vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am/was the co-signer on my sons student loan. Loan originally with XXXX XXXX, approximate date of original loan XX/XX/XXXX. Loan transferred to XXXX. I am seeking any relief possible from XXXX pertaining to the ongoing lawsuits being filed by state and federal agencies. 
XXXX ID XXXX, as per copy of Signatory Loan serviced by XXXX. Previous contact with CFPB resulted in action taken by some credit reporting agencies, not all. Furthermore, around XX/XX/XXXX, I was subjected to several harassing phone calls from XXXX, one particular stated he knew we had been recently financed for a newer vehicle. Not proper info for him to have. 
Two previous complaints I filed with CFPB are both dated XX/XX/XXXX : XXXX XXXX I have filed a complaint ( mailed on XX/XX/XXXX ) under the Class Action Lawsuit against XXXX, for their failure to timely remove and/or update MY status as it pertained to XXXXXXXX. 
On XX/XX/XXXX, XXXX informed me that my application for XXXX XXXX  XXXX XXXX had been approved. Effective date is date determined by VA, that effective date is XX/XX/XXXX. 
I have in my files copies of XXXX and XXXX, dated after XX/XX/XXXX, showing that they had not removed ( or expunged ) from my credit file the XXXX student loan. 
These statements are true and factual to the best of knowledge and documentation. If, I am incorrect, in explaining these circumstances, then I formally and apologetically withdraw this complaint. 
Sincerely / Respectfully XXXX XXXX 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 2019-03-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am/was the co-signer on my sons student loan. Loan originally with XXXX XXXX, approximate date of original loan XX/XX/XXXX. Loan transferred to XXXX. I am seeking any relief possible from XXXX pertaining to the ongoing lawsuits being filed by state and federal agencies. 
Commonline ID XXXX, as per copy of Signatory Loan serviced by XXXX. Previous contact with CFPB resulted in action taken by some credit reporting agencies, not all. Furthermore, around XX/XX/XXXX, I was subjected to several harassing phone calls from XXXX, one particular stated he knew we had been recently financed for a newer vehicle. Not proper info for him to have. 
Two previous complaints I filed with CFPB are both dated XXXX XX/XX/XXXX : XXXX-XXXX XXXX-XXXX  I have filed a complaint ( mailed on XXXX XX/XX/XXXX ) under the Class Action Lawsuit against XXXX, for their failure to timely remove and/or update MY status as it pertained to XXXX. 
On XXXX XX/XX/XXXX, XXXX informed me that my application for XXXX and XXXX XXXX had been approved. Effective date is date determined by VA, that effective date is XXXX XX/XX/XXXX. 
I have in my files copies of Equifax and XXXX, dated after XX/XX/XXXX, showing that they had not removed ( or expunged ) from my credit file the XXXX student loan. 
These statements are true and factual to the best of knowledge and documentation. If, I am incorrect, in explaining these circumstances, then I formally and apologetically withdraw this complaint. 
Sincerely / Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2019 I was scammed out of {$4000.00} by someone on the phone claiming to be an airline because I have had issues with my ticket for an upcoming trip in XXXX. I have tried to work with WELLS Fargo but they say that I authorized the transactions. Tis is clearly a scam and I can prove it. and because of the amounts charged to my account Wells fargo should have flagged it and stopped my card from working.

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am in the process of filing Chapter XXXX bankruptcy - however, I received a notice via email from Paypal Credit that stated " If you are going to receive a tax refund check, please consider paying PayPal Credit. '' This should be considered deceptive collection means under the FDCPA, as it is insinuating that funds refunded by the government should be used to pay a debt, which the creditor can not request. If the creditor continues their harassment I will have no choice but to seek suit ( possible class action ) against them for attempt of collections by unconscionable means.

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 2019-03-29 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 contacted Experian five ( 5 ) times to correct an inaccuracy that is reporting on my PAID subscription for credit monitoring with Experian. I opened several tickets with them and the last ticket number being XXXX. I am including the proof attached. You will see that Experian is reporting that I was recently late on a payment and showing that this late payment was made eleven ( 11 ) months ago and that is incorrect. There are only two accounts in my report that were ever late and it was more than five ( 5 ) years ago. In fact the account that Experian is referring to was charged off more than six ( 6 ) years ago and and slated to be removed under the Statue of Limitations on XX/XX/2020. This inaccurate reporting showing I was late eleven ( 11 ) months ago is inaccurate and is damaging my credit score. This is causing me not to obtain a home loan and this is illegal according to the FCRA. Inaccurate information is mandatory to be corrected. I am including and highlighting where in fact that Experian has refused to correct this inaccuracy. I demand under the FCRA that this be corrected. I have attached a 3 page Summary and  on the last page of the attached shows 11 Months ago a late payment was made. I have also included my full credit report that show only two accounts ever late and both are more than 5 years old.

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 2019-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
I first purchased a car with low credit score I paid on that car every month on time for a year the company that sold it to me knew there was something wrong with it and sold it to me anyways well that company owns the finance company who gave me a high interest rate when the car was totaled because of the problems my insurance and the gap insurance paid off the vehicle plus the money I have been paying every month in total I paid too much because if the car was paid off three years early why did I pay the full amount of the whole term why didnt I get my tax title license why did XXXX get my packages that I purchased for the car back nothing I received nothing so they got paid too much money I receive nothing then I get another car from them with no money down because the first one was totaled they never ran my credit they just gave me two point better score than the first time the first car it was at 21 % interest second car 19 percent interest So originally I was XXXX Everything said and done XXXX when everything said and done at the end of the term Im gon na be paying {$35000.00} for a car thats worth {$4000.00} right now bluebook but they wont fix the interest rate even though they didnt run my credit even though my score was 150 points better than the previous vehicle I dont feel like thats fair I think is unjust and its probably breaking several violations and laws The car was purchased to XXXX XXXX  which is the sister company of Bridgecrest which I believe owns the gap insurance company all are owned I believe is the ugly duckling corporation

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 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
A fake collections company is calling saying I owe money for an emergency room visit. I called the hospital and our visit was never sent to collections and was paid by our insurance. We never received any type of bill regarding our visit since we had already met our deductible that year. The statement we received showed it was paid in full. They only know me by my phone number- no account number, no nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: TX

Complaint narrative:
I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. 
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. 
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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 reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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.

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 2019-03-29 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 reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc.
State: TX

Complaint narrative:
I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. 
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. 
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
First I want to say that for the last year and a half I have been calling the reporting agency asking to dispute these 3 accounts. Their representatives kept denying that the accounts were even showing on my credit file from their end. I didn't have access to a complete credit report because the online portal kept telling me that the information I provided was incorrect. All the while these accounts were showing on XXXX XXXX. 

So either they were previously deleted and now are allowed back on my file or the representatives lied to me. Either one would be a direct violation of the credit reporting act. 

The reporting agency just recently send me an update that the information was verified and valid. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 

I have called this original creditor company several times informing them that I was a part of several government and Equifax data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. 

This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have never lived in Florida, so this is very concerning. I even supplied my lease in the state of Texas for the time this debt was made. 

I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is my original complaint case number : XXXX I made my two payments and the resolution was they were going to credit back. I've contacted them and they still havent credited and mentioned they don't see a credit on file. I'm trying to get this resolved before XXXX so they don't hit additional fees. Please help. 

Thank you!

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 monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TN

Complaint narrative:
This had been the worst year of my life financially. My fiance was in a XXXX and even when he recovered needed extra assistance and time before he could go back to work.

I have been paying world finance for years foolishly refinancing a personal loan. I have almost paid them off - I owe a total balance of just {$260.00} and am 10 days late on my payment. They get paid every single month but this month they have decided to take to harassing my friends family and former employer and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for the American Express Gold Delta SkyMiles Business credit card on XX/XX/2018. There was a promotional offer attached to the credit card to earn XXXX bonus miles after making {$1000.00} in purchases within the first 3 months of card membership. 

Before my credit was ran and applying, I was NOT advised any message regarding not being eligible for this offer. 

I applied for the credit card as normal, and received it the following week. On XX/XX/2018 I decided to check the status of the promotional welcome offer. I have attached the chat from XX/XX/XXXX where the customer service rep stated that the offer had been declined by the back-end team. 

Extremely upset because I also received a letter from American Express on XX/XX/XXXX, stating that I was shown a pop-up with a warning that I would not be eligible for the offer BEFORE applying & running my credtNO SUCH WARNING WAS SHOWN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I am being billed for an amount due that comes from an invoice that was altered after I/we signed the invoice for purchase of a sectional sofa at XXXX XXXX XXXX XXXX. XXXX # XXXX totaled {$9700.00} and seller registered in their books as {$12000.00}, and sent the difference to collections. I wrote the collection agency and disputed the {$2400.00} charge and asked for validation of the debt. I also asked them not to report this to credit bureaus since I did not recognize this debt and did not owe money to their client. Professional Adjustment Corp. SW FL Inc , went ahead and reported this debt to credit bureau XXXX Their first response to my debt validation request was a statement from their client ; no invoices or other documents. Again, I wrote requesting all supporting documents and later received all invoices. It was then that I realized the original invoice had been altered and sent them a copy of my original, signed invoice along with their altered invoice and statement reflecting incorrect amount. All correspondence was sent via certified mail. I can provide supporting documents. Store attempted to collect this amount prior to delivery and I disagreed and went personally to the store to try to find where the open balance was coming from ; no one in the stores business department had the answer, so delivery was scheduled and furniture was installed in our home. I disagreed and disputed this balance from the time I was made aware of its existence and have proof all invoices were paid entirely using my credit card. I now learn through the collection agency that the original invoice was altered after being signed and paid for and that XXXX XXXX XXXX XXXX knowingly and deliberately submitted a false, inflated invoice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation