vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: PA

Complaint narrative:
Across the XXXX credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than XXXX days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an XXXX complaint and so forth as well as added fraud alerts however XXXX, and XXXX along with experian have neglected to investigate my concerns as you will see on the attached documentation breaking XXXX  rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across XXXX bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action

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 2022-02-08 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: FL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: NC

Complaint narrative:
I made a XXXX XXXX XXXX XXXX  online purchase using XXXX. I returned the order and XXXX continues to try and collect for the balance of the order, even after I informed them of the return. Just today, XXXX had a debt collector to contact me requesting payment of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This complaint is related to XXXX prior complaints : XXXX & XXXX. XXXX  claims that I owe them {$110.00} following cancellation of my service. I assert that XXXX charged me for a phone line that I did not request and that I did not use. XXXX  can verify this from their own records however, they refuse to refund all of the overcharges due to their internal policies. In addition, XXXX unilaterally changed the " cancellation '' terms that I had agreed to when I signed a contract with them. Nonetheless, XXXX and/or their collection agencies has reported their alleged debt of {$110.00} XXXX times to credit agencies, each time having a meaningful effect on my credit rating. The dates that they reported the alleged debt are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. Thge amount of this alleged debt doesn't warrant a legal proceeding however XXXX continues to use their ability to disparage my credit rating without apparent consequence. In my opinion, the harassment is quite egregious and unwarranted.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). Synchrony Bank has violated my federally protected consumer rights by taking adverse action against me Pursuant 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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Afterpay US Services, LLC
State: NC

Complaint narrative:
I made a XXXX XXXX XXXX XXXX  online purchase using Afterpay. I returned the order and Afterpay continues to try and collect for the balance of the order, even after I informed them of the return. Just today, Afterpay had a debt collector to contact me requesting payment of the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 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: IL

Complaint narrative:
LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX  XXXX. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX XXXX  XXXX THAT MY SSN WAS INVOLVED IN A XXXX  DATA BREACH & FOUND ON THE DARK WEB AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE FTC # XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: IL

Complaint narrative:
LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXXXXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXXXXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is complaint number 3 that I am submitting for the same issue with Chase Auto Finance. I am currently XXXX and have a 3rd party insurance company, XXXX XXXX, paying my car payment. Again, Chase states they haven't received payment for XXXX, and the check was sent on XX/XX/22. It has not been processed and they are researching where it's at. I am being told I can call back in 7-10 business days to see if they've found it. I have multiple health conditions that require my attention and time. I shouldn't have to spend another hour on the phone for something they could contact me and let me know about. Each time you call you get someone different who asks about the situation and places you on hold forever to find the right person to talk to. It is undue stress that I don't need with my medical conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX XXXX, This information must be blocked immediately until the investigation over.

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 2022-02-08 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: FL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX  XXXX, This information must be blocked immediately until the investigation over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
hello, when Microsoft makes an offer, that says Free trial, you can cancel any time. I give them my credit card, which was blocked because it's very hard to cancel, they keep on charging that blocked credit card, and one day they put the charge on my open card without my permission when I complain about this and the credit card co. closed that card and issue a new one, one day they charged again my new card, I show the credit card co. the cancellation notice from Microsoft, and they still charge my card and close the complaint. 
please help me, XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I signed a lease with XXXX XXXX XXXX to lease a XXXX Challenger through XXXX XXXX on XX/XX/XXXX they were going to purchase my XXXX challenger from XXXX XXXX  who held my current lease. I provided the dealer with my payoff from XXXX and they did not do their due diligence and constructed the lease contract with the number I provided. I took delivery of the car on XX/XX/XXXX and then a few days later they called me asking to return the car because XXXX is charging them a completely different buyout then what was on my lease payoff and on XX/XX/XXXX the dealer called XXXX XXXX and they are now unwinding the lease agreement which is forcing me to bring the car back. The payment we agreed on was XXXX a month which they are no longer honoring and forcing me to return vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-08 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: SC

Complaint narrative:
I lived in an apartment with my significant other and child over 2 years ago. We moved out and was charged for carpet removal after other tenants had hardwood flooring already in their units. We were charged for the next person to have wood flooring. We never paid this due to feeling not being responsible for clean carpet because we got a carpet cleaning before move out. I have tried to get this collections account taken off of my Transunion credit report several times throughout XXXX. This year, I called the collections agency UCC on XX/XX/22 to ask about where the debt came from and they would hardly give me any information. I reached out to my former landlord last week on XX/XX/22 and they stated they no longer have control of the debt that the collections agency now has. Told me to call the agency and ask for them to remove the debt. I have never been to the agency or agreed to owing them debt. Also i was told my dispute complaints/results were accurate and that they still would not remove the collections off. I have disputed this over the phone and several times over XXXX XXXX. Today XX/XX/22 was the last day i disputed.

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 2022-02-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any XXXX XXXX XXXX and my request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00}

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Dear CFPB, First of all thank you for always being helpful to the consumers. 
I had purchased an XXXX  package from XXXX and unbeknownst to me they registered themselves as the registered agent and took the payment, when I realized they had done this I immediately called to cancel any Autopay including the one for the registered agent service. I thought the matter had been resolved. Without any advance phone calls, letters or notice, I received a threatening letter from their collection agency Caine and Weiner, XXXX XXXX reference # XXXX. I called XXXX XXXX  and they asked me to call CA state of Secretary and prove that the auto payments were cancelled, I tried calling and emailing them but got no response, I also emailed the law firm asking for the person who was in charge of sending the letter, their license number etc. I again received an email today demanding the XXXX dollar annual autopay XXXX XXXX keeps/kept billing without my knowledge and did not even send me a letter or phone call before referring to collections and threatening to damage our credit, This is highly unethical, illegal and slyly charging autopayments without our knowledge and then sending to collections without any attempt to first resolve or clarify what happened. Please help as this is threatening and harassment from XXXX XXXX  and Caine and Weiner Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NE

Complaint narrative:
I received an email on XX/XX/XXXX telling me Discover is closing my account due to inactivity. I paid off the entire balance in late XXXX & because I haven't charged anything on it in a few months, they are closing it. I called on XX/XX/XXXX ( one day after the email ) to discuss with them and it has already been closed- no negotiations. Closing this account will affect my credit- but they don't care about that. I am sure that this is legal or they wouldn't be doing it- but I think it's a horrible practice. So I am being penalized for paying my bills ... ... that is a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I took out a XXXX XXXX XXXX at XXXX  XXXX  secured by a mortgage on my primary residence. I paid this loan in full in approximately XXXX or XXXX. I no longer have any records of the transaction, and it was such a long time ago that I don't remember all the details. As far as I can recall I have not heard from XXXX  XXXX  since this loan was paid nor have I heard from their successor Wells Fargo Bank. A few days ago I learned that the mortgage was not satisfied. I then called Wells Fargo Bank to demand that this mortgage be satisfied. I spent more than XXXX hours on the phone speaking to XXXX different customer service representatives including supervisors. They all refused to even discuss this with me because I did not have the loan account number. I then explained that I am in the process of entering into a business transaction in which I am required to produce title to the mortgaged property free of any mortgages or liens. The bank 's refusal to satisfy this paid in full mortgage makes it impossible for me to meet this requirement ... and as a result I will suffer a monetary loss.

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