vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I just received a credit report for identity theft and there is 2 commonwealth financial systems on my report for a total of {$1100.00}. Dor the past two months. Now I have not been to the hospital in years. Its either someone using my identity or this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I disputed a charge in on or about XX/XX/XXXX for a charge from XXXX XXXX XXXX. I cancelled the service and was charged and mailed out a package. I refused the package and it was returned to XXXX XXXX XXXX. I was refunded by Ally Bank shortly there after. On XX/XX/XXXX my account was deducted the same amount {$170.00}. Ally Bank is claiming it was a valid charge because XXXX XXXX XXXX claimed they didn't receive the package back. I spoke to XXXX & XXXX and they stated that sent a refund around XX/XX/XXXX and then Ally said they pulled it back because they didn't receive the package. After four hours of going back and forth I found out that the XXXX tracking number confirmed they did. Every time I call Ally I have to speak to someone else and tell the same story over and over. They advised they mailed a letter on XX/XX/XXXX to date I haven't received it. They advised they escalated it on XX/XX/XXXX and someone would call in 2 days. No one has called. Ally blames XXXX XXXX XXXX and vice versa. I am stuck in the middle and Ally refuses to help me other than tell me send me back & forth between Ally XXXX XXXX XXXX XXXX. I have been disconnected while sitting on hold, no one calls back. I have given Ally tracking numbers, at their request to be later told they can't look it up. Meanwhile I am still out {$170.00} and get the run around EVERY.  SINGLE TIME.

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX  XXXX/XXXX and XXXX XXXX/XXXX. I am doing all of this on my own behalf.

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing all of this on my own behalf.

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: NV

Complaint narrative:
Flagship Credit will call at least 7 - 8 times a day. Also calling people we know but not have been in contact with for years. Have contacted ex spouses, left voicemails without saying who they are. Has also been calling employer

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 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC : Account manipulation. 

They're running a promotion for {$750.00} " Welcome Deposit ''. To receive it the customer must make " Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I applied to open the account on XX/XX/2019. They sat on their hands contriving excuses to delay the opening for two weeks until it was XX/XX/2019 so I wouldn't be eligible to start fufiling the requirements until XX/XX/2019. In the interim, I would've had to have kept a minimum {$75000.00} balance at all times to dodge the $ XXXX/mo maintenance fee. 

Completely deceptive, manipulative ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
In XX/XX/2018 Judge XXXX XXXX from Superior Court of CA granted in full the claim of exemption for wage garnishes. Judgement Creditor XXXX XXXX was directed to release monies held to me the judgment debtor. In XX/XX/XXXX this year I received a letter from Gurstel Law Firm stating they will renew the judgment for another 10 years!! I wrote a letter to them stating that I do not owe this debt. I dont know who XXXX XXXX XXXX are but they keep harassing me for this debt. They have not sent me any verification to validate debt to be collectible. 
Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother had a Chase freedom visa Card account and I was an authorized user. My mother passed away XX/XX/XXXX. I called Chase freedom visa card and told them about my mother passing in XX/XX/XXXX and faxed them her death certificate and chase told me I was not responsible for this account since I was not on the account but only an authorized user. This is now XX/XX/XXXX and I had my credit report run and found that Chase freedom visa card reported my mother 's account on my credit report as a discharge back in XX/XX/XXXX. I called Chase freedom visa card and spoke with XXXX who told me I am not responsible for this account and he has no idea how this ended up on my credit report. He would have this removed within five days and I will be sent notice of this removed off my credit report. It has been two weeks and I have not received anything in the mail as to this being removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 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: MI

Complaint narrative:
Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my equinox and experian report with the dates listed. it is very much a problem, thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
I received a call from ( XXXX ) XXXX identifying themselves as USAA - for which I have multiple accounts. They said there was a " change in my status '' and asked for my social security number, which I foolishly gave them. When they asked for my login information, I told them I did not feel comfortable giving them this information and would call USAA myself. 

USAA can not verify that this is their phone number and I am worried someone has accessed my social security number. I would like to know what I can do to protect myself. Thank you -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westwood Legal
State: ID

Complaint narrative:
I was contacted XX/XX/XXXX by XXXX XXXX with Trinity Everest Associates claiming there is pending action and a lawsuit against me for an unpaid XX/XX/XXXX Visa account and all bank accounts, tax returns and anything tied to my social security number would be frozen. I have no bad debt, and dealt with a fraudulent claim in XX/XX/XXXX regarding the same account number he provided. I told him this, at first he was nice, said he would help. I said I've received nothing by mail. I felt it would be best to avoid giving any personal data that could be used if this was a phishing call, or attempted fraud. He claimed they mailed notice on XXXX to a street address I lived at in XXXX, but coupled with a city I lived in in XXXX, and my current home address. Told him nothing has been received at that address. He asked if it was my current address and I repeated nothing has been received at that address. He demanded to know if it was my home address and I said I didn't intend to verify or provide any information except to prove the debt wasn't mine. He became belligerent, said I had 2 hours to provide a letter to prove that. I stated I was at work and couldn't do that. He asked when I would be home, I said around XXXX XX/XX/XXXX. He asked where I was, I thought to determine time zone. I said I was in XXXX XXXX and he cut me off, became furious, said OH, now you are in XXXX, your account won't be here by then. They will just proceed to sue you. I was flustered, stated I worked in an adjacent state, which I should not have revealed. He said we were done, gave his extension was XXXX and said good luck and hung up on me. I called XXXX Visa and confirmed there was never an account with that number in my name. They have records of the problem in XX/XX/XXXX. I have documentation the XXXX account I did have was paid in full to the company that acquired that debt. They called from XXXX and left call back number of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-08-03 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I recently learned about important credit is and so I decided a few months ago to pull my credit report for the first time and as I did that I fount a collection on my account from XXXX   XXXX XXXX. it is a medical bill that I never have heard of these people and I also have never been with insurance. I have had XXXX  since I was XXXX years old and I am now XXXX. There is no way that this bill can be legit with me haven for one no  acknowledgement of it and also it reporting that I would of owed something for the simple fact that I have had insurance my whole adulthood. I have many many times disputes this account I have kept getting the verified status back but never received a single paper of how this account was verified I even called this company and stated to them as what I wrote before and they were unwilling to help me or take my insurance number or my information to actually VERIFY THAT if this WAS MY ACCOUNT it would have been paid by my insurance. Ive sent my ftc report Ive sent proof my insurance I have sent everything needed to prove myself and havent got anything back to show me proof of there verification but state this is my account and hasnt even tried billing insurance or sent them a bill. I called my insurance couple and they stated I have had no lapse in my insurance and I know this because I XXXX my son in 2012 and I had insurance whole 2012 so I decided to give XXXX  XXXX a call back and again was unwilling to help me and my insurance stated to me give them my insurance billing number and tell them I had insurance If this is my account they need to send caresource a bill as if this was legit mine that they would have paid it and this company XXXX XXXX was unwilling to help me at all and by all means this is violation of my rights to keep reporting this inaccurate information on my credit report that shows it is reporting different information on each credit report and that I have no acknowledgment of this account for fact I have had insurance and my insurance states they didnt bill them nothing and this company wouldnt take my insurance billing information and send it off to them and this needs to be deleted now

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.

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 2019-08-03 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: MI

Complaint narrative:
Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my XXXX and experian report with the dates listed. it is very much a problem, thank you for your help.

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 2019-08-03 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: TN

Complaint narrative:
I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: TN

Complaint narrative:
I'm relocating to LA and looking to purchasing a condo. I checked my credit  score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC  and to my local police department. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
Ford Motor Credit. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written Ford and XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX AND XXXX. I am doing this on my own.

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