vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I submitted a request via letter to Chase Bank requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

Chase had applied SEVEN hard inquires onto my credit file without my knowledge or permission with the exception of 1 inquiry ( business credit card ). 

The inquiries that I requested be investigated were made on these dates by Chase : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been a long time Client with Chase, having both a business and personal checking with them. Never once have I needed them to acquire my personal credit profile, with the exception of the 1 inquiry that I do acknowledge.

I can not stress enough, these hard credit inquiries were not authorized by me with the exception of ONE. I can not recall which date it was, but one inquiry is only valid. Not seven. 

As noted above, on XX/XX/XXXX I requested Chase to investigate. On XX/XX/XXXX, I received a response via letter telling me that I did in fact submit applications. I did not in any matter submit anything. 

Chase did not investigate anything, they failed to move forward any due process in this matter. They failed to provide me with any documentation showing these alleged applications I submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Student Aid (USA) Funds
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/0001 Amount : {$4500.00} Account Name : USA FUNDS Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I Received A Letter From Phoenix Financial Services LLC, Dated XX/XX/XXXX... Noted As A Second Request ... Never Received Any Prior Corresponces Or Telephone Calls From Phoenix Financial Services LLC ... .Stating They Was Contracted By XXXX XXXX XXXX To Resolve A Debt ... After Checking XXXX XXXX, I Found This Was Listed On XXXX And XXXX As A Collection Reported On XX/XX/XXXX ... I Have Disputed This Negative Collection Thru XXXX XXXXWith No Resolution ... I Have Never Had An Account With Either Of These Collection Companies Listed ... They Also Have Listed On The Back Of The Letter ... An Original Credit Listed As XXXX XXXX XXXX ... Which Was Lasted Reported On XX/XX/XXXX ... Never Giving Any Information As To Them Being The Rightful Owners Of This Alleged DebtOr Entering Into A Signed Contract With Me In The Payment Of Alleged Debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a citi Bank credit card, on XX/XX/2018. It was approved on XX/XX/2018 which i confirmed over the phone and received an email advising my application was approved. On XX/XX/2018 I still have not received any mail from Citi Bank. I am unable to activate a card because the card has not come through the mail. I have made numerous calls to Citi bank and verified my address multiple times with different supervisors. I have already received an email showing my account balance of XXXX and showing how to make payments. The XXXX credit limit has already impacted my credit score. When I called for the 4th time today on XX/XX/2018 I was informed that they had the wrong address even though I confirmed my address 3 times. I have talked to more supervisors then i can remember at this point and have been told multiple stories about how the card was sent with an added apt number or the wrong city, or not at all. No one in the company as shown any accountability. I am now waiting for the 4th time a 7-10 days before I can start the process over if not received. As a consumer I find in unacceptable that they are reporting my credit limit to my credit report but I have no way to actually use the credit I was approved for.

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 2018-11-14 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: CA

Complaint narrative:
It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX- Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX- I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data.

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 2018-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I contacted Transunion on XX/XX/18 and I spoke with a rude representative named XXXX, I told her I wanted to dispute some incorrect information in my credit file and she I could not dispute the incorrect items after that she hung up in my face.

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 2018-11-14 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
While reviewing a copy my credit report, I discovered that Credit Systems International Inc has reported a collection on my credit report. I do not have any knowledge of an account with Credit Systems International Inc or any company they may be collecting for. Credit Systems International Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$30.00} and have failed to notify me of the debt or verify if it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2015 Amount : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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: FL

Complaint narrative:
Equifax has improperly handled credit report blockage under FCRA 605B. All of my data has been compromised because of your company ( Equifax ) breach. The accounts showing up on my credit file should be block due to fraud. I have filed a report with FTC several months ago and submitted this information to your company to have this issue resolved. The other two major credit bureaus have removed all fraudulent accounts. Equifax is the only company that will not comply with FCRA regulations. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from identity theft. 

I have attached Proof of Identity, residency, and FTC ID report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company has plase a judgement on my name, under FDCPA they had to notify me of they intentions prior to summit lawsuit, that is a clear violation of the FDCPA. I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit and remove judgement from court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : ECMC Account Number : XXXX Date : XX/XX/0001 Amount : {$4600.00}

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 2018-11-14 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: MO

Complaint narrative:
I called Transunion to get my annual free credit report and Transunion said they stopped doing free annual reports, after that Transunion asked me for {$19.00} to see my credit report and 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 2018-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX is re-reporting a collection that I disputed in XX/XX/2018. The collection in question was subsequently deleted after the collection agency failed to properly validate the debt in question ... now they have reported it again to the credit bureau and have still not validated the debt per the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) ... Furthermore they are in direct violation of the Federal Hippa Laws ... A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, Experian and XXXX   remove the XXXX XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XX/XX/XXXX until now, however look at XXXX report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on Experian they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.

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 2018-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX my wife and I refinanced a mortgage on a condo in XXXX XXXX, SC through Quicken Loans. At the time the property values were soaring and we wanted to pull out cash and refinance. Quicken offered us a loan product that kept the monthly payment low but we were not fully informed of the consequences when after ten years the payment jumped over a thousand dollars a month. After XX/XX/XXXX the property value dropped over two hundred thousand dollars from the appraised value when we refinanced and the property value has been lower than the loan balance ever since. Since Quicken sold the loan to a private investor and not a fed agency, we could not do a HARP refinance. We have asked the loan servicer, XXXX XXXX XXXX for a loan modification, but they have not provided an offer. Over the last eleven years, I have paid over two hundred thousand dollars in interest and principal and the current loan balance is only a few thousand less that where we started. This loan was a scam and should have never been offered to borrowers that did not understand the effects of negative amortization loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MN

Complaint narrative:
Previously my loans were at XXXX. In XX/XX/2017, when I became eligible for the PSLFP, I called XXXX XXXX to understand the requirements of the program. At that time I was told my loans would qualify but I would need to request to move my loans to XXXX in order for them to process my application. I did exactly that and when my loan was transferred, XXXX increased my interest rate. On top of that, my employer ( non-profit ) had many difficulties submitting their portion of my application. After several attempts, we were able to get their information though, only for me to then be denied because my loans didn't meet the repayment plan requirements. I was more than upset at the time since I had gone through the trouble of moving my loans and then experiencing an interest rate increase. Following that, I became separated from my husband and we were working through a mediator on the details of the divorce. I decided to engage family to help me pay off my student loan in full because I was led to believe differently at this time that I would never have my loans forgiven as I would need to choose a new repayment plan and then make 120 payments which would actually be beyond me paying the loan in full. Early this year, just months after I paid the loan off ( XX/XX/XXXX ) legislation was passed to expand the program on a temporary basis. Upset, I called XXXX again and they stated that to be evaluated for the TPSLFP, I would have to have my loan refunded and resubmit again since I currently had no loans with them again. So, they contacted the department of education to refund my loan. I am told I was issued a refund ( still have not received it ) and they restarted my loan PLUS charged me interest for the time the loan was paid off. Now I owe ~ {$270.00} in accrued interest in a loan that didn't exist at the time since it was paid off in FULL already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 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: CA

Complaint narrative:
XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with EQUIFAX that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : "  This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact EQUIFAX and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Someone is calling from Convergent and is breathing heavily over the phone and even left a voicemail breathing over the phone. 

I ask to settle the debt when calling them back but, someone will call me again just breathing over the phone and it is scary and making me very uncomfortable.

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I contacted XXXX weeks ago to inform them that I never received my statement. They basically told me to take it up with the post office and never sent me a duplicate copy. In addition every day they have repeatedly called my cell phone up to 10 times and most times back to back and within minutes of the previous call. This is harassment and against FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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: CA

Complaint narrative:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, XXXX  and Transunion remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.

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