vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC
State: GA

Complaint narrative:
I told them do not call me anymore and stop your collection action because I do own anything you do not have a contract with my name on it I never both anything from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!

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 2019-09-05 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: FL

Complaint narrative:
THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I received emails from my credit monitoring service about a score decrease and potentially negative records being added. I went into my credit file to find out what the problem was. 

I found that a new collection account had been added to my credit resulting from XXXX attempting to collect a debt. I closed my account with XXXX in XXXX of XXXX. I personally took all of XXXX 's equipment I had in my possession to the XXXX   store located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/XXXX. I was prepared to pay anything I possibly owed but I was told by the representative that nothing was owed on my account, and I was good to go. They said that XXXX bills are billed ahead of time, and I was paid up. 

Fast-forward to XX/XX/XXXX, I received the notification from my credit monitoring service that a record from SOUTHWEST CREDIT SYSTEM was added to my credit report. Not recognizing the charge, I called them to find out that it was from XXXX. 

Prior to this notification from my credit monitoring service, I received NO notification that I even owed XXXX anything. I called them and they could not tell me any details. They just told me that I had an outstanding bill. However, they did agree that it was strange that this attempt came out of nowhere, almost two years later. After multiple calls and attempts, I reluctantly paid the bill on XX/XX/XXXX, just to get it off my credit. My credit still has not fully recovered, and I'm still not convinced I really owed the {$220.00} that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
I have been 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 2019-09-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX  XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This complaint is regarding a pending credit dispute that we have with Citibank/Macy’s credit card for charges relating to XXXX XXXX XXXX   that were initiated – without our consent – in XX/XX/XXXX. I initially wrote a letter to Citibank/Macys/XXXX XXXX on XX/XX/XXXX reviewing the fraudulent charges be discontinued and that we receive a refund (either in monetary or credit form) for the funds that were withdrawn from our credit account without our permission. Since sending the letter on XX/XX/XXXX, Macys indicated that we would need to cancel our credit accounts and to be issued new credit cards to prevent further fraud. This was done twice to no avail – we continued to receive charges from XXXX  XXXX  on our Macys charge account for XX/XX/XXXX and XX/XX/XXXX, until we were successfully able to contact XXXX XXXX (a subsidiary of Macys) and get them to finally discontinue the fraudulent charges moving forward. 
	Still at issue, however, is the retroactive reimbursement for the fraudulent charges made to our account between XX/XX/XXXX through XX/XX/XXXX, which now total XXXX. To follow up on our request for reimbursement, I have made NUMEROUS attempts within the last six months to secure reimbursement of the funds, to no avail - they are denying my reimbursement request. As such, we are now filing a complaint.

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 2019-09-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have still not received a detailed method of verification response as per FCRA 611 ( a ) ( 6 ) and ( 7 ). My rights are continually being violated in a damaging way. After having exercised my rights to have the two Portfolio accounts, the XXXX XXXX account and the Synchrony account that are listed on my credit report with this company, proven to maintain standing on my credit files, I made a demand for the Method of Verification when those accounts were listed as accurate. I was not requesting the general standard description of Transunions procedures, I was not demanding them to simply state that they were listing these accounts accurately. I was demanding how they came about this decision to list these accounts as verified. What documentation was provided by the data furnisher? Who was spoken to at the data furnisher and what was their qualification to be familiar with the alleged accounts in question? I started this dispute process in early XXXX of this year and mailed the Method of Verification letter on XX/XX/XXXX, so were nearly two months without an answer on this subject. 

Again, I am not interested in nor asking for a general description of Transunions procedures in the case of a consumers disputes. I am demanding as my rights under the Fair Credit Reporting Act provide, a specific description of how this information was verified as accurate. This hasnt been effected with direct letters with the credit furnisher so I am forced to access the CFPB in an effort to get answers. Since this information hasnt been forthcoming in the timeframe in the FCRA, these alleged accounts should be removed from my file in accordance with the law.

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 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Sold our home on XX/XX/XXXX. Received letter stating our escrow check would be refunded within 30 days. After not receiving check we called on XX/XX/2019. They said check had been sent out! We said we had not received check.They canceled check. On XX/XX/XXXX we received a checked dated XX/XX/XXXX with a USPS canceled envelope date of XX/XX/XXXX. We cashed the check since we believed that the check was in good order and since it was postmarked XX/XX/XXXX. Check then bounced. Called company they said that sent check on XX/XX/2019. As of XX/XX/2019 we have not received a check for our escrow balance and we have incured stop payment fees of {$10.00}. This Servicer Select Portfolio Servicing Inc. has been using our money and not refunded our escrow funds in a timely manner with in the 30 days. It has now been almost 60 days and we still have not received our escrow funds which is in excess of {$4700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Recovery Services, Inc.
State: OH

Complaint narrative:
ACCOUNT RECOVERY SERVICE XXXX {$450.00} I was a victim of fraud and have attached the document from a ID thief case I have never done any business with ARS or XXXX   XXXX  XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.

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 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: WA

Complaint narrative:
Two companies TEK Collect Inc. phone # XXXX {$490.00} and XXXX XXXX phone # XXXX XXXX XXXX {$450.00} I , XXXX XXXX have called both companies to clear up this on credit report. 
they are reporting to collect a medical debt that doe not belong to me. The debt belongs to son XXXX XXXX age XXXX. I was ask by my mortgage lender to clear this up to get a mortange that is currently in the works. It is effection my credit score. Both companies said '' either they could not give information on the debt. '' please call me XXXX XXXX or XXXX. 
I do not have account information. I tried to call and get this information XXXX said they could not find account and TEK said my son had to call which he did and they still did not release information. 

Please help very frustrating, Sincerely, XXXX XXXX XXXX WA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.

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 2019-09-05 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: FL

Complaint narrative:
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.

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 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES, LLC a Foreign Business Entity registered in the state of Utah and Registered Foreign Collection Agency in the State of Utah. The registered address provided for the Business is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Registered Agent and Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX. The company continues to call phone numbers multiple times from multiple numbers and should never have these numbers provided to them in any fashion. The company called a campaign phone number which had been clearly identified as such on any information that would have linked it to me. They refuse to identify themselves as a debt collector when fishing for information and continue to utilize prohibited practices after they have been sent and informed that written communication is the only acceptable form of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from Citibank on XX/XX/XXXX. I have never requested any of Citibank product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with Citibank was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to Citibank on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. before 30 days

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 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I couldnt open up a checking account. Please fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I had a payday loan with Sky Trail Cash and I stopped paying them because of financial stress. Received three calls today with voice mail to my XXXX, Wife and my work number which they stated a warrant will be issued to me re fraud and I was being sued. This information should not have been left on other peoples voice mail not at a work number. 

the collection company also spoofed the number they were calling from making it look like the were calling from the XXXX XXXX Superior Court. The number that showed up on the telephone was XXXX which is the court. the name of the person Calling was a XXXX XXXX stating he was a court processor for XXXX XXXX. There is no XXXX XXXX?? Scare tactic ... also the voice mail stated to call XXXX x XXXX ... 
The company that called me is XXXX XXXX regarding a debt from Sky Trail Cash a payday company..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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:
On XX/XX/2019, I purchased 4 XXXX cast iron camp griddles. I was billed on XX/XX/XXXX on my Chase card 4x {$89.00} for a total of XXXX. Over the next few days I tried to reach the merchant, and searched for tracking # s, all to no avail. 
I saw on social media that this was a scam, and contacted the XXXX XXXX directly and I was informed that yes, this was a scam. 
Around the XXXX of XXXX, I purchased more griddles from Amazon, and they were received without problems. I also contacted Chase at this point to have them removed the original charge for something I did not receive. I was told they would removed the charge and send info to their fraud dept. A few days later I checked my card online and noticed that the charge was back on my account. I called Chase immediately and was told that they had contacted the merchant, and the merchandise had been shipped and received. 
This person gave me the tracking # s and assured me that they had reached the merchant and had been told it was a valid charge. 
When we checked the tracking # s, I found that they had shipped a small package and had delivered it to my mailbox on XX/XX/XXXX. It weighed less than a pound. The griddles weighed 134 pounds. I realized that I had received this package. It contained 5 small plastic cards about the size of a credit card. I had no idea what they were and info on the envelope only said it was shipped from XXXX, but because I had saved it the tracking # matched what Chase had given me. Another tracking # said it had been delivered to someone in TN. I don't know anyone in TN. 
I have talked to 19 people at Chase, each time I speak with them they tell me they get it and will remove the charge, then in the next few days they repost the charge. Several of those people have admitted to me that they had no contact information for the merchant either. 
I have filled out and faxed a complaint form, including pictures of what was shipped to me. This week I talked to one person who offered me a {$100.00} gift card for my trouble. I turned it down, but it indicates to me that they are not being fair. 
I have had an account with Chase for many years, and have always paid my bill on time. I can't understand why they are taking a shady merchant side over a good longtime customer.

Company response to consumer: Closed with monetary relief