vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: TX

Complaint narrative:
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX with XXXX   and hoping i can move in my own place in my own name for once

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 2018-05-22 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I contacted numerous times to a point where i am going to take this to an Ohio Attorney Generals Office and exercise my rights to a higher level i had 2 UNAUTHORIZED charges {$630.00} and {$1000.00} Please remove these asap so i can stop sending in complaints and letter repeatedly weekly these are unauthorized due to identity theft and as well as i have id protection on my credit file for the next 6 years the law is that you have to obey id theft and this has not been removed yet. Once these two charges are removed and my credit file is updated and my new min payment is updated i will start to continue making payments. please remove all late payments as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX XXXX card promises 20,000 bonus points for referring someone. after a successful referral the bonus points never was sent to my XXXX account. AMEX said they will fix it but more than 2 months later still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: MO

Complaint narrative:
I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.

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 2018-05-22 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: MO

Complaint narrative:
I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: MO

Complaint narrative:
I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.

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 2018-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX tax assessor and Attorney XXXX XXXX fraudulently illegally shared Tips for Getting Started the National FBI game Forced by XXXX XXXX spends fair housing funds on XXXX plastic cups, XXXX pens, and XXXX keychains Illegally and fraudulently conspiring against awarded permanent citizenship with XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX XXXX aka XXXX XXXX XXXX by 2nd XXXX XXXX state of louisiana illegally locked Homeowners XXXX XXXX XXXX wife XXXX XXXX XXXX and Grandchild out of out of house On XX/XX/XXXX XXXX XXXX Sheriff 's Office and XXXX XXXX Constable along with XXXX XXXX XXXX and XXXX XXXX stated that they are the orders signed by XXXX XXXX XXXX deputy clerk of court and XXXX XXXX XXXX and judge XXXX XXXX XXXX to serve and give family 10min to get out of location XXXX XXXX XXXX XXXX Louisiana at XXXX XXXX on XX/XX/XXXX to illegally and fraudulently evict Homeowners XXXX XXXX XXXX And XXXX XXXX and grandchildren out on the streets of their own home by threaring to arrest and put grandchildren in foster care imposing a illegal tax evasion to discriminate against locking Homeowners out of their mail stop permanent residence registered mail delivery first class profiles and records transferred to United States Department of labor , XXXX XXXX Clerk of Court and juvenile intake Center, XXXX XXXX Family court and XXXX XXXX Sheriffs office fraudulently illegally withholding Unemployment status injuries Personal injury lawyers Law firm XXXX XXXX, scholarships, SMG Taxes Annual emergency final notification providers management services XXXX XXXX XXXX XXXX medical team Staffing wealth data breach on permanent payee payments profiles mail stop delivery address Homeowners update existing capital terminology, in particular to introduce the term 'Total Capital Requirement ' ( TCR ) to refer to the amount and quality of capital a firm must maintain to comply with the minimum capital requirements under the Capital Requirements Regulation ( 575/2013 ) ( CRR ) ( Pillar1 ) and the Pillar 2A capital of XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Wealth office mail stop delivery perment profiles address XXXX XXXX XXXX XXXX , louisiana XXXX family moved to safe storage unit # XXXX due to 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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have requested Experian to investigate the inaccuracy of account XXXX XXXX XXXX. The XXXX XXXX account is reporting inaccurate account information the last payment date and the date the account closed date are not shown. The date the account opened states XX/XX/XXXX. The consumer statement is not accurate I did not make a statement. The last date of activity is XX/XX/XXXX. It has been over seven years of credit reporting. Experian only reports the date opened. XXXX XXXX is the original creditor and did not sell or transfer the account. I can continue with the validation process however, this issue can be resolve by deleting this inaccurate trade line due to the only date of activity shown is XX/XX/XXXX and that date has past the legal reporting time.

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 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2018, I initiated a funds transfer through Chase.com using a tool called XXXX to my wifes checking account. I have never used the tool before so I initially sent her {$10.00}. She received a text almost immediately stating that funds had been deposited into her account. I then transferred {$500.00} assuming that the transfer had been processed correctly. About an hour later she realized that the funds we not deposited into her account. Despite the fact that I provided the correct information, the funds were transferred to the wrong account. I opened a dispute with both Chase and XXXX. XXXX advised me that there was nothing that they could do and I needed to contact my bank. Chase advised that there was another account that has that phone number. That other account does not belong to XXXX XXXX yet the money was deposited to that account in error. They said that because I initiated the transfer they were not responsible even though they did not accurately verify the information that I provided. Chase did say that they sent the recipient a courtesy email requesting that the money be returned but that they had no response. This error is a result of Chase and/or XXXX not accurately verifying the information that I provided. If you review the transaction history you can verify that the information I provided was correct. Chase executed the transaction incorrectly, but they will not take responsibility for the error. 

If you do a quick search of the internet you will find that there are numerous complaints from people that have had the same issue. While researching this issue I found that apparently it is fairly easy to change the phone number on a checking account and intercept payments made through XXXX because of the virtually non-existent verification process that is used. If one was  so inclined they could change the phone number in their account settings to any phone number. That could trigger XXXX pay and Chase to identify your phone number with the wrong account and any payments made to you through XXXX could go to the wrong account. 

What confuses me most is if she enrolled in XXXX through the Chase website using the link provided to her, how can transfers made to her through XXXX get sent to somebody else?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously notified XXXX XXXX that they was reporting inaccurate on my credit fie that they maintain under my social. Yet and still they still continue to report this inaccurate information. I have notified them on numerous times that this account did not belong to me and I have been a victim of identity theft concerning this alleged account. Yet they claim that they have verified this information with XXXX. How is this possible and they cant even verify the information with me. After speaking with XXXX they claim that they have sent Experian correct information thru regular communication channels to delete this account from my report yet they are still continue to damage my credit file with this inaccurate information. They have no contract and no proof that this account belongs to me so how in the heck are they reporting it to and claim to have verified it. WHOM DID YOU SPEAK WITH AND WHAT DID THEY SEND YOU BEARING MY SIGNATURE?? This account does NOT BELONG TO ME AND I AM A VICTIM OF IDENTITY THEFT

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 2018-05-22 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: FL

Complaint narrative:
To whom it may concern I would like to make this brief. I have contacted XXXX, XXXX, and TransUnion on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.

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 2018-05-22 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:
To whom it may concern I would like to make this brief. I have contacted Equifax, XXXX, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Card is on my credit report that isnt mine the company Bank of America never verified with me like it states on my credit report because of fraud in the pass.

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 2018-05-22 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: AES/PHEAA
State: GA

Complaint narrative:
I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have received a debt in collections but I was not aware it would go to collects and in the state of Texas receivable performances does not a active surety bond. I have tried to dispute it but they were not able to do anything.

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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
collection on my credit report with diversified consultants inc collections from florida. they obtained the account from XXXX XXXX in XX/XX/2017, and have been calling me all hours throughout day and night. or robo calls. 
also i asked for debt validation and everytime i only received a copy of billing statements which clearly are not mine. i told the collection company multiple times to delete and remove this account from my credit report which they have failed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
They are reporting that I have an account in witch I do not. I have asked several times to have it removed but the refuse to do so.

Company response to consumer: Closed with explanation