vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-04-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my 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 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Per Gov. XXXX order, collection efforts are to be on hold for a minimum of 60 days during the pandemic. This company has continued to send me mail and phone calls regarding medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$1300.00} XX/XX/2018, {$260.00} XX/XX/2018 I DO NOT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 Comenity Bank via my XXXX XXXX XXXX charged me the deferred interest on a 12 month promotional financing plan at the conclusion of my 12 month cycle. The billing cycle payment date was XX/XX/2020. I have multiple store cards that have promotional financing that syncs the payment date with the expiration of the promo financing. Comenity Bank sticks the expiration in the middle of your payment cycle so that if you're on autopayment you'll miss the expiration and end up having to pay the deferred interest charge. This seems like it's on purpose. We paid our bill on time every money ( splitting the balance across 12 months ). I phoned Comenity through XXXX XXXX and asked for the reversal of the finance charge of {$160.00} as we were only 7 days late ( difference between the promo end date and the payment due date of the card ). I spoke with a supervisor and was told that they will not do a courtesy reversal. This is an obvious attempt to mislead credit card users by not lining up the promo expiration date with the final payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: FL

Complaint narrative:
I have sent Experian 3 different letters asking them to verify and or remove inaccurate information from my report and they have failed to verify it and remove it. The other credit agencies did remove the inaccurate information from my report Regarding XXXX and XXXX XXXX and Experian after 2 attempts still refuses to verify the information and remove it from my credit file. Each time I dispute they do not send the requested information to verify the debt they just state it remains and has been updated. If the other 2 credit reporting agencies found errors and removed the items how is Experian able to still report these?

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 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Went online to pay bill sent to debt collector in amount of XXXX. Would not let me access account info. A link popped up for chat line to talk to agent. I talked agent gave account number they started typing my wife owed XXXX from 12 account and how did I want to pay.i told them I owed XXXX from original debtor they keep saying other amount then typed in bold capital letter we owed 12 account XXXX. I have never dealt with these people ever before. I will not pay a bill I dont owe. So I stopped chat. They will not let me pay the XXXX we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In a prior CFPB complaint against Chase, I gave evidence that they had refused to compensate me regarding identity theft on my chase debit card. Please reference complaint XXXX. They had compensated me {$380.00}, and said they will resolve the {$170.00} by XX/XX/XXXX. I still have not heard a back about the {$170.00} despite Identity Theft being reported to the FTC and the sherriff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/2020 Western Union took out {$500.00} from our checking account via ACH for no reason. On XX/XX/2020 I filed a complaint with Western Union to get my money back. We do not use Western Union to pay bills. We use Western Union to receive money via quick collect. I have called 4 times and the only response I get it is being escalated. On XX/XX/20 I talked to operator XXXX  who stated I will have an answer in 2 days and to call back. I called today XX/XX/20 and the only thing they say is being escalated now to the bill pay department. I have been on the phone for 38 minutes with no resolution. I want my {$500.00} back plus interest from XX/XX/20 as well as an apology for taking out my money without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am not familiar with this item on my report and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$200.00} XX/XX/2017, {$730.00} XX/XX/2017. I DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The bank confirms that the funds ( $ 34K+ in principal deposits ) in my company 's savings account are " on the ledger '' but that they are " not available. '' Regrettably, they can not advise as to why, or what needs to be done in order for the funds to be released. I repeatedly went to the Citi branch in XXXX, California and they advised me it was a " fraud '' issue. I called Citi fraud and they confirmed there was no fraud and noted on the account that there was no hold from their department. The branch then tried to call various Citi departments to get an answer but was unable to do so.

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 2020-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: VA

Complaint narrative:
This company was contracted by XXXX XXXX to collect on a debt originally owned by XXXX XXXX XXXX. Unifin & I came to a settlement amount of {$2600.00}. This was in XXXX of 2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to Unifin and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to Unifin to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. Unifin then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet Unifin denies this despite the check being clearly stamped " Unifin for deposit only '' ( which XXXX provided me with a company ). To this date, I hace not heard from Unifin. Since all calls are recorded, I encourage you to pull the tapes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
In the process of refinancing my residence last week, my credit was checked by the mortgage broker. The broker informed me I did not qualify for the rate that I was attempting to lock-in because of a recent debt reported to my credit report ( reported on XX/XX/XXXX ). A cable utility company sent an unpaid debt of {$710.00} to collections. The debt was related to an account opened in XX/XX/XXXX that went unpaid. I called debt collection agency and learned it was for an account opened at an apartment complex that I moved from 19 years ago in my maiden name. I filed a formal complaint with the police department for identity fraud in the city where the account had been opened. The detective informed me today that after checking with the apartment complex and with the utility company there was no evidence of identity fraud. The person that opened the account has a name similar to my maiden name but used a different DOB and social security number. 

It appears the debt ended up on my credit report in extreme negligence because my maiden name was similar and I at one point lived in that apartment complex ( almost 20 years ago ). I've tried calling the utility company but since I don't have any of the account information and they can't find an account in my name they won't help me. I've called the collection agency and they will only tell me that it has been marked as a fraudulent account. 

At this point, I can not find anyone to confirm this will promptly be removed from my credit history. It has already cost me thousands of dollars due to no longer qualifying for a much lower interest rate on my residence. Utility companies and debt collection services should be held responsible for this type of negligence. The smallest amount of due diligence by the debt collection agency would have prevented this from happening. A lawsuit will be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I initiated an instant transfer from my XXXX account to my Wells Fargo account in the amount of {$3.00} on XX/XX/20. XXXX indicated funds availability on XX/XX/20. The funds were delayed by Wells Fargo and not available until XX/XX/20.

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 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited a check from my grandfather in the amount of {$1000.00}. He sent this money to help me as I am a single mother who has been laid off due to Corona. The check was put on hold, with out {$200.00} rule being observed. The check has posted to my grandfather 's account as of XX/XX/XXXX. The funds are on hold until XX/XX/XXXX despite having already cleared. These funds are desperately needed, and even though the check has been cleared, the bank is still hold guaranteed funds. I have received no help, in even getting the first {$200.00} made available as per reg. Cc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Tesla, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I traded in a leased XXXX XXXX  XXXX ( XXXX ) to Tesla Motors in XXXX, MA. Tesla was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX. 

On XX/XX/XXXX, I became aware that my account with XXXX XXXX was delinquent because Tesla never sent the payment to XXXX ( or sent it to the wrong address, as they allege ). 

Due to Tesla 's mishandling of my trade-in 's buyout, my XXXX XXXX account has accrued additional balances and aging that I feel are not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2020-04-23 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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