vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On Wednesday, XX/XX/2019 was checking my credit score on XXXX XXXX  before leaving for work as i have been working hard over last couple years to get my credit score as high / in good standings as possible as i can. found that my score had dropped 7 points over night, due to the fact that We Energies the Electric Utilities provider whom services my area had removed themselves from reporting to trans union credit report. i was lead to We Energies from Trans union, We Energies Personnel began to explain that this was not the problem of WE Energies. they only changed how they billed customer and stopped/removed reporting to Trans union and other credit companies, how they they translate that information and put on credit reports is each persons individuals customers/ persons PROBLEM. This was completely shocking to me as i have been paying my bill 's on time if not early most months over the last couple of years with We Energies. ( not like a cell phone customer can just switch to a different provider after this type of treatment & and filing a complaint. we customers still have use them for our utilities, like getting abused but can't leave the abuser. ) ( WOW ) now they are more then willing to use mine and ten 's of thousands of their customers Credit scores to reduce their costs in billing, by just doing this way of removing reporting to credit companies reporting no big deal i think was the term /statement they used. ( SHOULD NOT WE ENERGIES HAVE TO MAKE THESE TYPE OF CHANGES TOTALLY AT AND ONLY AT THEIR EXPENSE NOT THEIR CUSTOMER 'S SEEM 'S TO BE IF EVEN A TRUE TERM MALPRACTICE OF BUSINESS IN MY OPINION ) To me it is completely logical for a company to reduce operation cost, however i don't believe i have ever heard that using their customers credit ratings was and except able way of doing this.in my opinion it feels like they have stolen part of their customer credit scores to reduce their billing cost. I have a question i heard that credit companies only make money on negative credit score reporting if that is true? then i'm really shocked, because i'm sure We Energies attorneys/accounting managers knowing that. doing this must have weight that as a choice factor, before deciding to just choose to take this route of make change to how they would stop reporting information to credit companies. as a risk of back lash even if not illegal just unethical. to be worth the saving to the hurt even possibly damage credit of ( people and families ) customers to be worth their $ $ savings more important!

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 2019-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Encore Capital/Midland Funding LLC Encore acquired the account ending XXXX XXXX in XX/XX/XXXX  going into may according to XXXX XX/XX/XXXX there was never no letter sent to me about the said debt. I also have the copy that I sent XXXX back in XX/XX/XXXX of the said dispute in which XXXX 's kept telling me some one was working on it. If need be my XXXX bill has the calls to XXXX regarding the issue that was at hand. There is this about XXXX 's giving the run around. I see why XXXX is bankrupt due to there customer service. My next issue Encore Capital bought the said debt with no letter or the parent company going back to XX/XX/XXXX of the said bought debt. My next issue will be not to send me no back dated letter in regards to this account. As I said I sent a dispute well befor this account got bought and was in dispute status. I'm also filing with the US Attorney office of consumer rights on this matter. MCM/ Midland Funding/ Encore Capital or who ever owns the account I'm filing on all companies of no letter to dispute and what address it was sent to if there was a letter. XX/XX/XXXX there was a letter mailed out US Postal certified to Midland Credit Management in which there was no response to the dispute or clearing up the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
JH PORTFOLIO DEBT EQUITIES COLLECTIONS- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX/XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX- AMOUNT- {$430.00} DATE OPENED OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX/XXXX   RETAIL- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX/XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX  -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: NC

Complaint narrative:
Experian has willingly neglected to delete and block information on my credit report resulting from Identity theft. They continue to host 30 day disputes which is not in accordance with FRCA guidelines regarding identity theft claims. All information has been provided to Experian through certified letter, prior CFPB claim ( XXXX ), and an existing CFPB claim ( XXXX ). 

An account with XXXX XXXX XXXX XXXX has been placed back on my report after 5 months of it being removed which reflects Experian has failed to block the information which is required by law. It is also out of the 30/60 day of investigation/re-investigation time-frame. 

All information supplied to Experian is attached and shows the multiple attempts to resolve identity theft on my report. XXXX and XXXX handled this matter professionally and quickly. Any further attempts from Experian to only dispute and not delete and Block the  information will result in legal action. FRCA guidelines are attached for use by Experian as they have failed to delete and block the 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 2019-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I have a Health Savings Account ( HSA ) with XXXX XXXX  through XXXX/The Bank of New York Mellon for quite a few years. The account has not been particularly active, but during the second week of XX/XX/XXXX I transfered {$3500.00} online into my HSA account and it left my bank account on XX/XX/XXXX. Today, XX/XX/XXXX, I checked online into my HSA account and did not see the {$3500.00} credited. I then called XXXX XXXX and was told that the HSA account was closed by them on XX/XX/XXXX for inactivity. I received no notice from Benefit Wallet of the closing of the account, the representative told me today that there is no notice to me that the account closed, I was still able to go online and contribute to the HSA account that I just learned has been closed almost one year, and I have not been credited back the {$3500.00}.

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 2019-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On Today, XX/XX/2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and 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 2019-03-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On Today, XX/XX/, 2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My credit is showing a Chase Card Credit Card with a Current Status and Balance of {$0.00}. The Amount Past Due is {$0.00}. It's a Revolving Account Type. It says Remarks None. It was opened XX/XX/XXXX and reported XX/XX/XXXX. I got the credit report from XXXX and the credit report is from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: NJ

Complaint narrative:
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XX/XX/XXXX and additional letters on XX/XX/XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.

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 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am a identy theft victim and have this on all 3 bureaus and someone opened several accounts without contacting me to confirm now portfolio recovery associates has purchased these and has been hounding me for money I am XXXX and can barely afford my bills but they have taken it upon themselves to hire lawyers and sue me for this debt I had already sent each company a police report before they sold the accounts I have been bullied into paying to of these to stay out of jail the credit bureaus say they investigate and always find in favor of portfolio this is very stressful and wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.

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 2019-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MS

Complaint narrative:
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. Therefore I have attached a copy of the proof of delivery by the USPS in record that they did receive the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My previous address was XXXX XXXX XXXX XXXX XXXX NJ XXXX, which is correct, however they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX making it sound like a apartment instead of a single family home, which is wrong. Instead of deleting it, Experian puts it as an update, keeping it on my record. What is so hard for them to understand that's it's wrong and I want it off my record. I've complained at least 3 times about this and they are not budging.

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 2019-03-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.

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 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
Stayed with a buddy for 1 month and hooked up XXXX XXXX for internet. they put his past due bill on my account because it was the same address that he had XXXX XXXX and didn't pay his bill. As you can see I paid for the month I was there.

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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A flight to XXXX via XXXX XXXX that my wife and I were on was cancelled mid flight and returned to XXXX. We were put on another plane, took off and, again, returned. We were rebooked on a flight the next day thus incurring costs for transportation and meals. These costs were to be covered by the Chase Sapphire Preferred card which we had used to make and pay for the reservation. The costs, with receipts totaling {$380.00} were submitted. We were then asked to provide additional information, which we did to the best of our ability. They then asked for more information, some of which had already been submitted. We submitted further information. We were then asked again for further information and responded to the best of our ability. They declared they had not gotten sufficient information and I submitted a complaint like this XXXX to CFPB which became identified as XXXX which you closed because you felt that the provider had fulfilled its requirements and, apparently, that I had not. This is an incorrect summary. 
Chase continues to ask for the same information which we have, each time, provided in different forms, none of which has been acceptable to them. The facts are simple : a flight was canceled ( a matter of airline record ) ; we were rescheduled the next day and did fly that flight ; we encountered costs during the layover that are covered by the card and submitted receipts as requested. I ask that the CFPB reopen the question and pursue how this issue can be brought to mutual satisfaction. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: WA

Complaint narrative:
In XXXX of 2013 my husband and I went through a loan modification to restructure our debt. At the time we had 3 home equity lines of credit through Key Bank. All were included in the new loan. We have recently tried to secure a new home loan and discovered that not only are these account still listing balances when they should not be but are each listed in duplicate on our credit reports showing us as having {$160000.00} in collection accounts. We have attempted to contact Key Bank and have also disputed these accounts with the credit bureaus. Due to our disputes, XXXX  has updated their reporting showing two of these accounts as " PAID IN FULL WAS A CHARGE-OFF '' and the third account was deleted entirely.

Company response to consumer: Closed with explanation