vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX STATE UNIVERSI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NY

Complaint narrative:
My credit reports from XXXX, XXXX and Equifax are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NY

Complaint narrative:
My credit reports from Experian, XXXX and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX # XXXX and XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and 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 2019-08-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
3rd Attempt to resubmit this complaint regarding XXXX 's response to my complaint. 

CFPB # XXXX Reference # XXXX Account # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan Paid Off XX/XX/XXXX In dispute, that I paid XXXX payment late and it was not received until XX/XX/XXXX. 

Please see attached XX/XX/XXXX payment & XX/XX/XXXX payment to XXXX both paid early in each of those months. 

I do not understand XXXX 's 4th paragraph of their letter to me also attached that XXXX received my payment late. XXXX also gets confused in their letter going back and forth with XXXX & XXXX when year I am rering to is XXXX, XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I Completed the Citi Priority client offer that Citi Bank sent me for XXXX XXXX XXXX Aadvantage miles ( offer # XXXX ) - called Citibank and confirmed with Citibank rep all offer requirements met 4 mos ago and still Citibank has not credited my XXXX XXXX Frequent Flyer acct # XXXX the XXXX XXXX XXXX Aadvantage miles I earned. Citi bank rep even opened an investigation case 2 weeks ago : case # XXXX XXXX BUT still no response from Citi Bank on this. 
After looking online there have been many complaints about Citi Bnak not honoring their offer to clients that met offer requirements. Here is website with more complaints about Citibank unethical practices on this and other clients reporting this to CFPB : XXXX : XXXX Please take action with Citi Bank on this now to credit the XXXX XXXX  XXXX XXXX   Aadvantage miles I earned on their offer to me - as they are committing fraud offer and unethical business practices on this. 
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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX and 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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
The company Jefferson Capital Systems is reporting that i owe a {$250.00} debt to them. They are reporting that the account debt was opened in XXXX. They are also reporting that I am making late payments every month. The ORIGINAL account was opened with XXXX was opened in XXXX. Will provide documentation for proof upon request. Theyre not only illegally reporting payments that are not being made and not scheduled to be made, i am in no way shape or form in contract to pay them, XXXX illegally sold my debt to them to collect, they are reporting completely false information as far as dates, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NY

Complaint narrative:
Had disputed account with TransUnion and XXXX   online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.

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 2019-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
This debt is included in my bankruptcy chapter XXXX and also the date is incorrect on my report

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Had disputed account with XXXX and Experian online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.

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 2019-08-16 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: Southern Auto Finance Co
State: CA

Complaint narrative:
To my knowledge, I have not signed any document authorizing SAFCO CREDIT COMPANY to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : SAFCO Inquiry Date:XXXX The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: NJ

Complaint narrative:
On XX/XX/2019, I received a call from Bay Area Credit Services. I had been working with them prior to this, to resolve a medical debt and currently have a payment plan set up with them lasting until XX/XX/2019. However, they called me at XXXX XXXX, with no explanation about what the call was about except insisting I had a payment due on the account. I demanded to speak with a manager, only to have him confirm it was the two accounts that were currently under the payment plan. I requested to keep to the payment plan I was currently under, as well as no calls before XXXX XXXX as I work nights. 

The next week, I received four more calls ( two on XX/XX/XXXX, two more on XX/XX/XXXX ). Adding to that, my husband has received three calls from the service as well, two on XX/XX/XXXX as well ( one around XXXX XXXX, and the second around XXXX XXXX ), as well as a call this morning at XXXX XXXX. 

The payment from the payment plan has gone through. There is no reason for us to be receiving these calls constantly, and I have no idea why they are harassing us so much so randomly. Adding to this, it looks like Bay Area Credit Service is known for scams, and I am worried they will fraudulently target my credit or harass me further, despite me paying the debt and trying to work with them as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: DISCOVER BANK
State: CA

Complaint narrative:
To my knowledge, I have not signed any document authorizing DISCOVERBA to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : DISCOVERBA Inquiry Date:XX/XX/19 The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Loan # XXXX XXXX XXXX My loan was sold, transferred from XXXX XXXX XXXX XXXX. to SPECIALIZED LOAN SERVICING ( SLS ) XXXX, XXXX. I received no notice of this transfer either in writing or by phone. I continued to make payments, on time, to XXXX XXXX through XX/XX/XXXX, when I was notified by my bank onXX/XX/XXXX that my last payment of XXXX was returned. 
Spoke with a representative at Loancare XX/XX/XXXX regarding status of account. Rep XXXX notified me of the transfer. She verified my correct mailing address but had an incorrect phone number for me on file. 
Call Specialized Loan Servicing XX/XX/XXXX to verify them as the new servicer. Spoke with representative XXXX and she verified new account. SLS had an incorrect phone number and address on file for me. Somehow, my correct information was not transferred along with my loan. If letters were sent, they went to the wrong address. If SLS attempted to call, they called the wrong phone number. I know XXXX had my correct address ; I have a statement from them with the correct address. 
I was promised a phone call by the representative XXXX on XX/XX/XXXX from a manager since one was not available XX/XX/XXXX, and did not receive a call. 
I called SLS ( Specialized Loan Servicing ) XX/XX/XXXX and spoke to a representative regarding a payment made that did not apply to my account. Found that the funds went to a Suspense account and did not apply to my payment. Representative sent me a statement regarding my escrow funds which I did not receive by mail or call since all my contact info with SLS was incorrect. Without notice or reason, that rep dropped my call or attempted to transfer me to another department. Another representative answered, I went through the verification process again and explained the purpose of my call. This agent could see that attempts to correct my contact information, mailing address and phone number, were not correct in SLS system. I had called on XX/XX/XXXX to correct this information. This rep promised a call from a supervisor team, and escalation team regarding why all my contact information was not correct and I was not receiving statements or calls regarding account status. This call was also dropped without notice or conclusion. 
I was not notified of a loan transfer ; I continued to make payments on time, which were processed. Once I learned of the transfer, I immediately made a payment to the new servicers, XX/XX/XXXX through my bank. I do not believe I am responsible for any late fees, nor there any negative reporting to my credit standing.

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had a valid PIN for security freezes/lifts for years with Experian ( and the other bureaus ). As recently as this week, I was able to lift the freeze using my PIN and personal information to complete a lift for financing purposes. The merchant couldn't run the report that day, so I attempted extend the lift a second day. I am now being requested by Experian to send in a dozen or so documents to create the lift which seems ridiculous given I have already submitted all the required information in the past, and executed the lift this week successfully. I can't get a human at Experian, only an IVR system that ultimately tells me I must send the documents to Experian. 

As more individuals freeze their credit files for their protection and the protection of their children, any inefficiency in the freeze/lift process will materially affect purchasing and have consequences on the overall economy.

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 2019-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was checking into my credit report and saw some derogatory remarks ( one was Bank of America, that is set to fall off this XX/XX/XXXX ) that were ready to fall off in a few months. I had read that I could dispute these to try to get them off earlier, so I did most of them online. I didn't think I could dispute online with XX/XX/XXXX, so I actually called Bank of America to see if they could release it early and, of course, they said they couldn't help me. But, I learned that after this phone call, Bank of America changed my derogatory from " Settled at less than full balance '' to a " Charge off, '' which immediately lowered my credit score 65 points!!! I think this is unfair and is hurting me getting loans and credit! I called them back to try to get it changed and they said they couldn't, of course. I have since been trying to get it disputed with XX/XX/XXXX, but still it's reflecting badly on my score. I will upload the credit file showing the Bank of America report BEFORE the change, and another one after the change.

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 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
A couple of weeks ago I submitted a complaint here against M & T Bank under claim # XXXX. I was informed by M & T that they would be responding shortly. Instead, I received a letter directly from them via a XXXX courier on XX/XX/2019 that they were closing all of my accounts, and not just the one I was lodging a complaint about which included all of my business accounts. 

I feel this is retaliatory and discriminatory because of the complaint I filed against them which was about the excessive overdraft fees that they had assessed against my personal checking account over the course of the year resulting in several XXXX dollars in fees collected by M & T.

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 2019-08-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is an error in my bank statement from XX/XX/2018 to XX/XX/2018. Apparently, there is a double billed/charged in the amount {$1200.00} from XXXX on XX/XX/2018. The transaction was already settled with refunded from the merchant provided with documentation in attachment, after I reviewed the statement on XX/XX/2018 showed extra double billed/charged in the amount of {$1200.00} that has been settled. Please fix and update the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
Bought Google credit for XXXX $ And have not been able to use it. 
It says account insufficient funds Deposit funds a week ago today.

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 2019-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace Cash Express has been avoiding ACH authorization on my debit account and has been debiting checks in my name to their company. They are debiting my account with the checks outside of my original agreement therefore over drafting my account. I am not receiving any written correspondence from this company on the collection of my funds. The company has not been helpful but now I am informed that this is illegal I am trying again to collect my funds from this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is not allowing me or lenders to view my credit report. I am trying to refinance my home mortgage, and Equifax is not providing the lender with my report or credit score. I have called Equifax on XX/XX/2019, XX/XX/2019, XX/XX/2019, and numerous other times in XXXX and XXXX. My Equifax report has not updated on XXXX in months. I can not even aacess my report or score o. EQUIFAX website. I am denied credit due to Equifax.

Company response to consumer: Closed with explanation