vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 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: SC

Complaint narrative:
Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in 2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called Experian and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.

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 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I opened a business charge account with American Express. However, when I closed the business, AmEx converted the debt to personal debt and hammered my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
**UDAAP ALERT** I've had the Chase United Mileage Plus Visa for a few years and this card has offered an annual mileage reward as well as other benefits and protections that have been eliminated or reduced without proper notification. My anniversary month is XX/XX/XXXX, so I just officially discovered that the annual reward and price and return protection are no longer provided and also they reduced trip cancellation and coverage. Everything on Chase 's site regarding the United MileagePlus Credit Card benefits sends us back to United. This seems unfair as the information was not provided in advance and there are significantly reduced changes in the rewards while the annual fee remains at {$95.00} annually. If the information was provided, it was not done so in a way that was clear to the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: SC

Complaint narrative:
Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in XX/XX/2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called XXXX  and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.

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 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and TransUnion Credit Reporting Agencies  are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both XXXX and TransUnion are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

XXXX and TransUnion further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX  account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.

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 2019-03-03 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: Clarity Services
State: FL

Complaint narrative:
It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my mentally XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX, XXXX, XXXX credit scores and credit reports my mentally XXXX adult son and the mental XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that XXXX why I haven't pursued criminal charges or law enforcement presents in the fraud situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I applied and was approved for the XXXX XXXX XXXXd on XX/XX/XXXX. I signed up because I had a 50,000 point welcome bonus after spending {$2000.00} in the first 3 months. I chatted with American Express on XX/XX/XXXX to make sure I was eligible for the bonus and the agent confirmed that I was and repeated the bonus that I signed up fo back to me. I paid the annual fee ( {$250.00} ), put over {$2000.00} of spend on the card. Then I chatted with American Express on XX/XX/XXXX to find out when I would be receiving my bonus. The agent tells me that I won't be because I am not eligible. Then I ask if I could get a prorated annual fee credit for cancelling. Nope! That is some major bait and switch. I never received a pop up saying I wasn't eligible for the bonus and an American Express agent even confirmed I was eligible after signing up. The agent I talked to on XX/XX/XXXX told me I would have had to cancel the card in 30 days to get an annual fee credit. If I would have known I wasn't getting the bonus I wouldn't have signed up for the card! Really shady business practice and false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your  claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: MO

Complaint narrative:
I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.

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 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 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: Nelnet, Inc.
State: NY

Complaint narrative:
Hello there, Recently I have been going through all my finances and my credit report, and it has come to my attention that Nelnet, my student loan servicer, has been reporting that I have had scheduled loan payments dating back to XX/XX/XXXX. This is incorrect because I received a letter back in XX/XX/XXXX in the mail, saying that my first payment was not until XX/XX/XXXX. I also went online to check my Nelnet statements, and for the month of XX/XX/XXXX and XX/XX/XXXX, it says the same thing. In early XX/XX/XXXX, I called for a forbearance which I received, so there is no mistake for the month of XX/XX/XXXX, but for the month of XX/XX/XXXX and XX/XX/XXXX, Nelnet has been providing false credit reporting. Because of this, my credit score has  decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: MO

Complaint narrative:
I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: MO

Complaint narrative:
I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.

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 2019-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2019 I tried to submit a dispute on my experian credit report. After submitting all the information they ( experian ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX XXXX XXXX XXXX is paid in full ... .XXXX XXXX XXXX has fraudulant charges ... ..XXXX XXXX was verified as never paid late ... .and XXXX XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but experian won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.

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 2019-03-03 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir/Ma'am, Good afternoon! I bought a mattress from XXXX XXXX  in XXXX  XXXX, VA in XX/XX/XXXX and used financing through Wells Fargo to pay it off in installments. Shortly after that, military obligations caused me to move to XXXX XXXX, CA. I had trouble getting auto payments set up after getting calls and calling Wells Fargo several times. I would get calls that the payment was due, I would pay it, and then ask why auto pay was not taking out the payments. After a few months of this happening, I then ended up deploying. When I returned the account had gone to collections and also been charged off. I received no emails about any of this happening. I then settled the entire account balance with Wells Fargo in XX/XX/XXXX. My credit score had been increasing, due to no other negative remarks, and so I decided to send Wells Fargo a letter asking for a possible goodwill adjustment. The request was declined, but then I noticed that I had taken another big hit to my credit score. When I looked, Wells Fargo had updated the date reported on my account to XX/XX/XXXX. I'm not sure if they have the right to do this, but it seems unfair that an old debt could come back and negatively affect me well after it's been paid off and settled. I would just like some clarification as Wells Fargo has been unwilling to help me or give me answers. Thank you very much! 

Regards, 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 2019-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today XX/XX/2019 I tried to submit a dispute on my XXXX credit report. After submitting all the information they ( XXXX ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX  XXXX XXXX XXXX is paid in full ... .XXXX XXXX   XXXX has fraudulant charges ... .XXXX XXXX was verified as never paid late ... .and XXXX   XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but XXXX   won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.

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 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
credit has been identified as FAILED TO PAY yet loan owner has NEVER sent a bill or notice of amounts, invoice or other invoice to advise repayment has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCHRONY Bank automatically and without notice reduced the credit limit on the card from {$790.00} to {$380.00} which immediately reduced my credit score significantly immediately after I paid {$300.00} to reduced the balance on the card. Then a week ago SYNCHRONY Bank automatically closed the card advising me via phone conversation that the card was over the credit limit when the card was not over the credit limit/. SYNCHRONY Bank failed to credit a payment of {$100.00} made on the card two weeks prior to the closing of the card. There have been no delinquent or late payments payments due on the card. This is not the first problem I and other customers have had problems with SYNCHRONY Bank and it fraudulent banking practices. ( https : //www.complaintsboard.com/? search=Synchrony+Bank ). 

SYNCHRONY Bank had a habit of closing account for any alleged reason, continuing to bill the customer and in the meantime write off the balance on the card, sell the card to a debt collector and the debt collector attempts to continues to collect the amount owed on the card after SYNCHRONY Bank closed the card and collected funds. I am requesting a thorough investigation of SYNCHRONY Bank and its fraudulent banking practices which has caused harm to thousands of customers and losses to businesses whose finances/store/credit cards are managed by SYNCHRONY Bank.

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