vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reported to TransUnion an incorrect address they had me listed at. This was about mid XXXX. I explained in my dispute that I had never lived at that address nor had I ever received mail there. I have never even lived in that city. They refused to remove the address saying it had been reported by a creditor and that the creditor had to change the address. I checked with my list of creditors and did find incidence of that address on several accounts serviced by the same financial institution. I immediately deleted that address from my accounts, removed my personal banking information as well as changed my passwords for the accounts. I then sent secure emails to each creditor verifying the above facts that I had never lived at that particular address. The creditors all stated that they showed my current address which was correct. They stated they had the other address that showed which was incorrect for only about 3 weeks. It had since been deleted. So with my current address being the only address they show, TransUnion should be able to remove that address which does not belong, nor has ever belonged to me. When I try to dispute the address again to have it removed I am told by their website that it is not an option. This makes no sense to me as there are no creditors reporting this address and I have already confirmed I do not live there nor have I ever. This could cause me problems in the future when I apply somewhere for credit and this is the main address showing in my file. There is no place to remove 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
Consumer complaint received 2019-05-26 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to LVNV Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today XXXX XX/XX/XXXX ), LVNV Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. LVNV is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to LVNV and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. LVNV Funding is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of check fraud and Chase has stated that it has practiced ordinary care in honoring these fraudulent checks and because I did not identify the first fraudulent check within a certain amount of time, Chase was not obligated to reimburse me for any of them. Chase has stated that it practiced ordinary care even though some of the checks were presented in XXXX banks and I do not have a history of writing checks that are cashed in XXXX banks. Some of the checks were printed with someone else 's name on it and Chase has stated that it has practiced ordinary care in honoring those checks even though my name is not in the upper left hand corner. 

I am attaching my Affidavit of Unauthorized Signature or Transaction. 

Chase has made other errors identified in complaint ID XXXX that have made me very doubtful of Chase 's internal controls and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: Rauch-Milliken International, Inc.
State: FL

Complaint narrative:
I entered into a contract with XXXX. They failed to provide services that I contracted, constituting a breach of contract. I attempted to resolve said problem with XXXX XXXX XXXX ( XXXX Customer Service ) since XXXX, 2019. I also had several meetings to resolve issues with XXXX XXXX in my office. Witness to these meetings : XXXX XXXX. There was no resolution of my issues and in each case, the bill was disputed. I have requested a detailed bill of all payments and invoices. Additionally, I need the numbers presented to me by Mr. XXXX ( thousands of people inquring about my business ). Todate, no one has contacted me via phone, XXXX, of walk in client. This information was disputed. Mr. XXXX, in last meeting stating that I can pay more money and go to the next " level ''. That is not what I contracted for. To date, I have not received the " traffic '' promised. Additionally, the Website was not completed according to my instructions. Now I am being threatened and interrupted with numerous calls, interrupting my job. The information that I have requested to resolve this issue has not been presented. Additionally, a third party was given information regarding this debt issue in violation of FCCPA. The constant calls and email threats are also prohibited collection practices in the State of Florida. An investigation of this matter is warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: TX

Complaint narrative:
I checked my credit report this year and found several accounts and Inquiries that are not mine. my information has been used in a scheme to defraud me and has made me a victim of identity theft. I have tried to contact the credit bureaus but was unsuccessful in removing these items from my credit report. My finances are in jeopardy and my rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 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: NY

Complaint narrative:
The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX  XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems XXXX XXXX XXXX XXXX GA XXXX Account XXXX submitted a false and frivilous account based on misleading information from Creditor -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I terminated application process with apartment mgr XX/XX/2018. I never signed actual leasing papers and never submitted a deposit because XXXX who was acting on behalf of the properly verbally terminated the application process. At that time, she instructed me that the process was complete and nothing else was required on my part. I have several voice mails from her indicating all of the above actions. To add I never had keys nor did I ever take physical possession of any units because XXXX was acting on behalf of the leasing agent and again terminated all associated actions. I have reached out to XXXX XXXX XXXX  and phonetically and thru certified mail and they have purposely refused to communicate with me. However, National Credit Systems have and they are aware that they made have been misled when they assummed the account as there never should have been an account from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2019 I made a reservation for a vehicle trough " XXXX for {$160.00}. This reservation was for a SUV vehicle to be picked up at XXXX ( XXXX International Airport ) at a company called " XXXX XXXX XXXX ''. As a frequent traveler renting vehicles, I have learned not to rent from small businesses with unknown track records which are usually off airport grounds. Turns out this company XXXX XXXX XXXX was not at the XXXX International Airport as advertised, it was at a lot, far from it. When I arrived at XXXX XXXX XXXX, as I got in line for check in, the the lady at the counter started asking customers in line if anyone was a Florida Resident. I answered yes. She immediately called me upfront aside and proceeded to inform me that the reason she asked was so that I did not waste time in line. She asked me if I was aware that Florida residents have different terms than those from out of state. I answered no. She said Florida residents usually do not rent from us, and proceeded to explain special clauses for Florida Residents. Two of these clauses, did not suit me for the purpose of my rental. One was high cost for exceeding mileage and the second, a prohibition to go out of the state of Florida. I proceeded to ask for my reservation to be cancelled since I was not aware of this. I had read clauses and restrictions provided online, and in no place I had read what I was just told. In fact, at the end of the Car Rental Company Rules & Restrictions provided by XXXX, as I recalled, it only stated Travel to XXXX is not permitted, travel to XXXX is not permitted. She said that because it was a prepaid rental, it had to be done with online company. I contacted online rental company XXXX and they denied to credit my card because it was a prepaid reservation. I proceeded to open a credit card dispute with the facts but credit card says " we are unable to obtain compensation from the merchant ''. Its appears to be that XXXX XXXX XXXX has deceptive and unfair trade practices, leading customers to misrepresentation of a very poorly redacted online contract/terms, resulting in hard to see or hidden clauses, and providing inaccurate or false information ; which ultimately lead in my case to cancellation of services - not provided, and potential loss of money through a no-cancellation prepaid policy.

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 2019-05-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint narrative:
My mother was contacted by a male that goes by the name of XXXX XXXX on XX/XX/XXXX. He reported that he was working for XXXX XXXX  and was reaching out to try and help lower interest on the credit card ( CITI CARD Mastercard ).. When my mother spoke with XXXX she was informed that for XXXX dollars that he could help them. Some of my mother 's personal information was shared to Mr. XXXX. However, nothing was signed on behave of this agreement. My mother and father both are elderly and were not sure of what they were getting themselves into. My parents did speak with me regarding this issue in XX/XX/XXXX and at that time we decided that it would be best if I took over their finances. 


My father did contact the CITI mastercard regarding being charged of the XXXX and he was informed by the company that there was nothing that they could possible do. I, executive of their estate, also contacted them and they notified me that there was nothing that they could do. My father also did contact the Federal Trade Commission as well as the Attorney General of North Dakota and placed a complaint with both companies. 

Since all of this has been reported and filed with other companies. This company continues to still contact my father with the last time being XXXX. In the past he has told my father that he is rude and would talk over him. If possible I would also like to place a complaint or grievance regarding poor customer service as it is my understanding that Mr. XXXX was disrespectful and very down grading when talking.

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 2019-05-26 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is to the dispute the inaccuracy of a closed account with Capital One Auto Financing, account number XXXX. It shows that this account became a charge off when in fact this account was paid off on time. XXXX was the only bureau that had it correct as paid as agreed. As of today XXXX status has changed to paid charge off after being closed for 2 years. This is reflected on all 3 bureaus, XXXX, XXXX and XXXX XXXX which is affecting my score and credit worthiness. I had not missed a payment or ever been late and all of a sudden on the very last payment it shows I didn't pay on time. I have proof that this account was paid on time according to my bank statement. 
I ordered a transaction history report from Capital One Auto Financing that shows inaccuracies regarding their reporting to each of the bureaus. For example below are a just a couple of inaccuracies I discovered. 
In XX/XX/2015, XXXX Report shows ND for no data recorded. But when you look at the Capital One Transaction History Report, a payment was recorded XX/XX/2015. XXXX XXXX shows a payment for XX/XX/2015. XXXX  does not. XXXX   shows all payments recorded correctly. 
Next one in XX/XX/2015 XXXX XXXX Report shows NR ( not reported ). But when you look at the Capital One Transaction History Report a payment was recorded XX/XX/2015. XXXX  shows a payment for XX/XX/2015. XXXX XXXX does not. XXXX   shows all payments recorded correctly. These are just a few of the inaccuracies there are many more that follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: OH

Complaint narrative:
I have written 3 letters to Experian about removing a bankruptcy from my credit report due to them not validating it correctly and for violating FCRA laws when they tried. I have sent letters XX/XX/19, XX/XX/19, and now XX/XX/19. They have failed to provide proof of validation and are breaking FCRA Laws which I have provided proof on upload.

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 2019-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
HELLO, I SUBMITTED A DISPUTE REGARDING A DOCTOR BILL THAT WA PAID XXXX XXXX MULTIPLE TIMES TO TransUnion LLC Consumer Dispute Center AND THEY HAVE NOT RESPONDED NOT REMOVED THI BILL FROM MY CREDIT REPORT. I'VE ALSO SPOKEN TO MULTIPLE PEOPLE AT THE DOCTOR OFFICE AND THEY WERE SUPPOSE TO REMOVE these NEGATIVE ITEMS AND TO THIS DAY STILL HAS NOT DONE SO THE HOSPITAL REPORTING THESE ITEMS ARE FROM XXXX XXXX XXXX COUNTY BA

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 2019-05-26 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: NY

Complaint narrative:
The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}

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 2019-05-26 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: NY

Complaint narrative:
The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}

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 2019-05-26 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: CA

Complaint narrative:
Summary : Experian has a credit freeze on my account, will not lift it, and does not have any way to contact them by phone. 

I have a credit freeze with Experian. I initiated the freeze approximately 10 years ago. In the ensuing 10 years, I was able to remove my freeze using Experian 's online system. Today, I attempted to do so and Experian indicated that they could not verify my information. 

I called, but Experian only has an automated phone system and will not allow me to reach an actual human. 

I now have a credit freeze on my Experian account that I can not lift. I can not reach Experian. And I can not determine if someone has fraudulently changed my information with Experian.

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 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
this is a check that i wrote to kohls store it was not paid later i filed bankruptys and included the check for XXXX in it. but kohls is still reporting this ckeck as owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have an investment property loan that is serviced by a company named Shellpoint Mortgage Servicing. Shellpoint frequently sends me letters requesting evidence of insurance for the properties covered by the loan. Each time I receive the letter, I immediately notify my insurance agent and request they provide Shellpoint evidence of insurance. There have been several instances where evidence of insurance has been provided to Shellpoint, and I am still unfairly charged for a lender placed policy, and I have evidence of this in case you would like to review it. I spend a substantial amount of time on the phone with Shellpoint customer service, trying to prevent them from unfairly charging me for lender placed policies. I feel that they send these letters requesting evidence of insurance very frequently and often do not correctly process the evidence of insurance when it is provided so they can earn extra revenue from lender placed policies. It is undoubtedly a shady practice that should be more closely regulated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient did not disclose that it does not participate in the federal loan forgiveness program. I am a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Credit Protection HAS AN ACCOUNT ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT, THIS IS A VIOLATION OF THE FCRA

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