vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to XXXX XXXX XXXX Immediately. 

Update XXXX XXXX to XXXX XXXX XXXX XXXX because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and TransUnion is reporting that I was late 120 days. However XXXX is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and TransUnion is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX  and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However TransUnion is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There were 2 unauthorized charges that were taken from my TD Bank checking account ending in XXXX. On XX/XX/2018, there was a {$1000.00} debit from " XXXX XXXX XXXX   XXXX XXXX ''. On XX/XX/2018, there was a {$120.00} debit from " XXXX XXXX XXXX XXXX ''. I reported this fraudulent / unauthorized debit promptly to the branch manager who said he would take care of this and get it credited. I filed a dispute online a few times through the bank 's website. I went to the branch when told I had to and filled out paperwork. I was told then that both charges would be credited back to my account. However, the money has not been refunded. I have been in touch with TD Bank about this for well over a year now. Their latest strategy has been to simply ignore my emails. There was fraud on the account, and those amounts should be credited to me. If their own employees do not properly file the fraud or inform me of the procedures to follow, that should not be held against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 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:
Good morning, On XX/XX/XXXX we bought 4 airplane tickets for a trip to XXXX for XX/XX/XXXX but we were given 3 tickets + XXXX infant on lap ticket. 
XX/XX/XXXX - XX/XX/XXXX : we have tried to fix this issue with the travel website to no avail ( proof phone records and multiple emails ). 
XX/XX/XXXX : we wanted to dispute the charge and XXXX, one of the Chase employees told us to travel like this and then dispute. 
We had asked the travel website about canceling and we were told we had to submit certain paperwork. We DID NOT submit any cancellation paperwork XX/XX/XXXX : we faxed in our dispute and the documents proving we were not going to receive the 4th ticket. 
End of XX/XX/XXXX : we bought new tickets with a different company XX/XX/XXXX : travel website sent email they are willing to work with us and admit their error if we do not dispute the charge XX/XX/XXXX : credit card company requested us to fill out forms and reply to the documents sent by the travel website. One of the forms asked if we had cancelled the tickets. We said yes, since on XX/XX/XXXX we had replied to the travel website that we will not be using their tickets. We have never submitted the required paperwork for cancellation. We have also provided the email with the travel website admitting we were given 3 tickets + infant instead of 4. 

XX/XX/XXXX XXXX, Chase customer service representative told us we can't dispute the charge since the travel website was willing to work with us a few days prior to your departure date. He also said that 3/ 4 tickets were correct therefore the purchase was correct. How long should we have waited for the travel agency to fix this? They only acknowledged their error 6 days prior to our trip and even then we had no guarantees. XXXX said we had only contacted the travel website once even though we had provided 4 emails already to Chse. After the phone conversation we sent the credit company multiple other emails showing our prior attempts at reconciling this. 
XX/XX/XXXX the charge was reinstated with the explanation that we had cancelled the tickets even though the tickets were non-refundable. We have replied that we disputed the charge because we had paid for 4 tickets but had only gotten 3 and XXXX lap infant ticket. We had never filled out the cancellation paperwork and asked the credit company to provide a valid explanation as to why the charge was reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient representative contacted a family member of mine and disclosed to them the nature of the debt. This family member does not live with me, they are not a cosigner but rather just a reference. My family member did not ask the nature of the debt. Navient volunteered that personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.

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 2019-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC
State: NV

Complaint narrative:
XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT MANAGEMENT  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.

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 2019-09-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. Resurgent is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC XXXX XXXX XXXX LOAN I have been trying to pay down my Home Equity Loan from HSBC since last year and every time I try to submit a check or online/telephone banking payment to HCBS they are unsuccessful. Instead they keep charging me interest every month and failing to accept my payments. 
When I have sent a check they have been sent back to me, when I go into a branch they tell me they are unable to complete the payment because the Home Equity Loan is managed by a subcontractor and they are unable to reach the right person, when I call HSBC the same thing happens. I have escalated this several times at HSBC, both via my Premier relationship manager and via the HSBC XXXX call center, and every time they say they will try to connect me with the right person to help process the payment on my loan, but they either leave me on hold for extensive periods of time or they ask me to call back/visit a branch. It's been going on for about a year and I don't know what to do other than file a formal complaint. I have asked that the bank keep a record of every time I have visited a branch, submitted a check, or called the call center to pay the loan. There are funds in my checking account to pay down this loan, so I have no problem to prove source of funds. I just would like your help getting HSBC to accept payment, and also to reverse the interest charges that have been applied since I started to attempt paying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/19 i called citizens bank to close 2 savings and 2 checking accounts on  XX/XX/19. they said they could close 3 accounts but one had a debit that a  deposit was needed to clear. i deosited the money via eft while we were talking. i was supposed to recieve an email notice saying the accounts were closed. 

i called back XX/XX/19 to close the last of the 4 accounts and it had another debit which i then had to make another deposit to correct. also 2 of the 4 accounts had not been closed which they said they had the previous call. again was told that the 2 accounts were closed and i would recieve confirmation. 

called again XX/XX/19 and was told all accounts were closed but i still do not have any email or other confirmation from them that my accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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:
The credit bureaus are reporting erroreous information 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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and XXXX is reporting that I was late 120 days. However Experian is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. Eperian and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. Experian and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :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 2019-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems representing XXXX XXXX ' XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 XXXX XXXX ' XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XX/XX/2019 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$150.00} Dear MERCHANTS CREDIT GUIDE, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( Equifax, XXXX and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.

Company response to consumer: Closed with non-monetary relief