vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Disputed multiple credit inquiries on credit report on  XXXX   XXXX ,  2017 . The credit bureau responded after the 30 days indicating that they were unable to " read '' my request. However, other than my signature that document was completely typed. This delay tactic has occurred each time I dispute with the credit buruea.      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 2017-05-28 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: TX

Complaint narrative:
I 've repeatedly requested that Experian and   XXXX   correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However, Experian still reflects and inaccurate collection status in  XXXX  of  XXXX , inac  curate written off $ amount/status, and an inaccurate " Date Opened ''.   XXXX   still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by Experian and   XXXX   and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.

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 2017-05-28 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: FL

Complaint narrative:
Once again they have incorrect information [ report  XXXX  ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual-  1- M y name  XXXX   XXXX   XXXX   XXXX  NOT  XXXX   XXXX   XXXX   XXXX  Hello.  2-   XXXX   XXXX   XXXX  is not ours. and not a savings plan. It was a retail purchase paid to   XXXX   balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing  Security hold but they have a " State Legislation '' hol d on the account- remarkable.  XXXX   XXXX  Bank  XXXX  mortgage since  XXXX   2017

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 2017-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since I 'm a  Costco Wholesale Club member I did try to get the Costco Anywhere Visa accou nt, which is administered  by Citigroup , Inc but my application has been rejected because I filed for bankruptcy more than 13 years ago and in the process, its was included a previous account I had with Citibank. It looks to me as if they do consider filing for bankruptcy as an illegal act and I would like you to clarify my thoughts on this matter.I did send a letter to them dissenting with the decision they did take and remembering to them that Citigroup , Inc. along with others finances institutions almost sank the whole economy in the USA i n   XXXX   and did n't file for bankruptcy itself because the government by the time granted them the astronomical amount of  XXXX . Ir onically, I do have a Best Buy credit account which is managed by Citigroup and by the way, my credit score is  more than  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 2017-05-28 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: FL

Complaint narrative:
Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX XXXX XXXX mortgage since XXXX 2017

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 2017-05-28 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: FL

Complaint narrative:
Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX  XXXX XXXX mortgage since XXXX  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: TX

Complaint narrative:
I 've repeatedly requested that   XXXX   and Transunion correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However,   XXXX   still reflects and inaccurate collection status in  XXXX  of  XXXX , in  accurate written off $ amount/status, and an inaccurate " Date Opened ''. Transunion still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by  XXXX  and Transunion and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.

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 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I already disputed my debt with the previous Debt collector, XXXX XXXX who represented XXXX XXXX XXXX XXXX, the original creditor through cfpb in XXXX for failure to provide evidence that I owe such debt. On XX/XX/XXXX, I received a letter from Haltsted Financial Serivces, LLC, reference number XXXX, claiming that I owe XXXX XXXX XXXX XXXX, Reference Number XXXX. Haltstead Financial Services, LLC claims that I owe {$1200.00} to XXXX XXXX XXXX and that they will discount 50 % off the amount if I choose to pay before XXXX/XXXX/XXXX. They also claim that they tried to contact me by mail but I never received such notice until now. This is the second time XXXX XXXX XXXX has share my name, social security and private information to debt collecting agencies. They are harassing me for a debt that I never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed there 's a name XXXX, XXXX, XXXX on my Credit card report is incorrect. I do n't used that name. Also I did not open, the XXXX Chase credit card back in 2005. How do I fix this problem? My Email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the  XXXX  and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
We opened  the American Express Simply Cash Business C redit Card on  XXXX / XXXX / 2016  with the offer to get a {$250.00} statement credit for spending {$5000.00} within the first 6 months of card membership. This offer was good for applications submitted through  XXXX / XXXX / 2016 . We spent {$5000.00} in the allotted time period, whi ch American Express confirmed for us on several occasions. However, we never received our statement credit. Had AmEx open an official case to investigate. They nev er contacted us back. I called them to inquire. They had closed the case saying they could n't track our card opening back to the proper source code. I asked to speak to several levels of supervisors until I was told that there was no one there who could assist me, but that I would receive a call back with in 48 hou rs. Now, a few months later, I am still waiting. This is unacceptable. I have wasted so many hours over the la st six mo nths trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I got a credit card with XXXX and I lost my job shortly after. I tried contacting XXXX to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form Cooling and Winter LLC in XX/XX/XXXX notifiying me that XXXX had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a XXXX. I received a statement of claim from magistrate court of XXXX county Georgia on XXXX XXXX 2017. I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX 2017 at XXXX XXXX Friday XXXX XXXX 2017 at XXXX, XXXX, XXXX, XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XX/XX/XXXX at XXXX XXXX XXXX XXXX his name is XXXX XXXX with Cooling and Winters LLC. I was told I had to give them an answer by Tuesday XXXX XXXX 2017 whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XX/XX/XXXX which is not 30 days after I was served

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 2017-05-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed there 's a name  XXXX ,  XXXX ,  XXXX  on my Credit card report is incorrect. I do n't used that name. Also I did not open, the  two  Chase credit card back in    2005.  How do I fix this problem? My Email is  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
This   XXXX   account was sold to   XXXX   XXXX   and I disputed the account in  XXXX . It was removed off my credit reports then readded without any proper notice. I submitted a complaint CFPB and received a letter from diversified stating  XXXX  would recall my account. It was removed from credit reports. On XX/XX/XXXX  another collection agency tried to collect from the same  XXXX  account that was previously taken off my credit reports and falsified dates. The start date said  XX/XX/XXXX , in which I do not have any accounts with the  XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: CA

Complaint narrative:
I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

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 2017-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 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: CA

Complaint narrative:
I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XX/XX/XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

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 2017-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Apparently for some reason, Diversified Consultants Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX  on my  XXXX ,   XXXX   and   XXXX    credit reports to no avail. Diversified Consultants Inc. continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA.
In the US Law Encyclopedia,   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Diversified Consultants Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Diversified Consultants Inc. is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In   XXXX   XXXX  ,  I was purposely provided with misinformation when opening a checking account with Bank of America using a  XXXX    XXXX   XXXX   issued check.  When the Bank's employee responsible for opening the account asked what brought me into the branch that day, I said my desire was to deposit a check to purchase a vehicle using an earnest cash deposit in a timed sensitive  XXXX  owner vehicle auction (paying the remainder when the entire check clears & pay a credit card bill.   from   XXXX   XXXX   in order to open a new account. Bank of America.  I reported a loss of a steal of a deal (practically) give away vehicle.  I requested Bank of America's Insurance provider with a claim number for the reported loss.    XXXX   XXXX   has not been cooperative.  I request expediting of the matter being that I'm a Veteran   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . Happy Memorial Day weekend!

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