vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called XXXX. 

Recieved an update on bankruptcy dispute with Experian on XX/XX/XXXX stating that company verfied information with Experian and was accurate.Experian didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Just released from XXXX XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX  XXXX {$750.00} Account 3, XXXX XXXX {$550.00} Account 4, XXXX XXXX {$690.00} Account 5, XXXX XXXX {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}

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 2019-04-30 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: OH

Complaint narrative:
Filed lost identity report and fraud, on my credit report, but they refuse to correct the information.

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 2019-04-30 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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Filed lost identity report and fraud, on my credit report, but they refuse to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Under the FACT Act amendments to the Fair Credit Reporting Act, I am entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. 
On XXXX2019 I sent in the mail in form to ( Annual Credit Report Request Services XXXX XXXX  XXXX XXXX, GA XXXX ) On XXXX2019 I received a response in the mail from all three nationwide credit reporting agencies XXXX, XXXX, and TransUnion. Both XXXX and XXXX gave me my Credit report as required by law, TransUnion did not. In the letter TransUnion sent me it explained that I am required to send private and confidential sensitive information through the mail to confirm my mailing address, although my address has not changed for almost 5 years. They included a form to get me to pay for a record that the law mandates they release to me free of charge one per every 12 months. 
I believe they are committing fraud and false advertising as well as breaking the law through constructive fraud by complicating the process for me to get my credit report. I believe they are holding my records hostage and withholding them for payment making it more difficult to get a free copy according to law and making receiving a forced purchased record easier. I believe this is criminal or something is seriously wrong, please investigate conduct an audit and let me know as soon as possible as to what has been uncovered by the investigation/inquiry. I want my Free Credit Report from TransUnion sent to me as they are required by Law to do so. I should not have to jump through any hoops when there is no law requiring me to do so, and there is no security freeze or red flags on my record that would justify these unethical practices. If TransUnion sends me my one free hard copy of my annual Credit Report this will resolve my complaint. Thank you. 

Please only contact/respond to me by US Postal Mail. Also please send me a copy of my complaint and the complaint number for my records, 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 2019-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: SC

Complaint narrative:
ECMC is currently collecting for a loan they have yet to validate. Nonetheless, due to unlawful wage garnishments that I never received notice for a few years ago as well as offset tax refunds that were never applied to the loan amount, I reached out to figure out how to resolve this issue. This has caused me much hardship and has burdened me for years and now they are adding unfair collection charges to the debt without explanation. In just one month the loan amount went up over {$1000.00}. I have educated them that I am unemployed and have been now for over a year. They refuse to offer a hardship deferment and ignore my emails. They have been threatening to garnish more wages and offset my taxes, but again I do not work. This is causing me so much stress and they are unwilling to do anything other than tack on more fees and try to collect money I dont have for a loan I dont have validation for from my school or anywhere.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called PACER. 

Recieved an update on bankruptcy dispute with XXXX on XX/XX/XXXX stating that company verfied information with XXXX and was accurate.XXXX didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information

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 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
This is a follow up to a complaint with you regarding Amerisave Complaint # XXXX I rebuttled their response to the complaint. But I still can't close with XXXX because Amerisave still has it noted that I have an open account interest per MER 's. I need a cancellation letter per XXXX. Amerisave has been notified multiple times again. Yet haven't responded or done their part to close my interest with them. I need CFPB to help them do their job in a timely matter. I need to close with XXXX this week, otherwise I have to pay XX/XX/XXXX mortgage payment. This problem has lingered since XX/XX/XXXX let me remind everyone!

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was looking at my credit report and didn't recognize a lot of the items. I didn't apply for them and need these items removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: LA

Complaint narrative:
I was looking at my credit and noticed a lot of stuff on there that wasn't mine and I didn't recognize. I really need to get these items off. They are messing up my credit and my life.

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 2019-04-30 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: GA

Complaint narrative:
XXXX XXXX is reporting a debt on my credit report that they do not have collection authority for. This debt collector represents an inactive debt and is a duplicate reporting. This debt is currently being pursued by another debt collector, effective XX/XX/19. Per the FCRA, a collection agency must validate the debt by proving it is an active debt within 30 days. I have made several attempts to have the credit reporting bureau remove this the debt but they have not complied.

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 2019-04-30 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: LA

Complaint narrative:
I noticed several items on my credit that I didn't recognize nor did I apply for. I need these items to be removed from credit immediately. They are messing up my credit and my life.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE ASKED EXPERIAN TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.

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 2019-04-30 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: GA

Complaint narrative:
XXXX XXXX is reporting a debt on my credit report that they do not have collection authority for. This debt collector represents an inactive debt and is a duplicate reporting. This debt is currently being pursued by another debt collector, effective XX/XX/19. Per the FCRA, a collection agency must validate the debt by proving it is an active debt within 30 days. I have made several attempts to have the credit reporting bureau remove this the debt but they have not complied.

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 2019-04-30 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: CA

Complaint narrative:
I HAVE ASKED XXXX TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.

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 2019-04-30 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple large transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00} Filed fraud claim with Chase Bank as soon as I noticed these charges. 

Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and sent me a letter notifying me that these unauthorized transactions were authorized???? 

On XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. 

After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. 

Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud Analyst. 

After calling the number, the associate said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. 

They did not provide me with what products or services were purchased/provided, nor could they tell me anything about the charging merchant. 

I am now stuck with over {$12000.00} of extra credit card debt that I did not make with no help from my bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America ate my deposits, my merchant money and my XXXX transfers. They charged unusual fees and because of these issues my checks bounced and made me look irresponsible.

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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I have told Covington Credit/Southern Management Corporation numerous times in past 2 months to stop calling me as I have setup arrangements with them but they continue to call once payment arrangements are setup and they continue to call me by my maiden name as I have gotten married and my name has changed which I told them about and they say they changed but again continue to call me by my married name. My most recent call as of yesterday XX/XX/19 they called and asked for my maiden but then at the end of the call called me Mrs XXXX my married name. My husband who works in XXXX XXXX has told them as well do not call and cease and desist. And they continue ... Southern Management Corporation aka Covington Credit is harassing me and I as a consumer feel very scared and uncomfortable with doing business with them or talking to them. I demand my rights as a consumer be taken and am giving this complaint as I have the authority and right to do. Please take action on this harassing and embarssment of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: DE

Complaint narrative:
I did have a XXXX XXXX Credit card in XX/XX/2015 that XXXX called me at stated that the card was being used in different states as I lived in XXXX Pa. They stated at that time it was used in CA which I was never there and said they are going to close that gas card because it was stolen. I said I understood and questioned if I would be responsible for any payments and the women stated no, it was stolen. I e-mail XXXX customer service and explained what happened and question why was it reported to the 4 credit bureaus under my name. In that email she responded we don't report any defaults of unpaid payments to the 4 credit bureaus but it was in an inflated mount of {$360.00} dollars as it was closed under {$100.00} dollars. Its on my credit report under XXXX/XXXX and unpaid debt of {$360.00} opened in XX/XX/2015. I tried to have them correct this error but apparently they refuse. Under the credit card agreement, I am not responsible for fraud as XXXX/XXXX is in breach of contract.

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 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
Hello - I am writing to you regarding a situation with Lustig & Glaser. My small debt was nearly paid off, yet it seems the above mentioned firm sold off a chunk of debts, mine included. 
Upon receiving the debt sale letter, I called the new number and told the lady that I wanted to pay off the debt in full. 
She explained that they were not yet set up to take my money, but they would call back very soon and help me. This call happened in XXXX of this year. No call, no help. Its only a small amount, under {$600.00}. I am desperately trying to MAKE IT GO AWAY!!

Company response to consumer: Untimely response
Consumer complaint received 2019-04-30 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: WI

Complaint narrative:
You dont understand. It was EQUIFAX lady that told me my account would remain OPEN! Has NOTHING to do with contacting other creditors! Account ending in XXXX. Please SEE Equifax the problem is with YOU guys telling me one thing on my credit report and then doing opposite ... ... Equifax you PROMISED you would have the account XXXX XXXX remained OPEN as I NEVER cancelled it, it DID remain open EVEN after talking to the supervisor but THEN EQUIFAX YOU went behind my back and cLOSED account on your records because I was contacted by XXXX XXXX asking if I did I CLOSE account that someone did and I didnt! Talked to XXXX XXXX and they AGREED what YOU Equifax lady with three letter name! DID was WRONG and said I shouldnt have to put up with. XXXX XXXX said sorry Equifax putting me thru this.THIS sorry EQUIFAX YOU people putting me thru this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
DID A BALANCE TRASFER WITH CHASE. THE TERMS WERE NO INTERST ON THE TRANSFER. AND PAY YOUR REGULAR CHARGES. I DID. THEY STILL CHARGE ME INSTREST. THIS IS A FRAUD COMPANY THAT LIES TO CONSUMERS

Company response to consumer: Closed with explanation