vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

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 2020-06-15 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB AMERICA is collecting {$2400.00} for XXXX XXXX XXXX. 

I have a medical health plan through my employer, and my XXXX online account shows there is no medical bill. I have not received any letters and messages from XXXX regarding this bill. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have communicated with Midland Credit on multiple occasions to stop calling me.. They repeatedly continue to call multiple times in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one has ruined my life!!! I have 3 credit cards with capital one. I had reported incorrect information on my credit report that capital one reported and my credit cards were removed from my XXXX  credit report by capital one. At the time i had a credit score of XXXX well because capital one keeps removing and adding accounts back my credit score today is XXXX and XXXX I am so livid!!! I was about to purchase a house so imagine my surprise when I was turned down for a mortgage. My credit report is wrong now it still says Im carrying a balance on one card for {$190.00} but my accounts are paid in full. I want capital one to restore my good credit and to be held accountable! I want to be compensated in some way because this has ruined my life I have a child  to send off to collage this year and now what am I supposed to do? My credit card company ruined my life how is this OK? I pay my credit card bills on time and this is what I get, no capital one not this time! I cant buy a stick of bubble gum thanks to this mess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: MA

Complaint narrative:
Account was dispute on the Credit bureu and response was that info is accurate. I called GLA on multiple accounts and my info like full social security was requested wich i decline to offer. 
On XX/XX/2020 I called the company wich I was answered by an collector named XXXX. I indicated I needed all the info regarding this account charges since they claim is accurate in order to move with this information to a lawyer since I assure the account does not belong to me. The collector XXXX who refuse to provide his last name for records indicated that he can not provide any info since I mention the word lawyer that the only thing he could help was if I volunteer to make the payment. 

He indicate that the call was being recorder and that he could not help with anything else. exept volunteer payment of the debt and no info can not be provided since the word lawyer was mentioned. 

I clarify once again that part of the process is for me to gather the info of the debt in order to move with a lawyer to make any additional request necessary. 

Currently the company is adding depts to my credit report and denying to provide debt information in order to clarify the identity teft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
My wife received a call from a North Carolina number and the lady that spoke with her was very aggressive. I called the number given ( not a North Carolina number ) and instantly the lady that answered started telling me I was being sued for an account that was not paid since XXXX. She stated it was from HSBC. I asked multiple times to send me some documentation for the debt or give me the date for court and she then hung up on me. I instantly called back asking why she hung up. She stated I was being rude, which I was not in any way. I again asked her why she was not helping me understand what the debt was for and she then hung up on me again. This was XX/XX/2020 at appr XXXX. I also contacted HSBC and they have no record of me ever having an account or my name in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-15 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: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC XXXX XXXX lates XXXX XXXX please remove the lates DEPTEDXXXX {$90000.00} XXXX {$10000.00} XXXX  {$850.00} XXXX XXXX lates XXXX  XXXX XXXX  lates XXXX XXXX {$400.00} 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 2020-06-15 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:
I want to know what is Experians policy on not responding to a complaint within the 30 days period given by FCRA, according to FCRA all disputed items has to be removed if not responded to within 30 days. I have provided dated certified mail receipts, copies of dispute letters, but yet the accounts in question still remains. My first letter was sent on XX/XX/XXXX and it was received by Experian on XX/XX/XXXX to which I did not receive a response so I sent another certified letter on XX/XX/XXXX which was received by Experian on XX/XX/XXXX. Copies of the Certified mail receipts and letters are included in this complaint.

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 2020-06-15 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-06-15 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
conflicting offers of how to qualify for forbearance. have been approved for forbearance until XX/XX/XXXX. received letter XX/XX/XXXX asking for documentation to qualify for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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 applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I have called twice today XX/XX/XXXX, and called about 3 weeks ago requesting proof that my car has been paid off ( which it has for about 3 years ). The time i called three weeks ago i was told that Ford sent the lien release to the DMV of Maryland. I called the DMV of maryland who said they dont get sent that information. 

The two times i have called today i was hung up on when getting transferred to the ford motor credit company and the time i called them on my own, they didnt have my social on file so i couldnt get through to anyone. 

I then called again to speak to a manager which i have now been waiting for 2 hours to get a call back. 

I just need the lien release to my car, something the DMV doesnt have and dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
I applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-06-15 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: FL

Complaint narrative:
I applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-06-15 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020, I instructed American Express to close my Amex Everyday card through their website chat. A few hours later, unfortunately I noticed that the American Express associate closed the wrong card. After noticing this, I called their customer service the immediately. And while their customer service is owning up to the issue, and the company is taking blame, no action has been taken to resolve this. I have chat transcripts of what occurred and I want the company to fix their mistake before this severely impacts my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
My bankruptcy information on LexusNexis is inaccurate. I am only able to dispute items over the phone and have not been able to reach anyone to assist. 

The bankruptcy does not show that it has been dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
My pet was denied service at XXXX Animal Hospital and he ended up dying unnecessarily. All my complaints to XXXX went unanswered although XXXX has quite a few complaints and an F rating with the XXXX XXXX XXXX. XXXX hired crooked law firm Pressler and Pressler also known as Pressler, Felt and Warshaw to harass me however I sent Pressler various cease and desist letters via certified mail. Pressler is known for violating the rules since the managing partner XXXX XXXX was supposedly on the NJ Supreme Court for 25 years. Pressler was sued by the Consumer Protection Financial Bureau but continues to take the law into their own hands. Pressler obtained a crooked court officer to issue a levy with a false certification. I only found out about it through my bank after money was stolen from my account. The court had not contacted me about any trial or any other proceedings. Pressler sent documents to my bank with my full social security number when they should have redacted, and they threatened to come to my home and take my belongings as if I were some XXXX. These kinds of lawyers make criminals look like community heroes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: IL

Complaint narrative:
I opened a loan account for a car loan, changed my car within 3 days, and created another loan account for a car loan. I have paidoff my car loan in full, and my experimental credit report shows that the first opened loan account is still in balance. This is bad for my credit score. Please check the information and send the correct information to Experian

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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've been receiving numerous mediation request forms from Wells Fargo, several filled out to date. I received three more today, XX/XX/XXXX, a sixth one filled out and mailed in. Wells Fargo insists on sending these forms after CFPB complaints filed regarding damages from unauthorized accounts opened by Wells Fargo reps. A mediation session was made on XX/XX/XXXX, unfortunately, Wells Fargo rep by the name of XXXX XXXX was not able to resolve issues with settlement amount offered.. The amount offered, {$500.00}, does not cover damages sustained including inability to open accounts with other banks including XXXX  XXXX XXXX, XXXX, XXXX, XXXX, as well as others. I've been declined at these banks due to information reported to consumer agencies such as XXXX XXXX, XXXX, XXXX XXXX XXXX. I requested reimbursement for potential interest could have earned had I been able to open said accounts, I was offered a small amount of {$500.00} which does not cover damages. As I said prior, I have recently mailed in another mediation request form, unless Wells Fargo is willing to offer a reasonable settlement amount, then please advise them to STOP mailing additional mediation forms. Also, the offered amount of {$500.00} was not received and as far as I know, was never sent out. Wells Fargo likes to reply in part by stating, " Numerous attempts at resolution made, exhausted all efforts '' I believe these supposed efforts refer to their mailing of these duplicate mediation forms which again, were not successful in resolution as their offer does not cover damages

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 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and associates is reporting a debt in VIOLATION OF HIPPA LAW. I did not authorize Wakefield and associates to disclose my medical debt to the credit companies, I have not receive anything from Wakefield because I do not have any contractual agreement with Wakefield. They need to remove such debt from all major credit reporting companies ASAP. I will file a case against them for the violation of hippa law.

Company response to consumer: Closed with explanation