vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A victim of identities theft fraud regarding 1 account. I have never owned nor applied for a credit card account with XXXX XXXX. This has appeared on my credit report and I launched a police investigation as advised to by the lender to have this removed from my account as it is not mine! I submitted the police case number for the investigation and the i police investigators name of who is handling the case. I attached the information and documented it within the dispute but XXXX  failed to remove this information from my file after disputing it. I dont know what else to do because I also disputed false report its of American Express staying to XXXX that my account was in collections which was not correct when XXXX  checked into that dispute. Both disputes were lumped within the same dispute and nothing was done by XXXX  to remove this erroneous, negative information regardless of what I have substantiated to be incorrect and false!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX  and XXXX   were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and XXXX and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX  and XXXX appear not to care ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: FL

Complaint narrative:
I check my credit weekly and today XX/XX/19 I noticed that my credit score for  all three Credit Reporting Agencies had DROPPED approx. 50 POINTS  from the previous week. There was NO DEROGERTY Information since  the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX and Experian were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and Experian and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX and Experian appear not to care ... ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: TX

Complaint narrative:
I contacted Equifax Customer Care ( XXXX ) to inquire about letters coming from Equifax Information Systems LLC, XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. One letter references my request to add security freezes to the credit files for my children ; I have no children. Another letter references my request for a security freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute. Equifax Customer Care informs me that there is no such subsidiary of Equifax named Equifax Information Systems LLC and the address listed is not one of their addresses. Additionally, they said I should ignore the letters. It appears that someone is attempting to pose as part of Equifax in an attempt to obtain Personally Identifiable Information from people. Given the history of Equifax to fail to protect consumer data and what appears to be an attempt to use the XXXX XXXX XXXX XXXX to obtain information fraudulently, Equifax security issues may still be very exist.. This is highly likely since they replaced freeze.equifax.com with my.equifax.com and shut down user access to the site. Since Equifax Customer Care has indicated the sender is not valid, I plan to send copies of the letter to Equifax Fraud Department. Since the XXXX is being used to solicit the information, I plan to send copies of the letters to the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my XXXX credit card statement from XXXX XXXX. Balance due was {$52.00} and due XX/XX/XXXX. On XX/XX/XXXX I returned an item and it posted to my account for a total credit of {$52.00}. I received my XXXX statement which notified me that I was past due and charged a {$27.00} late fee. I called customer service and was told that I should have still paid the minimum payment due amount on XX/XX/XXXX to avoid late charges and finance fees! I don't know what kind of accounting system they are using, but that is ludicrous. They have reversed the late charge but wanted full payment on my current balance ( which is not due until XX/XX/XXXX ). So I am assuming finance charges are still accruing. I was able to get the fee reversed, so I am happy with that. I've never filed a complaint with you before, but I had to wonder how many other people they are trying to take advantage of. I just assumed that I somehow had missed my payment on accident and was just going to pay the full amount. Thankfully I looked into it, but it concerns me about their credit practices and for that alone I felt this was necessary. 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 explanation
Consumer complaint received 2019-02-04 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 am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, TRANSUNION AND XXXX   XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018,  includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, TRANSUNION AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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 am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
Someone incorrectly used my email address when they signed up for the Xoom service, now I am receiving copies of their transactions that go through via email. I called Xoom to have them remove my email address from the account in the name of XXXX XXXX XXXX, and they assured me they would, but I just received another set of transaction details. This is a violation of XXXX 's privacy rights. I have records for two of the transactions XXXX on XX/XX/2019 and XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
This account shows on my credit from XXXX XXXX XXXX I have no knowledege of the debt, I asked for verification and validation and haven't received anything. 
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX dollars was taken from my Chase Bank account from an atm at the XXXX XXXX XXXX XXXX XXXX XXXX Ga location. My debit card was stolen at some point. I never received the debit card nor did I activate it. I told chase bank this information. At XXXX I noticed my account had been used. I called Chase Bank Customer Service to report the incident at XXXX. The debit card was cancelled. On XX/XX/XXXX they put the money back into my account. I was also sent a new debit card. The following month on XX/XX/XXXX they declined the claim and took the money back out of the account. They reversed the claim without properly researching my case. The atm video footage was never checked and the phone number that activated my card wasnt tracked. Chase told me my claim was denied because the claim took place in the same city I live in. I live in XXXX XXXX, ga and the fraud happened in XXXX, ga. The two areas are about 30 minutes apart. Ive never been to that banking center. Chase said the transaction was pin based and wasnt indicated as being comprised but I did in fact tell chase my card was stolen and I did not activate the card. Which makes the pin compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX/XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX/XXXX XX/XX/XXXX {$100.00} XXXX/XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Regarding Complaint Number XXXX. Involving XXXX  ( XXXX   ), Fay Servicing LLC and XXXX. This case was closed but without receiving all documents requested. My initial request was for a complete history of my account with a start date of the year XX/XX/XXXX which is the start date of the loan with XXXX and an end date of XX/XX/XXXX. I received about half of that information. The dates that were sent to me had a start date of XX/XX/XXXX to present. Where is the history of my account from the year XX/XX/XXXX through XX/XX/XXXX? This is very important to a court case I an involved in regarding a mortgage foreclosure. This is information I have requested directly from the parties involved as well as through the CFPB. While the CFPB were helpful in obtaining years XX/XX/XXXX to present, the additional documents for XX/XX/XXXX to XX/XX/XXXX remain to be unavailable. To completely close this case all remaining documents must be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: NC

Complaint narrative:
I seen this company on my credit report CredMgmtCntl and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I will now post evidence that the history of payments by Select Portfolio Servicing , Inc . is in error ; and therefore proves the importance of the corrections necessary, to be made to my account : First, Select Portfolio Servicing , Inc. sent, to my address, a history of the payments they said I made to their company but have left out important payments. I will attach the Select Portfolio Servicing , Inc. history sent. I have recently acquired from XXXX XXXX, a legally documented payment history. This document was sent to me after requesting a history of all payments sent to Select Portfolio Servicing , Inc. through " XXXX XXXX '' payment processing. You can clearly see that not all of the payments made through XXXX XXXX to Select Portfolio Servicing, Inc.are documented on Select Portfolio Servicing , Inc. 's history : Note- I will also respond with the payments through XXXX XXXX  when that history becomes available as a precaution ; as I began all payments through XXXX XXXX .

Second, I am still confused as to why the latest letter from Select Portfolio Servicing , Inc. states that I owe for " XX/XX/2018 '' on a letter dated XX/XX/2018 but my billing statements read that I owe almost {$4000.00}. And as the XXXX XXXX payment history proves, I Never Missed A Payment to Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ashton & Weinberg, Inc.
State: FL

Complaint narrative:
On the fall of XX/XX/XXXX I decided I wanted to get some unwanted tattoes removed. I went to XXXX unaware that you have to take out a loan through a third party in order to get the services done. I decided to do it anyway because I knew I could pay back the monthy charge without any issue. I tried to set up my bank account through their credit union but for some reason nothing was working. Instead of buting my brain I just decided to withdraw from the seccions and step away from any credit union. After  receiving confirmation from XXXX that the credit had been refunded I started looking for my other options. It is now almost spring of XX/XX/XXXX and they are harrassing me with diffrent collections agency on the same matter. The company sending the collection agencies is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I seen this company on my credit report Portfolio Recov Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX veteran of the US XXXX XXXX I have been XXXX XXXX XXXX ever since XXXX of 2012. A XXXX XXXX XXXX  veteran in the state of Texas does not have to pay property tax But My mortgage company ( prime lending ) Insists on making me pay property tax which is something that I am not required to pay they said that they have pay the property tax for me ever since 2012 until now they have added this amount to the amount that I still owe for the property XXXX XXXX XXXX, XXXX TX XXXX Also They have said that they have had to pay for my home owners insurance claiming that I have never head homeowners insurance this is not true I have always head home owners insurance every year since I have been here they have added at least {$20000.00} or more to the amount the old causing me to go into default on my home mortgage loan I have had to file bankruptcy several times I have taken this complaint to several agencies looking for a way out some sort of help. At this time I am in need of help with this issue because they are robbing people this is something that they on the XXXX is for I have done a lot of XXXX  on the Internet and I complaints and issues about this company I only wish that i did more at the time when I was looking for and mortgage company. Please any help that you can give would be greatly appreciated thank you and have a blessed day

Company response to consumer: Closed with explanation