vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2018 I was on a business trip in California. I went to the rug company, XXXX at XXXX XXXX XXXX XXXX, CA XXXX, they had a going out of business sale, when I walked in I was helped by the salesman XXXX XXXX. After looking around I decided to purchase a rug for the amount of XXXX before I paid I told XXXX that I do not live in California and he said that it was no problem to ship the rug. I was then sent to a different room to pay for the rug and was helped by another employee. He informed me that if they ship the rug via XXXX to my home that I will not be charged sales tax. The next day, XX/XX/2018, I was contacted by XXXX, asking me if I could get the rug on my flight because he was worried about all the confusion and high traffic in the business due to closing, XXXX also stated that they would pay for the extra airline charge for shipping the rug. I later found out that I could not get it on my flight, so when I brought it back I told them we will have to go with the original plan and have it shipped by XXXX. I also informed them that I live alone and need to have it shipped to my home without a signature and I explained I have excellent security camera. XXXX said no problem. I paid XXXX ... no sales tax was ever charged. After over a month I never received the rug. I contacted the owner, XXXX and he stated that they shipped it with a smaller shipping company and they require a signature. XXXX also stated that they tried to contact me but I was at work. I explained that sometimes I get home late. XXXX state that the shipping company will not deliver past XXXX XXXX. The next thing I know is that the company sends the rug back to XXXX without contacting me again! XXXX has my rug and they want to keep my XXXX. They told my credit card company that I left the store with the rug and all sales are final. That was NOT true!! The original shipper stated that the rug was returned to XXXX in California. The shipper stated that he tried to get ahold of me several times but I only received one call and I told them that I will be home at XXXX that night but they never came. I believe that was around XX/XX/2018. I never heard back from them even though I tried to call the number back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: AL

Complaint narrative:
hunter Warfield has been damaging my credit and ive asked them recently to send me verfication of this apartment being mine and they have yet to respond since XX/XX/2018 and this has been affecting my credit for five years and no understanding or removing of this negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: CA

Complaint narrative:
Dear Mr or Mrs , My name is XXXX XXXX address is XXXX XXXX XXXX XXXX CA XXXX   SSN # is XXXX I started working to fix my credit on XX/XX/2018 with XX/XX/XXXX, XXXX  and Experian until now XX/XX/2018 still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge.

I already done with XXXX.

XXXX still working on it.

But Experian seem like they don't really care about my case. I don't remember how many call i had, who i spoke with and a lot of paper work send to my house. I was stress out.

I ask Experian for my credit report and received a report # XXXX for XX/XX/18 ( this is my second one i requested ) and i pretty sure i went to their website and dispute that account online and called dispute center to told them they need to start an investigate that account because it's not belong to me and they said it ' going to take around 30 days, ok i wait and keep checking my credit report online and today XX/XX/2018 at XXXX XXXX i called dispute center of Experian to ask what happen to the investigation and they said it's going to start today and i need to wait 30 days more. WHAT??? that's mean they did not not do anything to help me resolve my problem at all after i got my second report on XX/XX/2018.

My credit limit was lowered by 80 % and I can not do anything until this case is resolved. I was on the brink of buying a house for my family but due to this, I am forced to withhold the joy for my family. I am holding you responsible for this matter when it could have been dealt with at the beginning.

I willing to work with them to fix it but just let me wait for nothing.

I don't know how is this credit systems work but if Experian does not take that seriously please let me out of their systems because the way they work is hurting me so badly i don't see any benefit at this point.

Who going to help me out with this mess. After wait for 30 days for investigation and another 30 days is coming who going to guaranty with me this is a last 30 days.

Sincerely,

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I had a real good friend who has a checking account with SUNTRUST BANK in XXXX, Ga. He put me on his checking account in XX/XX/2008 after he had a real bad scare that he might die, instead he lost his right leg. He did this so that I could take care of his bills in case he couldnt. On or about XX/XX/2018 he had a massive XXXX  and was found by his EX DAUGHTER-IN-LAW and sent by ambulance to the emergency room. That left her with his keys to everything hes got, his wallet, identification and his ATM CARD without a pin number, she then took the ATM CARD and used it as a CREDIT CARD with no pin and charged over {$3000.00}. He then went to a nursing home for rehabilitation on XX/XX/2018. In the meantime I was trying to get in touch with him on the phone because we talked every week at least one maybe more. When I could not get him I called his grandson that was staying with him, the grandson told me a great big lie. So I kept trying to get my friend on the phone finally call me form the nursing home to tell me where he was at. He was took back to the EMERGENCY ROOM on XX/XX/2018 where he was put on a ventilator and couldnt communicate with anyone till his death on XX/XX/2018. I have documentation from the Sheriffs Department and the District Attorney Office that this is Transaction Card Fraud.

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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
SYNCB/XXXX we discussed back in XX/XX/2016 to have this collection removed off all three credit bureaus and updated but for them to list this as a charged off account and a negative account. we settled this for {$520.00} back in XX/XX/XXXX if i'm not mistaken

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 2018-12-18 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: PA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged Reference # : XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, all seem to now know who is responsible for my mortgages. I have a first and second mortgage. SPS says that they stopped servicing my mortgage a year ago, and gave me a letter stating this fact. 

So how do I get the liens released? I am requesting a full reconveyance of the liens for the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The loans have been charged off and there is XXXX balance owing as per the documents received by SPS. 

Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CBE GROUP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CBE GROUP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account H P SEARS CO, INC which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that H P SEARS CO, INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The collection company is I C SYSTEM INC. The original creditor is XXXX XXXX. I had an outstanding bill of {$440.00} in XX/XX/XXXX. I paid this amount inside a XXXX XXXX  store on XX/XX/XXXX in order to get my service at XXXX XXXX   started again. This company is trying to collect a debt that has already been paid to the original creditor. I called XXXX XXXX and they told me that I don't owe them anything. I called this company to let them know that they need to contact XXXX XXXX but they kept on with their collection and did not contact XXXX XXXX. XXXX XXXX would not have opened up my account again I'd I had not paid.

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 2018-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal put an account limitation on my account XXXX  days ago and I submitted the required documents so they removed it for less than XXXX hours and put another one on my account which again I submitted the required documents for them to remove it and XXXX  days later my account is still limited and I am no able to use my money that I have in PayPal or anything. I am XXXX and I explained this to them and I feel they are discriminating against me due to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: IL

Complaint narrative:
I have try to have these account that are a result of identiy theft removed or blocked per the fair credit reporting act section 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. and Equifax will not block o remove these accounts. as a result they are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: NY

Complaint narrative:
Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always ExperianXXXX that gives people headaches.

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 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
I opened a car loan XX/XX/2009 with Nicholas Financial for a XXXX XXXX. The loan was for 54 months at the payment was {$330.00}. I fell behind due to my grandmother getting ill and I had to travel back and forth to Florida to take care of her until she became so ill that I had to relocate. I tried to contact them on several occasions to discuss the situation but to no avail. My car was repoed and during the I was dealing with my grandmother I couldn't give it as much attention as I wanted to. However, I did call several times as well as sent a letter. 

Nicholas Financial sold the car in question and then requested an incorrect balance for me to pay. I am now in search to obtain housing for my grandmother and I and due to this incorrect balance/charge off showing it is very difficult to do so. 

I tried to contact Nicholas to deal with this matter but this time all my correspondence came back. Unfortunately nothing Nicholas financial  promised they did. I understand I'm responsible for the loan, but I truly tried to contact them prior to getting behind in my notes, while I was behind, during the repo process and afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-18 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: PA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account PHEAA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PHEAA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: NY

Complaint narrative:
Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always XXXXEquifax that gives people headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE : XX/XX/XXXXCOMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX BANK DATE :XX/XX/XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXand XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX COMPANY :  XXXX DATE :XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation