vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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: FL

Complaint narrative:
I have an XXXX account with no limit but Experian reports that I have {$1600.00} limit or {$0.00} limit instead of just being N/A and whenever I use the card the balance owed make my usage above 500 % which lower my score. 
I'm supposed to have no limit on that card. Spoke already with both XXXX and Experian and each ignore and sends me back to the other company. I will file a lawsuit against both if not fixed as it damages my score and I can't get my mortgage for it XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XXXX XXXX Usage XXXX XXXX Balance {$6900.00} Balance Updated XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2019 I went to my local XXXX store in XXXX Tn and singed up for the Veterans phone plan with financing for 2 XXXX phones. The XXXX of the store informed me that because my husband was a veteran we qualified for this plan and that it could be in my name since we were married. However this information was incorrect and according to XXXX policy the plan had to be in my husbands name, which we found out a few days later when I tried to verify his veterans status and was unable to do so since the account was in my name. We then had to go back into the store and switch the entire account including the phones financed into his name. At this point I called XXXX and asked them to remove the hard inquiry from my credit score since it was not fair to have an inquiry on my account for a phone plan they had sold me using false information. They agreed that this was reasonable and that they would authorize the removal but that I needed to contact consumer finance to get the hard inquiry removed with the credit reporting agency 's via a letter of deletion. On XX/XX/2019 I contacted Trans-union, XXXX, and XXXX the 3 credit reporting organizations which I know about and tried to dispute this hard inquiry. As of today only XXXX has record of it however I assume that it will show up on the other 2 scores at some point in the future and I need a letter of deletion so that I can dispute all 3 as they appear on my score.

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 2019-04-29 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: WA

Complaint narrative:
on XX/XX/2018 my account with XXXX  acct XXXX, whom was my mortgage company was payed in full..i then wrote a complaint here regarding the incorrect report to XXXX, transunion and XXXX   regarding the listing of status of loan..in which at that time still listed the account as 120 late but with no past due and XXXX  balance.. XXXX  did correctly list the payed off account as paid in full with lates ..which is correct..but to this day on the transunion and XXXX   account reporting it states : status of account. 120 late..in which is not correct..also the two are reporting just no past due..XXXX  balance..

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/2019, I sent two separate certified letters to Portfolio Recovery about two separate accounts # XXXX claiming I owe {$1000.00} and # XXXXclaiming I owe {$1000.00}. I asked that they verify that I owe for the two accounts by sending me a contract bearing my signature. Instead they sent me printouts, nothing bearing my signature. Also they responded referring to one account # XXXX. claiming I owe {$1000.00} where credit report says otherwise. Also they inserted that it is being disputed and customer disagrees. I was not notified about the account # XXXX claiming I owe {$1000.00} within the 30 day period of my dispute. Which cause Portfolio Recovery to be in violation of the FDCPA and FCRA. Portfolio is also in violation of the FCRA and FDCPA for not providing me proof of contract bearing my signature within the 30 day period. Therefore, Portfolio has violated the FCRA and FDCPA on both accounts # XXXX claiming I owe {$1000.00} and XXXX claiming I owe {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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:
XXXX XXXX  fraudulent accounts has been reporting under my name with experian and XXXX, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
thank you

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 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Over the last 20 days, the average calls per day is 7. 
Calls are made at all hours. Some at XXXX, some at XXXX. 
I have called them and asked them to stop calling. They say they will, but it continues. 
They use abusive language, threats and curse words, even after I tell them that they have the wrong number. 
I verified my number is on the DNC list and threatened to file a complaint. They laughed. 
Please help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
In XX/XX/2014 a medical " debt '' was sent to XXXX XXXX by XXXX XXXX XXXX XXXX   Through deceptive practices and supposedly " running my insurance incorrectly '' a dental procedure which they stated would be around {$40.00} suddenly ballooned up 1000 % more to over {$400.00}. They sent several invoices for this debt and each time I called them and asked them to look into the account. They said they would do an audit of my account and get back to them. I never heard from them until they sent the next invoice. Finally I get a notice from XXXX threatening to ruin my credit, which apparently they have attempted to do since they are on my credit report. The company outside of that one notice has never attempted to collect the debt, no subsequent phone calls or letters to collect. I think this should be removed from my credit report as both these companies acted inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX Credit cards / Synchrony Bank is charging a " Card Security '' fee monthly. You are auto enrolled into this program with sign up, without explanation. Upon speaking to customer service regarding a refund, they state they are unable to. These are shady business practices. I have been charged monthly since XX/XX/2011. The fees are up to around {$150.00} a month now. Paying the bill every month, yet my balance goes up. Never told that I was enrolled in this program, never told this was an optional fee.

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 monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
one XXXX fraudulent accounts has been reporting under my name with XXXX and transunion, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
thank you

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 2019-04-29 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
To : CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Consumer Portfolio Services put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: GA

Complaint narrative:
Equifax is reporting my social incorrect. The are the only bureau reporting it and I have disputed it with them and they haven't fixed it. 
They still have my social off by 1 digit and there are several accounts only on Equifax that are not mine & I have never done business with. If they fix my social all those invalid accounts would come off as they are affiliated with that social. 
Because of Equifax not fixing this is has caused me to lose the financing of my house. 
Because of this I have contacted an attorney. 
This is an obvious violation and inaccurate info and I DEMAND it be fixed and the CFPB should demand it be fixed before they allow Equifax to close this complaint. 
I have attached proof of my social and PROOF that they are reporting my social wrong along with all the accounts affiliated with it. 
I am prepared to go further with legal action as long or as far as I need to take it. I am so tired of fighting this and them not being accountable. You guys are ruining my life! 
Do your job and fix it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR

Complaint narrative:
First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX XXXX XXXX XXXX. The dates they had at XXXX XXXX XXXX did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with XXXX XXXX XXXX and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe XXXX, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.

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 2019-04-29 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: OH

Complaint narrative:
I have some problems with my report and things on there that do not belong to me. I have never lived in New York in my life and their are numbers on my account that I am not familiar with at all. 
Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am not sure if these belong to a relative or Ex boyfriend but these numbers dont belong to me please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2019 : Applied for a Chase/United Airlines credit card using an offer code that I received aboard a recent XXXX flight. The promotion offered 50,000 air miles if I spent {$3000.00} in the next 3 months. 

On XX/XX/2019 and XX/XX/2019 : Received an email saying I was approved for a United Explorer card for  which I would 40,000 miles if I spent {$2000.00} in 2 months and 20,000 more if I spent another {$8000.00} ( total of {$10000.00} ). I immediately called to complain and was told I would have to call back when their " partner verification process was complete in 3-5 days ''. 

XX/XX/2019 thru XX/XX/2019 : I called every day from the 3rd day on to try to resolve the issue and was told everyday that the " verification process '' was not complete even though I had already been approved. Finally, on about XX/XX/XXXX I was told it was complete and they would expedite the delivery of my card because of the delays. I asked about the issue with the wrong promotion and was told the matter would be forwarded for resolution and that someone would get back to me within 7-10 days. 

XX/XX/2019 : I received my card via expedited delivery. 

XX/XX/2019 : I did not receive a response within the 7-10 days so I called. I was told that the matter was closed with no action because I received a " better '' offer than I applied for and so they could not " downgrade me ''. I asked what they meant about better offer and they said since I had the potential of getting 65K miles versus the 50K that was on my promotion it was considered a " complementary upgrade so now I can not be downgraded ''. I explained that I understood why it's an upgrade for THEM, but not for ME, since now I have to spend {$10000.00}, but I only intended to spend {$3000.00} so now I only get 40K miles for my {$3000.00} instead of the advertised 50K miles. I asked to speak to a supervisor and was told exactly the same thing ( i.e., " we can't downgrade your offer '' ) by the supervisor. I have the names of the representative and supervisor if that is needed. He was told I would receive a letter about the " resolution '' of my initial complaint in the mail, but that has never happened. 

I asked for another supervisor, but was told that there was no one above him that was available by phone. I was told that I could write to the company headquarters, but they will tell you the same thing. I reiterated that I thought that it was false advertising since I had no intention of spending {$10000.00} and that I just wanted the promotion that I applied for. Again ... '' sorry, can't be downgraded ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management continues to harass both myself and my family members about a Debt that they refuse to send a debt validation letter to. I have contacted Midland Credit management requesting that they send me a debt validation letter and they refuse to send me a copy of the letter, when i spoke to an agent she was extremely disrespectful and told me a letter was sent out at the beginning of XXXX which i did not receive when asking for them to send me another copy of the debt validation letter as i let her know i did not receive it she refused to send one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called Experian, XXXX, and XXXX multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.

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 2019-04-29 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: Credit Plus Inc
State: GA

Complaint narrative:
To : CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Credit Plus put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation