vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORTS THAT I OWE {$620.00} I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT THIS IS NOT MY DEBT NEVER USED A XXXX XXXX   CARD OR ACCOUNT

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORTS THAT I OWE {$620.00} I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT THIS IS NOT MY DEBT NEVER USED A XXXX XXXX   CARD OR ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc.
State: MN

Complaint narrative:
I have a consumer debt with Total visa card that was charged off and sold prior to me being able to pay off to XXXX XXXX XXXX XXXX at that time it was reported to my credit as a negative item, I contacted XXXX XXXX to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against XXXX XXXX and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for XXXX XXXX and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication. Back in XX/XX/XXXX the debt was removed from my credit and I mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent. debt was placed on credit profile and forced to be removed. They have replaced debt back on credit profile. I believe it to be This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication. malicious at that point. This company keep calling me harassing me everyday. My address hasnt changed why I havent received anything in the mail yet.

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 2020-01-06 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: IL

Complaint narrative:
I have two collection accounts showing on my reports that aren't mine.

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 2020-01-06 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: IL

Complaint narrative:
I have two collection accounts showing on my reports that aren't mine.

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 2020-01-06 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: Certegy Holdings, LLC
State: AL

Complaint narrative:
On XX/XX/2019 XXXX XXXX in XXXX, AL. accepted a check in the amount of {$41.00} from an unknow person to me. This person presented an Alabama identification card and the XXXX XXXX employee accepted as satisfactory identification. The XXXX XXXX employee misread the identification card and substituted the number one [ 1 ] instead of the letter 'I ' that is used on Alabama identification cards. XXXX XXXX, { XXXX ] Alabama Law Enforce Agency drivers license fraud division investigated and determined the error had  occurred. 
XXXX XXXX XXXX XXXX, FL. XXXX recommends to merchants to not accept my person check. 
I have called Certegy multiple time, written 2 letters, given the XXXX XXXX XXXX XXXX  phone number, faxed the a copy of my drivers license. Certegy is not cooperative, unresponsive, they don't use e-mail and once I am able to get someone on the telephone they are a lower level employee that can not answer questions or make a decision. They want the checking account number and check number of the check in question, I have no clue because it was not my check, signature, name or account.

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 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was slammed with a fake website while trying to order comedy tickets from XXXX XXXX XXXX XXXX XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. The following attachments are documentation that BB & T Bank refuses to cooperate to refund monies that was not authorized from a fraudulent company that has scammed me and many other people. First, BB & T representative assured me, when charges of {$270.00} posted to my account, I will be refunded. I contacted BB & T Bank continuously and its always an unresolved response such as merchant is disputing the claim then you have to wait for 30 days and final response was if merchant dont response, monies will be refunded. On XX/XX/XXXX @ XXXX XXXX, still no refund or merchant response. It has been over thirty days. I never received tickets from fraudulent vendor. Therefore, Im out of {$270.00} and tickets too. The attachment # 1 is the actual letter to start claim process, attachment # 2 is the actual website for XXXX XXXX XXXX XXXX XXXX XXXX with tickets purchased and confirmation. I finally was able to purchase two tickets from the correct website. After, I attempted to purchase ticket again ; the fraudulent website came up twice. As I explain to BB & T representatives more than once, I attended a show with tickets purchased from XXXX XXXX XXXX XXXX XXXX XXXX but my debit card was charge {$270.00} for tickets NEVER received. It has been very stressful and unfair to be treated in such an appalling manner. I have contacted BB & T Bank on the following days : XX/XX/XXXX ( first call ), XX/XX/XXXX ( informed BB & T representative to expect an email ), XX/XX/XXXX @ XXXX XXXX-13 mins-38 seconds, XX/XX/XXXX @ XXXX XXXX-7 mins-44 seconds, XX/XX/XXXX @ XXXX XXXX.-11 mins-46 seconds, XX/XX/XXXX @ XXXX XXXX-19 mins-1 second

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 2020-01-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My complaint is against Amex account # : XXXX, date open XXXX, status open. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Amex to remove negative mark due to an error from their system from all 3 reports. I tried to do this with a goodwill explaining what happen and Amex did not even mark account as disputed therefore not even an investigation was made. This is a big violation to the Fair Credit Reporting Act, plus negligence, unfair business practices and the etc., etc. I want an immediate deletion letter from Amex, stating the removal of the of the erroneous negative mark related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the negative mark to be remove, but if you want to go to court, that way it shall be. I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. I have a {$500000.00} mortgage pending because of thie issue and I alreadu gave $ XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

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 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been a loyal customer of Chase Bank since XX/XX/XXXX, never had any issues with Bank until recently, On XX/XX/XXXX when I logged into my Bank account, I have noticed there were Unauthorized/Fraudulent transactions happened, where funds ( {$2000.00} ) have been transferred to XXXX XXXX on XX/XX/XXXX. I called Chase Bank immediately to report unauthorized transactions. And I have reported the same to local police at XXXX XXXX XXXX Police Department in XXXX, PA., Spoke with police officer XXXX and briefed him about fraudulent transactions in my Chase Bank account and potential identity theft, and Case has been filed. Also reported the same to FTC at IdentityTheft.Gov. And also reported to all credit bureaus about potential identity theft and requested for credit freeze, I have requested Chase Bank to locked down my account and transactions until further notice or until I close my account. 

I have requested Chase bank to dispute {$2000.00} unauthorized transaction happened on XX/XX/XXXX. But Chase Bank closed my claim without resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage Customer Service - XXXX Hello I have loan with them for my condo. They never notified me that my HO6 insurance was expired. 15 months later they sent me a bill around XXXX . They did not listen my complains that they never mailed or notified me about HO6 COVERAGE. They charged us for last year coverage which insurance never taken place. They are corrupt and unprofessional company. I tried to call them many times they were not interested my complains at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I`m not sure about exact dates unfortunately but I have tried to contact Equifax many times about this problem. I tried to get a home loan about a year ago, the bank associate printed out my credit report and explained to me that there was an error on my credit report and I couldn't complete the loan without the credit number. 

I then tried to contact Equifax directly and explain the problem, they never once explained to me what was wrong with my credit score and or how to solve it. They would tell me to submit proof of documentation never explaining why they needed it. Then would tell me that it would take about 30 business days to verify it and they would then send me a letter. They sent me a letter that they received it and then that they needed to review the documents. I waited for many weeks in between each interaction and they would just ask for the same documents or and then the other credit reports from XXXX and XXXX and still never explained anything. I`m not sure what to do I'm not sure what is wrong with my credit report and they will tell me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MN

Complaint narrative:
Not my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have been repay my student loan for over three years in person and cash.. In XXXX, about an hour after I submitted my payment. I received an email regarding a missed payment that was made 4 months back.. I come into the office every month and yet no one said anything so I could show the appropriate documentation now it being months later.. I no longer kept the record and when asked them to view there video system they claimed they dont keep it for more then 90 days..

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 2020-01-06 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I used my Apple Card running by XXXX XXXX, to purchase some furnitures at XXXX for a value of {$2100.00}. However, XXXX told me that a carpet valued $ XXXX was out of stock and they have already put a credit on the file for me. However, until today, I never received it. I tried to call XXXX 's customer service for more than 100 times literately and their call was so busy and can never been reached. 

I disputed this $ XXXX with Apple Card and provided them with the document I got from XXXX. However, after two-month investigation, they rejected my case, claiming that they had got some evidence from XXXX. I asked them to provide me with the evidence and apple card promised to mail it to me, however, they were never able to provide me with that. After communication, they rejected to serve me about this case without any specific reason and I did not get any evidence until today. I called them today, but they still claim that the evidence is still not available and they are not clear about the specific reason. They are hurting my right seriously right now with ignorant altitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Caneel Capital, LLC
State: OH

Complaint narrative:
To whom this may concern. i received a letter from Trinity Financial Services to let me know that they had taken over my loan from XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. Trinity said that they would be sending me my billing statement a new account number along with current loan balance and next payment due. The date on this letter was XX/XX/XXXX. The letter stated that I owed {$49000.00}. The monthly interest rate is 0.06000 and the next due is XX/XX/XXXX. This is not true and I have never heard of Trinity Financial Services before. I tried to contact this company and it kept going into a voice mail that did not sound right. I was then contacted by an attorney named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This letter came from XXXX XXXX 6 days after I received the letter from Trinity Financial stating that i must bring my loan current within 30 days from the date of this letter or they will start foreclosure. I was not sure if this was a scam. I went to the bank where my loan was taken over by XXXX because my original loan was with XXXX XXXX XXXX in XXXX and they closed so XXXX had the information. XXXX said the second mortgage was charged off and they had no records of what the amount, payments or interest rate was. XXXX did tell me that this is a non performing loan. I felt very threatened by this company and there attorney. I received a foreclosure notice with the courts that they filed against me. I am XXXX and can not afford an attorney so i answered the attorney and Trinity Financial and the courts within 28 days and I ask for the original paperwork from my loan.I sent this on XX/XX/XXXX and I have not heard back from them. I have looked them up on the internet and it looks like they have had multiple violations with different states. I am not sure if what they are trying to do is legal or if they have a license to take over my loan in ohio.They don't have the correct information on my loan.I feel like this is a total scam and I don't know what to do about it. The letter that I received from there attorney was very threatening.I don't want to lose my house. I am current on the first mortgage and taxes and insurance.I don't know how legal this is or how legal this company is but it looks like they are fined alot of money from trying to do business in different states illegally. Please take a look at my case and help me. 
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, Oh XXXX XXXX

Company response to consumer: Closed with explanation