsibility. I have contacted Experian several times and sent all documents and proof of my Identity as well. THe FCRA prohibits them from reporting or keeping this on my file if Identity is compromised, but Experian and XXXX XXXX XXXX has just up dated this information again. Also XXXX XXXX has not validated or proven this after several request to do so. I have asked for the original instrument of indebtedness several times and XXXX XXXX XXXX  sent me a bunch of statements which is NOT acceptable per the FCRA as these types of documents can be altered and manipulated by any one. XXXX  and XXXX has deleted the information from my file as required.

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 2018-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MNE Services, Inc
State: VA

Complaint narrative:
a payday loan, really can't remeber there name, weird name, foreign / XXXX XXXX i think. can't remember i'm old and sick, iknow i did XXXX XXXX  and XXXX  XXXX, that i can remeber, but oher one i can't

Company response to consumer: Untimely response
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX has been calling my direct family in regards to Past Due debt for my Mother-in-Law and Sister-in-Law. They leave a message asking to call about the two individuals. When you call, there is a recording indicating this is about a past due payment and then when you speak with an agent, they tell you their auto loan is past due and they would like your assistance in helping them. The most recent incidence was today, XX/XX/2018. They contacted my sister directly and asked for a return call. I called them back to inquire what this was about, they said a debt collection and gave the name of my two in-laws. I told them to stop calling my family, they have no relation, they said they only have one number to call ( my mother 's ) and would remove it ... .I then told them this is not true as they have called my sister as well. I asked them to remove all numbers related to this account and felt that this was harassment. As well, it is adding quite a bit of embarassment to my in-laws since now the entire family is aware their accounts are past due. I believe this to be a violation of the FCRA and advised them as such.

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 2018-12-23 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My wife and I visited XXXX  XXXX XXXX to purchase furniture for our new home. During the furniture selection process, salesperson talked about financing options. We declared before we started the selection that we intend to finance the furniture and take advantage of 0 % financing. 

Our total came to about {$9000.00} and we were excited to get the finance. I completed the XXXX  XXXX  application and I was approved for financing. When I received the invoice, the total was about {$14000.00}. When my wife and I tried to understand the difference in the final bill, the sales person told me that we would not receive any published prices because I am financing. 

Since we had spent 6+ hours picking furniture, I decided to find an amicable solution and make the purchase. 

When I arrived home, salesperson had accidentally sent me a previous invoice which should the advertised price. We had purchased some floor models which were 50 % off and marked on the floor accordingly. Please review attached multiple invoices with the same same items, but different prices. 

The invoice associated with financing the prices were changed for most items - {$490.00} chair was {$590.00} ; {$120.00} floor model lamp were {$240.00} ; {$120.00} dining chairs were {$290.00} ... 

People at store and their guest service line, explained that this is agreed with Synchrony rules and guideline.

If such agreements exists, I am convinced that Synchrony and XXXX is conspiring to overcharge customers. If such agreement does not exist, Synchrony is not inspecting how their deal is abusing the funding made available to the customers. 

I shared my experience with XXXX  XXXX and they asked me to work with the store. 

When my wife and I were at the store during the selection process, we overheard two couples with similar complaints. 

This must be reviewed, and addressed.

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 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: WA

Complaint narrative:
I rented an apartment in XXXX XXXX, NV in XX/XX/2014 from a property management company called XXXX XXXX XXXX. I moved out after a couple of months because I could no longer afford to live there. The company had a lease agreement and wanted to collect for the rest of the agreement, which of course I could not pay. I never paid anything on the account, and years later I noticed it on my credit report. I looked up the laws regarding the collection of debts in Nevada and there is a 4 year statute of limitations on the debt. It has been almost 5 years now. The credit report shows that XXXX XXXX XXXX turned the collection over to Sentry Recovery & Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX in XX/XX/2014. The credit report also shows I have already paid 15 % toward the debt, which is not true. XXXX  eliminated the debt from my report after I disputed it, but XXXX  determined that they would not remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Credit Card XXXX rewards Premier. You get 1 elite night credit for each {$3000.00} in purchases. I made a large purchase in order to receive these credits. Purchase {$12000.00} XX/XX/2018 on the card to get these nights and the total monthly bill was {$14000.00}. They kept send emails to upgrade to the Premier Plus program. It sounds like you get the Premier perks, PLUS more. I upgraded a couple of weeks after the purchase. They have not given me the 4+ Elite nights credit. I called in XX/XX/XXXX and they assured me that it would happen with 8 weeks of purchase. It did no happen. I filled out an online form asking about the Elite nights at Chase.com and no response. I called again a few weeks later, now the aren't sure if I will get them but supposedly they put it in to the promotion dept. to be reviewed. They told me to contact XXXX XXXX. I did, and they said Chase did not give them Elite Nights. On the bill XX/XX/18 - XX/XX/18 it shows the account is st

ill Premier and states the Elite night benefit. ( attached ) The next bill say PLUS.

I could have used another card, but used this one for added nights that I need. They won't respond, and you can't go back the Premier card. It was a misleading promotion. Still, these purchases were made before the upgrade, so the Elite nights should be given. 
Please help them to understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a 0 % rate on promotional checks from Chase credit card. I used {$530.00} to write myself a check and deposit to our XXXX account to buy a powered bed base for my XXXX  XXXX. After I bought the item, Chase blocked my XXXX  XXXX XXXX the funds coverage, so XXXX  XXXX XXXX just took the funds out of our bank. Chase 's reason was because the checks they sent didn't match the chase card #. The reason it didn't match is cause they're always sending a new card out, but it's still all on my account. Their final reason : that promotion is not offered on the new card ... .even though it's NOT a new account, just a credit card issued with different numbers. So I knew they got me, I used the {$530.00} then they backed out of paying for it even though they knew the new credit card was still using the same account. XXXX   XXXX always updates our cards, and occasionally sends us promotional checks, but they never gave us a lame excuse the checks did not qualify for the promotion just because the debit or credit card numbers changed! I'll be reporting them to the Federal Trade Commission as well, pay off the account, and close them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
i filed a complaint XX/XX/2018 i recieved a response abouy the company policy but it did not address the XXXX i paid for 23 month i paid out my contrack the tracking # XXXX thank you for help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/2018 ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX   disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 of which should have been deferred per my conversation with the XXXX XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the Fed Student Loan intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA. No matter what I report to my own bank they laugh at me over charges fraudulent charges I have to fight for them to file with the FTC. I found over {$210.00} in overage charges from XXXX the teller last night actually told me I dont know what youre talking about Im sure XXXX did this I had to fight her and say no its all over the news they been hacked. And late XXXX of this year my husband actually took off for two days we were very worried I was on the phone with XXXX and USAA pointing out that there was a with drawl straight out of our savings the lady told me that it went somewhere in Texas he had left not 24 hours before without a car. They sat there and laughed at me while I reported my husband missing something weird is going on with this bank they treat me like XXXX and they take my money and laugh at me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation