vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Company called while I was working and refuses to communicate unless I revealed personal information including SSN info. I refused to comply with that request but I called back to make sure I was speaking to a real rep. Unfortunately at this point I was hung up on. I called back and asked a gentleman for help and he raised his voice and yelled over me ... twice. Then he hung up. I called back and spoke to a female CSR and she also hung up on me after " reviewing '' my file. At this point, I think they were just running some kind of scam, since only a lack of oversite and leadership allows this unprofessional behavior but they did give a real business name, CBS Collections. 

No information about the " debt '' was ever discussed or disseminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have found that XXXX XXXX XXXX  have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. In review, I have never signed a HIPPA form authorizing you ( XXXX XXXX XXXX ) to have access to any of my medical records, files or information. Therefore, I am advising EQUIFAX that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. I am also requesting that you remove any and all negative reporting of this matter immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also sent via certified mail to XXXX XXXX XXXX  the same. Letter attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 unverified charges were made on my credit card totaling over {$1000.00}. I disputed these transactions, but BB & T decided that these charges were legitimate and will not reimburse me.

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 2019-10-15 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: MN

Complaint narrative:
I have been in contact wity Experian to dispute items on my Credit Report within the last month. my disputed items we handled however they continue to provide false Information when I apply for credit and on their site when i log in IN their website to review the information. I've talked Top representatives about this and they have told me they cant see what I see or what the credit companies I applied to are seeing. today after i waa denied a credit increase i requested the reason. i also logged into Experian to look at my report, count my accounts and add up all my balances. the numbers i came up with are different than what is being reported. also the information from Experian to XXXX XXXX, per the XXXX XXXX representative determined the denial which was all inacurrate. i have a total of 30 + closed accounts that are paid as agreed. all were in good standing. My history is well over 15 years old. i hace 1 negative item thats 2 years old. 5-6 hard inquires, i have 6 open accounts all in good standing, never late, and my total usage is below 30 %. total credit {$10000.00}. credit used : {$2800.00}, Available credit {$7400.00}. Via Experian.com my total credit is XXXX, utilization is 33 %, credit debt {$3400.00}. XXXX XXXX said Experian reported this about my credit : Too few accounts paid aa agreed, credit score XXXX as of XX/XX/XXXX, XXXX, Ratio of revolving balances to credit limit is too high, Insuffient # of satisfactory accounts, length of time accounts established, 2 many inquiries. accordinf to my own review of my credit they are reporting inacurrate information causing my score to be low and credit denials.

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 2019-10-15 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-15 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-15 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: FL

Complaint narrative:
I sent two certified letters to TransUnion on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and TransUnion has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. TransUnion has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to TransUnion that these accounts are mine. According to the Fair Credit Reporting Act, if TransUnion can not provide proof of the debt to me, they must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.

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 2019-10-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with Macys, and decided to pay the card in full back in XXXX. at that time I was not getting statements in the mail, they were being sent via email. 
so I proceeded to pay the card in full but they kept billing me {$2.00} as a service fee that I had no knowledge of, I pulled my credit XX/XX/XXXX XXXX and there is a charge off listed on my report. I would like to get this removed as I had no knowledge that a charge off was going to be placed on my account. 

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: KY

Complaint narrative:
I have excellent credit I am a XXXX employee 32 years salary {$120000.00} Spouse {$45000.00} home value according to a Realtor 's CMA {$350000.00} requested Cash out refi {$140000.00} no other debts I am only asking for less than 50 % of the home 's value Provident Funding refused to accept a valid appraisal from XXXX ( appraisal co ) They are discriminating against me because it is a " rural '' market. The appraisal is valid! Provident is redlining me because I live in rural area ... .less than 1 mile from the city limits of XXXX XXXX Ky

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
I DIDN'T AUTHORIZE THIS INQUIRES ; XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/2019 Automotive ( XXXX ) XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Real Estate and Public Accommodations XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 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 2019-10-15 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: ME

Complaint narrative:
I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : 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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in XX/XX/2017and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX is showing a inquiry on my Transunion report that isnt correct and was suppose to be removed but its still showing on my credit report inaccurately

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 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 Chase closed my account. Without any notice. The letter I received stated that funds would be sent out within 10 days from that date. Please see letter. I received a call from a representative who said it was mailed out on the XX/XX/XXXX. As of the date of this complaint. I have not received funds from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: FL

Complaint narrative:
I have an alert on my credit report that states : " Blocked For Promotional Purposes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Real Time Group, Inc.
State: VA

Complaint narrative:
I have disputed a reporting issue with a debt collector Real Time Solutions. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XXXX they bought the debt in XXXX and havent updated the file on XXXX   since XXXX. The Lien on the house was released in XXXX and they bought an unsecured debt in XXXX. They are reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to Real Time Solutions. I have also notified XXXX several times to no avail. They will only let Real Time Solutions change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with Real Time Solutions and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. Real Time Solutions is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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:
I sent two certified letters to Experian on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX, XXXX XXXX   and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and Experian has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. Experian has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to Experian that these accounts are mine. According to the Fair Credit Reporting Act, if Experian can not provide proof of the debt to me, it must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.

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 2019-10-15 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: NY

Complaint narrative:
You guys can't get this right my report is still inaccurate you are to update the status of all accounts to sold charge off because the status of the account is sold and charged off you are update all payment status to sold charge off because the account is sold not in collections HOW CAN A CREDITOR REPORT YOU IN COLLECTIONS WHEN HE SOLD THE ACCOUNT MY NEXT STEP IS TO SUE EXPERIAN

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 2019-10-15 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: FL

Complaint narrative:
I have an alert on my credit report that states : " Blocked For Promotional Purposes ''.

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: GA

Complaint narrative:
I was current at the time of Hurricane Irma which we were declared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX ( previous servicer ) put us on a 6 month FEMA disaster forbearance ( I am including a copy of the agreement ). At the end of the forbearance XXXX put us on another 6 month FEMA disaster forbearance starting on XXXX, XXXX ( a copy of the agreement is included ). This was granted because our damage wasnt significant enough to meet the deductible of the insurance to make a claim. The insurance company raised the deductible due to the hurricane to 5 % of the total value of the home instead of the {$1000.00} normal deductible. The deductible was then {$7000.00} so the forbearance was our only means of assistance to pay for the recovery. At that time we had a XXXX XXXX loan who promised to do a streamline disaster modification at the end. 
Then on XX/XX/XXXX we were hit by Hurricane Michael. XXXX was trying to find out from XXXX XXXX whether to do another forbearance or go ahead and do the modification. Because this was a complex issue with the second disaster they were waiting on XXXX XXXX for the guidance on what to do. 
On XX/XX/XXXX we received notice of a service transfer to XXXX finance so we were told the wait until we arrived at the new servicer to do the next forbearance or modification. 
Then on XX/XX/XXXX we received notice we would be transferred to Kondour capital starting XX/XX/XXXX who has refused to honor the previous commitments and agreements made by the previous servicer. 
We have sent them copies of the agreements and begged them for help but so far they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC
State: NJ

Complaint narrative:
They claim my credit score is below 700, when actually it is above 710

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: McCalla Raymer Leibert Pierce, LLC
State: FL

Complaint narrative:
Trillions of dollars criminal conspiracy, after the manner of disbarred for life, Infamous XXXX XXXX. XXXX, lawyer and his law firm with over 1,000 attorneys : 1. FREDDIE MAC lawyers ; 2. Host of Dept collection companies and their lawyers ; 3, McCalla Raymer, LLC, criminal enterprise of law firms and their attorneys ; 4. XXXX County, Florida Judges, but not limited to.

Manufacturing, forgery, perjuring and peddling in American courts of law, 100 % fraudulent mortgage note transfers, giving and accepting bribes and kick backs, extortion, blackmails, threats to kill for investigating and/or exposing their criminal scam. Police harassment, threats of murder, jail and imprison in order to prevent legitimate investigation of above named co-conspirators. Conspiracy to obstruct justice and steal from millions of American families their homesteads, who are left homeless, often divorced, destitute, depressed, suicidal, dead, and children orphaned, but not limited to. XXXX XXXX XXXX XXXX has 30 years of evidence of above stated fact. See XXXX County Florida cases : XXXX ; XXXX. XXXX ; XXXX ; XXXX ; but not limited to.

Company response to consumer: Closed with explanation