vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
Transunion : XXXX XXXX /XXXX XXXX  XXXX XXXX. XXXX : XXXX Transunion : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion 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 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX  : XXXX XXXX /XXXX XXXX XXXX XXXX. Experian : XXXX XXXX  : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian : 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 non-monetary relief
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX XXXX XXXX ) XXXX XXXX /XXXX  Account Number : XXXX, ( Equifax ) XXXX XXXX Account Number : XXXX, ( XXXX, equifax, XXXX ) XXXX XXXX   Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( Equifax ) XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been getting emails saying I might be a victim of idtinty theft and every time I put in a job application they always want me to check my credit or just seems like some one using my social and information

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 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I have told them verbally and in writing to not contact myself or family instead they have increased calling to XXXX to XXXX calls a day. Midland credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Interest rate paid is not the rate the institution advertises on web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX  XXXX TransUnion ) XXXX XXXX /XXXX Account Number : XXXX, ( XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX  ) XXXX XXXX Account NumberXXXX

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 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( Experian, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( Experian , XXXX  ) XXXX XXXX  /XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number : XXXX, ( experian, XXXX, XXXX ) XXXX XXXX  Account Number : XXXX, ( Experian ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX ) XXXX XXXX Account Number:4PUR87XXX

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 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, Equifax, XXXX ) XXXX Account # XXXX ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, ( XXXX, Equifax ) ( XXXX, XXXX ) XXXX XXXX Co Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
XXXX XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.

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 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield & original creditor XXXX XXXX continue to falsely add a debt to my credit report. I have told them several times this is not my debt. The social security number and address on their orignal documents do not match any of my personal information. The only thing that matches is my name. I told them this is not my debt and they refuse to remove. I even disputed several times with XXXX. they lied to XXXX and said they had the correct social and address which they do not. When I call to talk to them they are rude and use foul languages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, XXXX, Transunion ) XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX, ( XXXX, XXXX  ) ( XXXX, Transunion ) XXXX XXXX XXXX Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX Account # 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 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( Experian ) XXXX XXXX Account # XXXX. ( Experian, XXXX, XXXX ) XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, ( Experian, XXXX ) ( Experian, XXXX XXXX XXXX XXXX XXXX Account # 1 ( Experian, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX Account # 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 non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AES/PHEAA
State: MO

Complaint narrative:
Took out a student loan for XXXX University in XX/XX/XXXX for just that year to pick up courses. I was eventually charged over {$33000.00} for one year of online classes. I do not know how it became so expensive ; I did not sign for that much money. How is it possible to spend that much? I feel like I am being ripped off. I think the loan company is taking advantage of me and adding to my loan. I have been paying twice a month ( averaging {$400.00} per month ) since XX/XX/XXXX and it is still over {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Transworld System, amount for XXXX. I have sent Debt Validation to Transworld System several times and they have not responded and continue to report information to my credit reporting agencys

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX   XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX  : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase runs a promotion for XXXX XXXX back on the Freedom credit card. I activated the promotion and spend {$1500.00} in the bonus categories for the period XXXX 2018, and Chase is denying that I ever activated it. They will not issue the bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: PA

Complaint narrative:
XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX/XXXX  XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX  XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX Date Filed XX/XX/XXXX XXXX XXXX  XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX  XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.

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 2018-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For the original complaint id XXXX, the Bank of America ( herein after mentioned as Bank ) has failed to understand the complaint. Therefore I am explaining the complaint again as under with screenshot of Bank of America 's mobile application for FICO score. 

When XXXX ( Bank 's employee ), applied my credit card, he had told me that I would be always able to see my FICO score in Bank 's mobile application. I never require to pay to any credit score company to watch my FICO score, I will be always provided FICO score in the mobile application after signing in the Bank 's mobile application with my username and password. 

After logging in to Bank 's mobile application, I can see my account balance for check-in account and few details of credit card as well but I am not able to see any FICO score available to me. 

I have visited many times in-person to the XXXX XXXX branch situated in XXXX ( which opened my check-in account and issued credit card ), they told me that I will get FICO score automatically in mobile application after first 6 months of credit card. First 6 months have been passed from many more months, and they still give me the commitment for further 2 months to wait. 

I did not ask you to pull my credit details and harm the credit score which already did on the name of courtesy. Don't access my credit score without my permission.

It has been mentioned in the application that the FICO score is provided every month by XXXX. If it is freely provided to every credit card holder through the mobile application, why I am still not provided the FICO score in the mobile application. 

Make my FICO score available without any charges in the Bank 's mobile application.

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 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I am being repeatedly called in an autodialer system and harassed for a 8 yo fraudulent XXXX loan. 

The XXXX  lender was not legally permitted to operate financial lending services in my state of residence, therefore negating the loan. Additionally, the statute of limitations has passed on this debt in my state. The collection agency involved is practicing illegal collection tactics. 

They call me almost five times a day and do not identify their company or for what matter they are calling about. 

In my most recent call, I was told I was fraudulent in some manner. I told her she was contacting me unlawfully and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was trying to refinance my mortgage on my condominium with Bank of America at the end of XX/XX/2018. Once the appraisal was done and non-refundable, they started playing a " war of attrition '' by constantly bringing up more and more questions about my condo association. Questions were asked and answered only to have more questions come up. Our association board president filled out a questionnaire and that wasn't good enough. After two months of this, I gave up at the end of XX/XX/2018. I have asked that my appraisal fee be returned but I get no response. It was clear that they were not acting in good faith and once they got a little over {$500.00} out of me, then the games began. Phone calls went unanswered. Complaints filed on their company web site went unanswered. Closing dates were set only to have them stopped at the last minute to ask more condo association questions. Bank of America is fleecing people trying to refinance condominiums because they know that the credit market is so tight for condos that they can get away with it.

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