vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants is attempting to collect for a medical bill that does not belong to me. As part of my job working for the County of XXXX XXXX in the XXXX XXXX XXXX I am required to take minor children for medical attention. They are not my children and I have no legal responsibility for them whil they are in the care of the state. I have called Collection Consultants and explained that I am not responsible for these minor children and asked them to VALIDATE the debt they are attempting to collect. They have ignored every request for validation and yet continue to report this to the major bureaus despite my disputes. They focus ONLY on collecting and make no effort to actually determine if the debt is really mine. This is in direct conflict with the Fair Debt Collection Practices Act XXXX Federal and State of California ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I am not a green card holder, but I am legally working in the US with a TN working Visa. The applicaiton process was going as normal, but then they said they can not give Credit cards with no green card, I explained I do not have a green card, but I am in the U.S WORKING WITH A WORKING VISA. Have being with that visa for 5 years, is absolutely legal. The do not even wanted to give me a SECURE credit card.

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 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Complaint Department TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have I have incorrect information on my credit report. my identity was stolen and somebody open credit card on my name at XXXX XXXX XXXX  I dispute on the attached copy of the police report, FTC identity theft report, court record, CFPB - Consumer Financial Protection Bureau complane, State of California Department of Justice complane. 
I am requesting that the item be removed the address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never lived there ) and phone numbers ( XXXX ) XXXX XXXX and ( XXXX ) XXXX its not my phone numbers! 

to correct the information. 
Enclosed are copies of my real address supporting my position. Please reinvestigate this. i attached copy of police and federal trade commission report!!! 
matter and delete the disputed item as soon as possible.

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 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I was told by American Express that I could process payments online. I spoke to the office of the president. On XX/XX/272018 I was told again that I would be able to make a payment online, print my receipt for proof. On XX/XX/2018 I was told that if my payment was made that my credit would be protected. I want American Express to open up the account online to receive the payment and make sure Not to negatively report my account. American Express can not report you negative, tell you that you can make a payment online to pay you balance ( on a recorded line ), then not fix a time sensitive matter error on my account Today I still have not been able to pay the way I was promised and mitigate this issue as promised by the Office of the President They have made yet another mistake and this time I would like XXXX XXXX 's office to be made aware of this and contact me immediately XXXX XXXX adnd his team has informed me that the reported errors on behalf of the credit department and dispute departments thus far will only be mitigated by my paying the entire balance, and that I was grate ability to pay online and print my receipt. They did not open the access for me to pay as promised. 
XXXX XXXX office will also need to be notified to help rectify this urgent mishap on behalf of American Express They close my account prematurely and in error as a result of documented negligence on behalf of their dispute departments. My payment needs to be posted online as promised and my credit and the integrity of my account needs to reflect my efforts to stay in compliance with American Express policy, while American Express communicated false practices ( on recorded telephone calls ) and promised to place the account in disputed and it never happened. Then demand immediate payment. Well, I have attempted again to comply and need to speak to someone on the telephone immediately and I want to make an ONLINE PAYMENT and be finished with this incompetence. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 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: TN

Complaint narrative:
XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX points

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 2018-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC
State: PA

Complaint narrative:
I bought my house in XXXX of 2018. It was an FHA XXXX. I paid XXXX for the house and was given XXXX in seller assist. Total of XXXX. My mortgage person, XXXX XXXX, referred a contractor for the renovations. JC construction that charged me XXXX. My mortgage should be for XXXX but it is XXXX.When I asked him at closing about the difference he said that XXXX XXXX ( the XXXX lender ) adds a percentage to the contractors estimate just in case it is needed. I later find out that it was only 15 % of the XXXX. I was also told by XXXX XXXX that my loan didn't close as an FHA mortgage even though I had to do an FHA XXXX because of the condition of the house. I have reached out to XXXX many times. I finally got a call back after I called his office manager XXXX. Then I got XXXX 's assistant who had no idea what was going on. {$9000.00} is a lot of money over 30 years and I'd appreciate some help in getting me these answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: OR

Complaint narrative:
My bankruptcy is showing as " Dismissed with TransUnion and XXXX. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy

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 2018-08-31 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:
I filed a dispute with TransUnion and XXXX, I do not want my account to read " charge off '', the debt was sold to a credit collection company and I paid in full! I want it to only say paid in full not " charge off '', it hurts my score and when I apply for other cards. I also had both companies on my report. XXXX I paid in full. I asked my 2 credit card companies to remove the words " charge off '' it was paid in full!

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 2018-08-31 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: Home Loan Center, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX  ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the T & Cs, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: NC

Complaint narrative:
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, XXXX and trans union advising them that the accounts for XXXX XXXX bank ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to  dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.

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 2018-08-31 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: NC

Complaint narrative:
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, equifax and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, XXXX  and experian and havent received any help. It has lowered my score XXXX points

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 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a Visa credit card with Bank of America that had a small balance on it. They offered me a attractive zero interest balance transfer offer, and I transferred some medical bills to this card. As per the Credit Card Act of 2009, higher interest balances on the same card are to be paid first. Bank of America refuses to put any part of my payment towards the high interest rate balance. They are putting 100 % of my payment towards the 0 % interest balance, and have been doing this for 5 to 6 months. I have complained to their customer service and to the local branch office with no results. They are breaking the law, and probably with thousands of accounts.

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 2018-08-31 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: OR

Complaint narrative:
My bankruptcy is showing as " Dismissed with XXXX  and Experian. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Bond And Collection Associates, Inc.
State: PA

Complaint narrative:
XXXX of 2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX   and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive XXXX Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX PM. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX collection agency. I pay through the Pennsylvania EPay website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the XXXX XXXX XXXX, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc.
State: NM

Complaint narrative:
Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2016 Chase/XXXX XXXX XXXX XXXX reported my account 30 day delinquent. 
Chase statement was to be delivered electronically. Chase delivered the statement to an incorrect email address. The statement never made it to my personal email address and no paper statement was mailed. When I realized that the statement was delayed and knowing that there is a small balance on my account, I contacted chase by phone and was advised of the issue. I immediately paid all outstanding balance and was credited back the late fee due to the non deliverable statement issue. 
Chase Bank, however, never removed the delinquent mark from my credit report, causing me unfairly a great deal of financial hardship. I contacted Chase several times, in writing and by phone, I also contacted the credit bureau, whom in return notified Chase Bank of the issue. To this date Chase has not removed the delinquency mark from my credit report.

Company response to consumer: Closed with explanation