vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2018-10-11 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed XXXX XXXX XXXX, DEPT OF ED/XXXX   which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2018-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX said I owe XXXX the XXXX stated now {$270.00}. Posted on my credit report earlier this year, disputed amount now XXXX says I owe {$270.00} before it was more than that. I do not owe them anything, I sent back the tracker last year and now I have a collection on my account. Disputed to remove because debt not owed and all they did was adjusted the amount. 
I am requesting this item be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate XXXX   XXXX, XXXX 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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
Had a history of problems with XXXX XXXX XXXX emailed corporate office several times. This is the final straw, XXXX XXXX XXXX stating I owe them a past due balance when my account was closed at a XXXX balance. I was told over the phone on a recorded line that since I was moving to a area they didnt not cover I did not have to pay a early cancellation fee. My triple plan service was closed and I returned all the equipment back. They didnt even cancel my cable service but I returned my equipment. I explained I was moving and need all services taken care of. 
Now I see on my credit report that I supposed to owe them. I dont owe XXXX XXXX XXXX anything. 
I want this to be removed off my credit report and for them including XXXX XXXX XXXX to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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:
TransUnion recently sent postal mail to me ( dated XX/XX/2018 ) with incorrect info in the updated reports. There is incorrect information, information that belongs to someone else, AND old information that keeps reappearing or won't go away. I have repeatedly asked TransUnion to remove this incorrect, false, and outdated information, but they still have it there. I've called and written to them several months ago. At one point I am positive that the info was removed, but now it is all back again. The disputed information will be mentioned specifically in the section below. It is extremely dangerous to my person and identity as a consumer for this false and outdated information to continue reporting. This is also why I have repeatedly asked for all accounts to be verified and validated with proper original consumer contracts -- as the FCRA requires -- but they have yet to provide any. They are NOT supposed to just take companies ' words that an account is " verified '', " validated '', and " accurate ''. I've called and was even told that they do not have the documentation that the LAW REQUIRES. So, please tell me why and how they are still reporting these disputed accounts. They are not supposed to do this, and I am prepared to sue for damages done to my report thanks to their negligence in keeping unverified, invalidated info on my reports without taking in or providing to me a SHRED of viable proof.

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 2018-10-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Did nothing at all for my credit repair. Never used my third credit report. Only use two credit agents constantly sent my third agency information with it never being add. Supposed to dispute items but made my credit report worse. 
Cancelled after not seeing one thing resolved and was charged for a month after service was cancelled. A waste of time and money. 
I want a full refund. 
Never use XXXX XXXX, no one ever has any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well fargo customer service keeps calling my work several times harassing me to pay my personal loans of amount of {$8500.00} on XX/XX/XXXXPlease tell them to stop calling my work and exposing my issues to my company. XX/XX/2018. If I'm not there whoever answered the call from work, Well fargo will reveal the reason of the call. That's very embarrassing and also is affecting my work. I'm working with XXXX XXXX XXXX for negotiation. I have informed them to call them instead of me.

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 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omnipoint Capital
State: LA

Complaint narrative:
My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX for months. XXXX and XXXX have deleted them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

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 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on 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
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay Servicing , LLC is holding {$56000.00} of insurance funds in escrow for Hurricane Irma ( last year ) damage which they refuse to release. All repairs are done and paid for by me. All appropriate Fay paperwork was filed. They have told me they would schedule and inspection to confirm work was done months ago. This has never happened. It is starting to feel like a scam. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XX/XX/XXXX I sent an {$120.00} to someone an they never followed through on there end of the deal tried cancelling the payment immediately after sending but it wouldn't let me is there anyway to get my money back or is it a total loss? 
I sent it through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne credit card provides an extended warranty that doubles the original manufacturer warranty up to a maximum of twelve ( 12 ) months on most items you purchase. For products with multiple warranty components, each warranty time period will be extended up to a maximum of twelve ( 12 ) months. Should you fail to properly register the original warranty as required by manufacturer, we will only double the actual warranty time period that you received from the manufacturer. An example of a product with multiple warranty components includes an appliance with original manufacturers ( or U.S. store brand ) warranties that differ for parts, labor, compressor, etc. If you do not have an additional service contract or an optional extended warranty, this Extended Warranty benefit commences the day after your original manufacturers ( or U.S. store brand ) warranty expires.

Coverage limitations : The maximum Extended Warranty benefit for repair or replacement shall not exceed the actual amount charged on your MasterCard card or {$10000.00}, whichever is less. 
en I called Capitol One XX/XX/2018. and attempted to redeem the extended warranty coverage it did not appear to be a problem since the warranty doubles the original time of the purchase. CapitalOne has failed or refused to honor the extended warranty which is unfair, deceptive, and abusive practices.I ask the CFPB to take action against this companies that break the law and disregards its own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
Letter dated XX/XX/18 indicated that I owe a total of {$430.00}. I do not know how I owe this amount to XXXX XXXX, as they charged my insurance already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: BTH Management
State: MI

Complaint narrative:
XXXX XXXX is reporting to my XXXX  report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: MI

Complaint narrative:
XXXX XXXX is reporting to my Transunion report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.

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 2018-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A debt collecting agency called saying we were about 2 month behind on our mortgage etc.. And I when to the bank working with our mortgage company. The banker called the mortgage company. They told it needed to be updated, we where told the price of the home insurance it was over {$6500.00} a year for 8 years and increasing. So this was making our mortgage go up often more. This made me panic again. We called another insurance company, they quoted a price that was more then 2 times less. Im going to call another insurance company to compare this quote also. We need our money back Im on XXXX check I can continue paying a mortgage and insurance like this please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express had promised me that if I book tickets using their card I would be covered with travel insurance which includes trip cancellation and itenary changes. 
Now when I want to go ahead and cancel the tickets due to emergency situation I have been told by the travel agent I would be charged {$200.00} for cancellation and American Express doesnt want to go ahead And reimburse me the amount as promised and advertised.

Their customer service is worse than a customer service in a developing country and its a shame to realize how they just make customers like me a fool and make money of us and dont be loyal to us and but expect us to be loyal to them!

When asked for speaking to a manager they have hung up on me or transferred me to accident insurance departmwnr just to get rid of my query or call!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
many times, during my repayment i qualified for financial hardship. 
I was constantly steered away from that to a forbearance. Which has exploded my loans because of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I am XXXX my identity was stolen Citi Bank refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted

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 2018-10-11 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: CA

Complaint narrative:
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX  XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX 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 2018-10-11 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: CA

Complaint narrative:
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX 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 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife & I both became victims of identity theft in XX/XX/2018. A person or persons cancelled our Capital One credit cards without our knowledge. They requested new credit cards in our names & had them sent to XXXX, Fl. We live in Ohio. In just a few weeks they fraudulently charged several thousand dollars & at this time these new cards have a balance of {$6500.00}. I have tried repeatedly to get this problem resolved but with no success. My latest communication from Capital One 's Executive Offices was mailed to me on XX/XX/2018 & only asked me to identify myself. I replied to XXXX XXXX but haven't gotten any response.

Company response to consumer: Closed with non-monetary relief