vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 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: DISCOVER BANK
State: WA

Complaint narrative:
In XX/XX/2018 I sent proof that my account had been paid in full before a judgement was taken against me. They have done nothing so I called back today and was told they found the proof I sent but they needed to research some more since they dont know where the money was because it wasnt put towards my account. Said to call back again the next business day. This issue is effecting my ability to get a real estate loan that is in process currently and is delaying me closing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
XXXX XXXX placed my account in collections and continued to report negative payment history after the account was listed in a CH XXXX bankruptcy proceeding that was filed onXX/XX/18

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I XX/XX/XXXX I took out a loan against my house I gave them all my paperwork because I had a lawsuit filled against me and my daughters for back pay property taxes. My loan went through and they paid off my taxes. My property taxes were and insurance was to be included in payment.But in XXXX the county of XXXX filled another property lawsuit and I never received notice until they the county of XXXX Texas put up a forclorsure sign for back property taxes owed. I went to the county office and said they had not received property taxes and they were XXXX dollars again I kept telling the bank but they would not listen they were paying the wrong taxes on a different lot. In XXXX J. P Morgan took me to court and I told the judge they would not take my payments because we were under a modification but they kept giving me the run around I let the banks attorney and the judge know about the taxes and the forclorsure the county had on my home. On XX/XX/XXXX the judge in XXXX County denied the expidied forclorsure. Now it is XXXX fillies a lawsuit in civil court in the XXXX District of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: IN

Complaint narrative:
Mid XX/XX/XXXX, my husband received a call from Dynamic Recovery Solution stating that we owed on from XXXX. The account they are referencing has been settled and paid and isn't even showing on my credit report. I can provide documentation that the debt was in fact paid and they continue to call and send messages. 

They then sent me a letter with the same information on XX/XX/XXXX. I contacted them and inquired about this. They again referenced the same account that we had paid. They stated it was past the statutes of limitations. I asked for them to send me documentation of said account and they said they could " put in a request to their manager '' to have that information sent to me.

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 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On Monday,XX/XX/XXXX, I telephoned American Express at the number on the back of my card ( XXXX ) to redeem earned cash rewards. The person I spoke with credited my account for the earned cash rewards and encouraged me to upgrade my XXXX XXXX XXXX  card ( no annual fee ) to their XXXX XXXX XXXX  card ( {$95.00} annual fee ).

I told the person I needed to confirm that the enhanced benefits on the new card would more than offset the annual fee. He told me for XX/XX/XXXX calendar year, I charged {$4900.00} at supermarkets, {$6000.00} at gas stations and {$180.00} at department stores. He did the math and confirmed the added benefits more than offset the new annual fee. In addition, I would be given a {$150.00} credit for {$1000.00} in purchases in the first 3 months. It all sounded pretty good, so I said sign me up.Later that night I thought his XX/XX/XXXX spending figures sounded high so I checked my XX/XX/XXXX statements fromXX/XX/XXXX through XX/XX/XXXX. For those 6 months, I averaged $ XXXX/month for groceries and $ XXXX/month for gas ( both typical for the year ). The figures that he provided to convince me to switch to the annual fee card were approximately 2.3 more for groceries and 2.8 more for gas than I spent in the 6 months of statements I reviewed, and I'm certain are typical of the entire year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I had a debt with XXXX XXXX credit card. I was going through hard times in my early XXXX and had to use this card to survive, I was young and naive and didnt know much on how credit works. I am now in my late XXXX and finally financially able to pay this debt off. My account was sold to Hayt & Hayt Landau where I agreed to pay them a monthly amount of {$180.00} on the XXXX of every month since XXXX. I have been paying them since XXXX and I have signed and faxed the settlement documents twice but apparently they have told me they never received the documents even though I had faxed it to them twice. Even though I have been paying them monthly in XXXX they had wanted to take me to court and tried to serve me at my house where I rent a room from, they had given my information to someone else who rents a room from my landlords house I dont really know or talk to this person and they disclosed my personal information to this person. This month of XXXX I had an issue with my debit card and talked to the receptionist asking if I can go to their location and pay on Friday XX/XX/XXXX and she said yes and that they close at XXXX. I drove 1 hour to pay them instead of {$180.00} but {$250.00} and when I arrived at XXXX they were closed. They didnt serve me I have not received documents but they said over the phone I have a court date on the XX/XX/XXXX. All I want to do is pay off this debt that I had accumulated in my early XXXX but I am being harassed by this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.

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 2018-08-24 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: OH

Complaint narrative:
I have spoken to XXXX XXXX, transunion, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like transunion told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 spoken to XXXX XXXX, XXXX, experian and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX  credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems posted on my credit report for a loan opened on XX/XX/XXXX from XXXX XXXX XXXX. No such loan was opened on XX/XX/XXXX.

I contacted XX/XX/XXXX I contacted XXXX XXXX XXXX to confirm that they work with Midwest Recovery Systems but would not answer me.

Same date, contact Midwest Recovery Systems for proof of loan. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted XXXX XXXX and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what XXXX XXXX has done to be unethical and inappropriate ; and I want this reporting removed off my personal.

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Hello. They are trying to charge me for 2 months of service that XXXX i did not require. XXXX XXXX  said he would XXXX our the balance. Just need confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Auto Finance did not have a valid enforceable contract in the State of Maryland, see original contract only valid in Virginia, therefore contract was rescinded timely and properly. 

Capital has failed to return all status quo including title and monies due. Moreover Capital One Auto Finance has commenced to continue to defame my character, financial face and status to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: OH

Complaint narrative:
I have spoken to XXXX XXXX, XXXX, XXXX  and equifax multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX  credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX  doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TX

Complaint narrative:
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to Experian, XXXX, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.

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 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
XX/XX/2012, my adult son became ill and hospitalized for several days. He did not have any income and several months later I found his medical bills on my credit report! I had California 's Medi-cal program for my minor son, but not for my elder son who was XXXXyrs. old at the time. I contacted them and they told me his medical bills were attached to my credit because he had no income! These collection accounts have devastated my credit scores! I contacted the collection company asking them to remove them but to no avail! These accounts are on my credit profile to this day, and they " update '' the date of collection every month as though they are new collection accounts! I am unable to refinance my mortgage now because of these bogus charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I received a correspondence from Credit Acceptance, it had an attachment ( attached ) with what looks like a contract with my vehicle, name, address, but a digital signature. On XX/XX/2018, i signed with my hand a contract with XXXX XXXX XXXX XXXX  XXXX. At no point on or after that date did I ever engage in a digital contract signing with XXXX XXXX XXXX XXXX XXXX or Credit Acceptance. This is clearly a forged document by credit acceptance and fraud, pursuant to Florida statutes 817.034, 18 USC 47, fraud can be punishable by 20 to 30 years in prison and or {$250000.00} fine for each instance which could be proven by each time my signature was put on there plus each time my initials were placed on there by frivolous pretenses, Fraud.

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 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account was opened under terms for a {$400.00} bonus. The requirements were met, and multiple agents on the live chat as well as over the phone, including a supervisor, have promised me that I would receive the bonus. I spoke on XX/XX/XXXX to XXXX, employee ID XXXX, and was promised that the bonus would be applied shortly. To date, I have not received the {$400.00} bonus for this checking account. At this point, Citi needs to help me correct this issue, especially since I have been guaranteed the bonus by employees at the bank including the floor supervisor I spoke with on the phone on the 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 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello CFPB My name is XXXX XXXX i applied Chase XXXX XXXX Card and my application was declined with phony reason that supposedly i had unsatisfactory relationship with Chase Bank. I called spoke With XXXX department that created this baseless reason that i have unsatisfactory relationship. I was told i had XXXX XXXX XXXX and they closed it thats why its they can not approve my Chase XXXX Personal Card. It's true i had Chase XXXX XXXX  Card and had balance but since they closed my card i already paid off my balance and did not violated credit card agreement. I want please investigate this biased situation and approve my Chase XXXX Credit Card Application. I have great Credit And i'm very responsible borrower. Chase Makes up baseless reasons and closes credit card and then did not approve application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I called trans union at XXXX I spoke with a representative but they were not able to help me out I was a victim inquiry System when Trans Union deleted inquiries off of Ppls report and then added them back not doing it the right way I was a victim so when I spoke to the representative I named the increase that was on my report that I want it removed XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX/apt owner, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ... ... .... The representative was not able to help me kept saying he did not know what I was talking about I will like all the inquiries Removed from my credit file

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 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report. 

I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt

Company response to consumer: Closed with explanation