vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 non-monetary relief
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I closed my American Express green card account ( ending in XXXX ) on XX/XX/XXXX. They continued approving recurring charges after that date. I had access to the closed account and so could see the new balance, and continued to pay the balance monthly. I called and asked them to stop approving new charges since the account had been closed by me, and I called the merchant to tell them to suspend recurring charges. Instead, the merchant continued submitting charges, and American Express continued to approve them, even though the account was cancelled. In XX/XX/XXXX, I opened a new green card ( ending in XXXX ) and at that point could no longer access the old account ( XXXX ) to view the balance or make payments. I called American Express to verify there wasn't any account with a past due balance, including the account ending in XXXX, and they informed me all accounts were current. They reported the account ending in XXXX as delinquent in XXXX and XX/XX/XXXX, as a result of charges submitted months after I closed the account and they approved " on my behalf '', despite my cancellation of the account and instructions not to approve any new charges. I believe they do this because it is in their financial interest to do so, even though it harmed my credit score badly. I've been a card member of American Express since XXXX. I've written to their customer service and credit bureau unit XXXX times over the past 12 months and have filed XXXX formal complaints with them. I don't believe they should be able to legally approve charges on behalf of customers on closed accounts and then bill those customers for late fees and report the accounts as delinquent, when the customers expressly instructed them to cancel accounts and stop approving charges. They made money in this situation, and my credit score decreased significantly. It's the only delinquent report in my credit history in my lifetime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX 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 - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time 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 2022-03-17 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Name of the Credit Card ( Apple Card ) Prior purchasing an XXXX from XXXX XXXX, Apple Card was contacted to inquire about their card cash back policy. I called, was informed that it is XXXX XXXX. I ordered my XXXX, using Apple Card, but suddenly I found the expected cash back XXXX XXXX. I called again, but they apologized, then decided to return back merchandise, expecting that would be the end of the transaction like any other credit card. 

But, surprised to find out that I was in debt of over {$40.00}. My credit report was affected, and I file a dispute with the XXXX XXXX XXXX " XXXX '' which they advised to call Apple Card. I have called Apple Card repeatedly, but got nothing to understand when listening to their explanation, except they not only the Apple Card by itself, but its derivatives like XXXX XXXX, Daily Cash,... etc. which I have nothing to do with all of that. 

Moreover, when I tried to pay my XXXX service charge of {$1.00} which should be paid by my XXXX XXXX XXXX XXXX Credit Card, it's automatically charged to Apple Card, which I have no clue about the monopoly of Apple Card to swallow any purchase transaction done by XXXX XXXX, as I have not agreed to any of these limitations. 

Please be advised that, finally Apple Card made an adjustment to XXXX Balance when I tried to get help from XXXX XXXX " that is what I thought ''. Few days later, I was also requested to make a last payment made by Apple Card of {$1.00} for XXXX charge which I did by sending a check to the Apple Card address. 
Unfortunately, this is followed by receiving repeated messages on my phone requesting payment of unknown earlier balance ( over {$40.00} ), which I repeatedly responded that this is unearned money I can't pay, and requested the termination of my card, as well as, stopping further harassment. but, they opt to continue. Naturally, my XXXX XXXX is negatively affected. 

As a XXXX XXXX XXXX senior citizen, your assistance in putting an effective end to these infractions directed to consumers is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: AZ

Complaint narrative:
I traded in my XXXX XXXX  for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXX added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call Experian. I called Experian and they said they can not remove inquiries and to call XXXX XXXX. So there is nothing I can do except go online and tell everyone not to use XXXX XXXX and not to subscribe to Experian as there is an endless loop there with no 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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
I closed my Axos checking account some time ago. There were scheduled transfers associated with that account that would pull money from my external account that were not cancelled by the bank. As a result the bank pulled money ( XXXX ) from my Customers bank checking account on XX/XX/16 when it no longer had authorization from me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My Lender " Shellpoint/NewRez '' Loan # XXXX has incorrectly calculated my escrow analysis. They have raised my payment by ~ $ XXXX. This is related to a forced placed master insurance policy that was never needed. My building is a XXXX XXXX high rise condo that has always had up to date insurance. They did not do a good job working with my HOA to collect the information manually. 

I have been trying to get NewRez to recalculate my escrow analysis prior to my XX/XX/2022 payment ( which shows the increased payment ). They have not responded to me via messaging on their site. I chatted with their online tool and was told that they will escalate but it could take 30 days to review. This is unacceptable. 

Please help. 

XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
Received a call on my cell which showed up as potential spam call and your agent started asking me for personal information to confirm Identity. I questioned him to confirm this is not just a phishing call and agent go upset and started threating me that he was going to report me as not comping to pay cause I didn't give him my confidential information. I am aware there is a debt that has to be payed and I am more then happy to resolve this issue but your agent had the wrong attitude and I don do not appreciate him threating me to report me to his client and create bad and false reports on my Credit. I just received a letter making me aware of this debt and will be taking care of it but I will not be dealing with any of your rude and unprofessional agents. This debt could be been resolved today but since he just got upset when I questions him to make sure I was not getting scammed he just hung up on me and did not give me a chance to speak. Agents like that should be fired in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call XXXX. I called XXXX and they said they can not remove inquiries and to call Wells Fargo. So there is nothing I can do except go online and tell everyone not to use Wells Fargo and not to subscribe to XXXX as there is an endless loop there with no 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Hi team, I signed up and was approved for an American Express Delta Skymiles Platinum card in early XX/XX/2022. The card was supposed to have a XXXX $ annual fee but after multiple weeks, this fee was not charged. In order to budget for the holidays, I reached out to American Express support regarding the new card and asked when the fee would be charged. They explicitly stated in writing that there would be no annual fee charge until next year. I went on to budget and make purchases as planned until, after a few weeks, the annual fee was charged to my account on XXXX XXXX. This messed up my budget and caused financial stress due to the unplanned nature of the fee. I reached out to support again who told me that they could not cancel the charge but would put it up for review by the finance team. I reached back out over the next few months but it had still not been processed. I finally reached out on XXXX. XXXX and was told that it had been reviewed and the cancellation request had been denied. This has left me in a situation where a credit card company told me explicitly that I would not be charged a large fee, but they went on to charge it anyway. It is obviously in their best interest to surprise their customers with a fee that they claimed would not be charged. I have lost trust in their support and would still like my XXXX $ back. This is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022, I notice there were numerous transactions on my checking account that I didn't authorize. I called M & T Bank and informed them of the problem. I was told that my card would be closed and a new card would be sent out. I was also told to monitor my account and if there were any more charges made to call back in. Which, I shouldn't have had to do so if I've already reported the issue. Later that evening I logged in to see another charge was made. I called back in to speak with a representative and at that time the ATM card was shut down. I don't know why it wasn't shut down immediately when I called earlier that day! The second representative also sent me a new card out expedited and finally closed the old card. I spoke with a supervisor this morning XX/XX/2022 about my issue and told her there were more charges and I ask how could this be if the card was closed? She then put in another dispute for the extra charges. I also ask why did I not receive any alerts notifying me as well as the bank that these charges were occurring back to back? Because I had reported the issue yesterday XX/XX/2022? She couldn't give me a clear answer. As of now, this issue has cost me a total of {$190.00}. And I would like my money refunded to me asap and for them to fix the system that's supposed to notify members of the activity on their accounts. I received one notification after the fact and never received any other notifications about the other transactions I didn't approve. The supervisor told me she would be clearing the issue up but, I haven't heard back from her. This is unacceptable for M & T Bank to handle one 's account in this manner when they're entrusting the bank to protect their funds!

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 2022-03-17 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: DISCOVER BANK
State: CA

Complaint narrative:
This letter is for me to try and explain my dispute with XXXX XXXX, XXXX. 
On or around XX/XX/2021 XXXX XXXX called me and stated that the Federal Government was behind a program to go after credit card companies for taking advantage of senior citizens. she proceeded to explain to me that as an example $ XXXX balance could turn into a XXXX $ XXXX and five years to pay. she showed some other examples I didn't have time to write down. Then she said that all this credit card debt would be totally written off by the card companies within 18 months and that although my credit would go way down, that within 18 months it would rebound to be even better than what it was at this time. She went on to state that their fee for their services would be {$7300.00} and that I should get that money from Discover Card ( on the account ending in XXXX ) and that that amount would also be written off by Discover Card. I had to hand write everything she was saying because it was all over the phone. I never received anything in writing from XXXX XXXX XXXX. 
I had three differnt people that were to be taking care of my file, first XXXX, then XXXX and then XXXX. Neither of these persons ever answered phone calls or emails, no communication what so ever. The {$7300.00} charge was done thru XXXX XXXX XXXX, ADDRESS XXXX XXXX XXXX # XXXX XXXX, TN XXXX, phone number ( XXXX ) XXXX. 
All I've asked Discover Card is to charge XXXX XXXX  back for the {$7300.00}, XXXX XXXX is a part of XXXX  XXXX  as well as XXXX XXXX XXXX, all three are part of this scam and use different names so you can't get ahold of anyone of them!

Company response to consumer: Closed with explanation