vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX XXXX Department. XXXX XXXX has also listed me in the XXXX XXXX under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the check system. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX Fraud Department. XXXX XXXX has also listed me in the XXXX XXXX  under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.

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 2019-07-23 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: FL

Complaint narrative:
Discrepancy on the credit bureau report for experian and XXXX. It has been 6 months already with no resolution regarding this matter. The accounts for XXXX  XXXX Credit Card, XXXX XXXX/ XXXX XXXX  that were deleted from XXXX  report are reporting on XXXX  and experian being the same accounts. As far as I understand the creditor are the one who authorize the removal or deletion of the account from the credit report, how comes XXXX  had deleted this 2 accounts and experian and XXXX  has not. Attached the 3 credits reports from XXXX  XXXX  and XXXX  comparison in order to view in detail the reporting discrepancy.

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have not used this card in over two years and do not recall receiving any paper bills. They say I owe them a {$99.00} membership fee, but I didn't even realize I still had an open account with Citi. I never sign up for paperless billing with any financial institution for this very reason. I get over 100 emails daily and if I don't recognize the sender it gets deleted. Citi needs to provide proof that I knowingly enrolled in paperless billing. Otherwise, had I been aware of the {$99.00} membership fee sooner I would have canceled my account immediately which I did once the only email I recall receiving from them saying I had a past due payment due. It's ludicrous that financial institutions find clever ways to trick customers into paperless billing so they can milk more money out of every one. I've spoken with many so-called customer service reps, supervisor 's and escalation specialists at Citi. In my opinion, Citi has the absolute WORST customer service of any financial institution I've ever dealt with. I will avoid doing business with Citi at all costs in the future.

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 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I been disputing a medical collection w/ IC system since XX/XX/2018. Had three charges. One charge of {$50.00} was removed but left with other 2 charges one for {$200.00} and {$460.00}. I had full  cover insurance ( XXXX ) for my self and XXXXkids at the time of service. If they removed one charge of {$50.00} dollars it's because I m correct. They have not removed the other two charges. I had send them copy 's of my insurance.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE REMOVE ANY AND ALL FRUAD ALERTS and Freezes FROM MY CREDIT FILE 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 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In the attempt to make a payment on the due date, it processed the next business day leading to a late fee for an account that I made full payment. In addition to the late fee I received finance fees for an account that should be interest free based on the amount of the purchase ( promo ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
My account has been paid monthly through a debt collection company beginning XXXX XXXX for the balance of {$1000.00}. I successfully completed my payments with Phoenix Recovery XX/XX/XXXX by making a phone call directly to them and paying my remaining balance in full. Since then I have continued to be harassed for my balance owed, which should be {$0.00}, via phone calls and an email I received today from XXXX XXXX. XXXX email stated that I had not cooperated in paying off my balance, I was sent a letter to dispute ( which I never received ). Her letter stated my account would be reported to my credit report as well and possibly turned over to a lawyer. I just recently disputed with XXXX, which was successfully removed, and XXXX  this account on my report because it was successfully paid off in full. I worked hard to pay off this balance and do not appreciate being told that my credit will be damaged for an account already payed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bepensa Capital, Inc.
State: GA

Complaint narrative:
So I bought a car from a used car dealership in XXXX called XXXX XXXX XXXX. I purchased a used ( XXXX ) miles when I purchased 2018 XXXX XXXX. It was sold to me at XXXX and had the pretense that it was new and not heavily damaged upon purchase. The entire loan process was extremely shady, the company, unable to get me a loan, ran my credit a total of 12 times ( without telling me that they were doing so ) until they finally found a finance company, Credito Real USA who decided to loan to me. At a whopping 24.95 interested rate that turned my originally XXXX financed into an astounding XXXX, they hassled me for documents for proof of residence even after I'd signed all the paper work and they'd agreed to lease to me and when I couldn't provide it ( I am currently in a between situations as far as living, I am a XXXX year old, XXXX American female who is a college student and not extremely financially literate, they decided to put a GPS in my car, turns out I ended up having to pay an extra XXXX to put it in my car which was not stated in the contract or they would take the car away, knowing I was in a desperate situation, I had to pay the money. A few months go by and the car turns out to have been in an accident, and has several major issues wrong with it that prevent it from being driven safely. I go to the dealership and the car requires over XXXX in repairs to run properly and that wouldn't even come with a gaurentee that it would continue to run well in the future. So having no other option because I don't have XXXX laying around, especially after I just purchased what was supposed to be a new vehicle, but to have the finance company come reposess the vehicle. This of course is going to completely tarnish my credit for 7 years, and now I am in a horrible situation because of unethical business practices along with predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE REMOVE ANY AND ALL FRUAD ALERTS and Freezes FROM MY CREDIT FILE 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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE REMOVE ANY AND ALL FRUAD ALERTS and Freezes FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: LA

Complaint narrative:
Americollect is reporting two medical debts that are not mines. Never heard of or seen this Doctor. They have not provided the proper debt validity for these accounts as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed the amount of HOA ( home owner association ) fees. When amount is in dispute or not correct, homeowner is not required to make payment on disputed amount. HOA egregiously reported amount in dispute to credit bureau as late payment. Once account was reconciled, bill was immediately paid, however HOA and credit bureaus have been negligent in removing late payment from credit reports.

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I went overseas the XX/XX/XXXX thru the XX/XX/XXXX. I informed HSBC Bank that I was doing such, and that I would be taking and using both my advance card as well as the premier card in XXXX. On the XX/XX/XXXX, I, and family and friends went to a big department store to purchase items for them..total bill was {$290.00}, to my surprise at the register with all looking both of my cards were declined. Again the same day, we went to purchase food for the babies, as well as ourselves and again both cards were declined. 
I called the card people and spoke with supervisor XXXX who advised me that the caards are both in good shape, order and standing, and both paid way ahead. I asked her then why declined?? She proceeded to say it was a chip in the card and or the stores computers did not work. REALLY!!!!!!! She apologized and said that both cards are ok to use.I waited two days then went to purchase at a very exclusive jewelry store a bracelet for my lady, and WOW ... ... again declined, my daughter had again to pay cash for this as well as the other two stated above. Again I called these folks and this supervisor now advised me that their was a big robbery, fraud investigation, worldwide breach, and theft at the corporate level and all card were being declined. 
Back to NYC, I called and spoke to XXXX XXXX, who apologized and advised me to proceed with whatever I wish to do. 
On XX/XX/2019, this same card was used six ( 6 ) times by criminals in Maryland and Conn. and out of the 6 times the card was used the great HSBC Bank approved the criminal activity and yet this senior citizen is having to fight to get justice from this fortune 500 company to try to get his money back to reimburse his daughter to be who paid for this banks stupidity, negligence, and ignorance, on a card that was well ok from the very beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please REMOVE any and all fraud alerts and freezes on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I have been trying to get a copy of my promissory notes for both mortgages. I have a company that is trying to help me save my house. I have had some major life changes and with XXXX kids in the home Im trying everything possible to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I disputed a couple items on my Equifax report on XX/XX/2019. I disputed a violation on a XXXX XXXX account where a charge off is listed with a balance owed. ( see attachment ) which is a violation. When charged off the balance needs to be listed as zero. Equifax was showing a balance due. I disputed it. They affirmed it was correct - a direct violation. I also disputed XXXX reporting a balance owed on a charged off account. This is also not allowed. As you can see from the letter sent to them these are the only violations I sent. However, I received a letter from my OPEN XXXX  XXXX account that says I disputed their reporting which could have jeopardized my account with them and I NEVER EVER disputed this account. So why in the world would Equifax send them a notice I disputed the account when I didnt? WHAT THE HECK??? Equifax in in violation and lying about my disputes by sending a statement of dispute to XXXX XXXX. When I called XXXX XXXX, they affirmed that the attached letter of XXXX XXXX, and XXXX were the only accounts disputed and the Equifax falsified a statement that I disputed my account with XXXX XXXX. Since they have no stake in this matter I called Equifax 2 times and asked to discuss this. They stated call back in 30 minutes both times as their " system was updating ''. I waited 90 minutes between calls as evidenced in attached files. These 3 issues are a total violation of my rights. I have documentation on all of this, and its attached. The only acceptable solution is a statement that they are wrong for stating that I claimed their was a dispute on my XXXX XXXX account as well as to make sure there are no statments on that account stating disputed. Furthermore both the XXXX XXXX Account and the XXXX account that they verified as accurately reporting that are not to be immediately deleted as per the FCRA. I want all this managed immediately. There is no other acceptable solution, however a lawsuit is also a possibility since Equifax has commited 3 violations against me and is harming my reputation with current and future creditors based on their poor business practices. I have disputed XXXX XXXX and XXXX several times and Equifax has failed to acutally do an investigation and prove that their reorting is accurate. They are still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please REMOVE any and all fraud alerts and freezes on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please REMOVE any and all fraud alerts and freezes on my credit file.

Company response to consumer: Closed with explanation