vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting the incorrect status of an account. I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I have 3 accounts with XXXX XXXX XXXX that were included in the Bankruptcy the account numbers are XXXX, XXXX and XXXX. Experian is reporting one of these accounts with a recent delinquent payment history even though the account has been closed for over 5 years and was included in the Bankruptcy. Two of the accounts with XXXX XXXX XXXX have the correct payment status of " Debt included in or discharged through Bankruptcy Chapter 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 2020-08-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This complaint is regarding a disputed charge of {$410.00} on a Chase Bank credit card for a purchase that was made on XX/XX/2020 by my spouse and I for tickets to a baseball game that was delayed by the Corona virus and eventually cancelled and not rescheduled. After unsuccessfully negotiating with the ticket source ( XXXX XXXX  XXXX. ) for a refund we contacted Chase Bank in an attempt to resolve the issue. Chase Bank has been unwilling to issue a chargeback for this purchase and refund our money. They have on three different written occasions maintained that the transactions are valid and no billing error has occurred. 

The PDF file included with this complaint provides background information which includes on page 1, the latest response from Chase Bank which we received XX/XX/2020. This reiterates their previous reply ( dated XX/XX/2020 ) which states in part, While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error has occurred. They closed their letter with the following comment : Because we have conducted a thorough additional review of your dispute and can not find a valid billing error, we will not respond to future correspondence from you about it. 

The PDF file also includes on pages 2 & 3 somewhat detailed information provided in our reply to the XX/XX/2020 Chase Bank letter. Page 4, the XX/XX/2020 Chase Bank letter. Page 5 is the XXXX XXXX   order receipt. Page 6 is the order confirmation from XXXX XXXX. Page 7, XXXX XXXX  order update. Page 8, XXXX XXXX article. Page 9, XXXX XXXX update. Page 10, XXXX XXXX Corona virus impact statement. Page 11, XXXX XXXX EMAIL offering us store credit with no option for refund. 

In summary, we paid XXXX XXXX {$410.00} for tickets to a ballgame that was never played or rescheduled, and was eventually cancelled.. Nothing, no tickets, or other services were received from XXXX XXXX. No actual physical tickets, electronic tickets, or any service whatsoever were ever provided to us by XXXX or the original ticket owner/seller. Because the product/services purchased were not received by us or made available for us to use, the transaction simply should not be valid. Chase Bank should issue a chargeback for this purchase and refund our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a Relia USBank Card that was generated by Unemployment Insurance of XXXX which I did not request. 
I contacted them and they told me to file a Fraud complaint I did. XXXX The XXXX Attorney General told me to call the fraud unit with Unemployment Insurance which I did left a message today. 
I have also called Relia Card and been put on hold waiting to talk to someone now. 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 non-monetary relief
Consumer complaint received 2020-08-06 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/XXXX I went to a XXXX store and canceled my internet service plan successfully and verified with the staff that the internet service account is closed on the site with {$0.00} balance. However, later my credit card on the file was charged for the full payment of {$64.00} for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. I disputed the charge with the credit card company, which is Wells Fargo & Company, stating that the full amount charge was incorrect as the internet service account had a balance of {$0.00} at the time of close, and I wasn't given an option of keeping to use the internet service from XX/XX/XXXX. The credit card company, Wells Fargo & Company, resolved the dispute in merchant 's favor, stating that I am responsible for the full charge of {$64.00}, because I did not cancel the reoccurring charge, which is the auto pay feature I set up for the internet service plan, despite of the fact that XXXX informed of account balance of {$0.00}, and the fact that I wasn't able to use the full service for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. On the last phone call, I informed the credit card company, Wells Fargo & Company, that I should not be responsible for services billed but not received, and that XXXX should be responsible for false information, if I still owed money at the time of close, XX/XX/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 monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I started a Short sale with Mr Cooper in XX/XX/2020, I have had emails from bank asking me for additional docs that I have provided consistently. I continually get this from the assigned negotiator. ( Hello, Thanks for the document. We have submitted the given documents for underwriting review. I will keep you updated throughout the process ) now I get a letter in the mail stating that I have been denied because of lack of documents sent in but I WAS TOLD EVERYTHING WAS IN. I called in and the bank doesn't even show that I am trying to do a short sale and the only thing they can do is give me an email for XXXX I have sent 3 emails and the bank customer service said they sent emails with me and they also tell me that I will have a response within 24 hrs. Which is a lie. Now I am told that they have shipped out all short sales to XXXX and they have no phone number to reach anyone. What do I do ... I am so frustrated that this is going to go to Foreclosure because the Bank was irresponsible in doing anything to help me try to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDOFED XXXX XXXXDOFED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NC

Complaint narrative:
XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. 

Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times XXXX XXXX XXXX   system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately

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 2020-08-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.

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 2020-08-06 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:
I am sick of Experian and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on www.experian.com/upload website and call Experian to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to Experian address so that they can remove and block these fraudulent account. 

I do believe that Experian is lying and are not taken my fraudulent claim serious. I have been dealing with Experian regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities. 

Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that Experian is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4. XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}

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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Apothaker & Associates, PC
State: PR

Complaint narrative:
During a routine credit application, I learned that there is an outstanding default judgment from XXXX in NJ in the amount of {$4200.00} filed by Apothaker Scian PC on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX  address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. Apothaker Scian claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by XXXX XXXX XXXX. XXXX XXXX XXXX also claims to have no knowledge of this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB management service say I owe them I don't owe them nothing and they put it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
Goo day, In regards to my credit an error has been created due to XXXX XXXX  credit reporting or FNB bank of Omaha. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from FNB bank an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. XXXX XXXX b lame FNB and FNB blamed XXXX  for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They took my {$80.00} and expect for XXXX mothers to accept and move on with their lives, this is unfair. refund me my {$80.00}. I got denied and it is all a game on how we as XXXX get treated

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 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED XXXXXXXX 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 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 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 BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I'm reaching out because of Bloomingdales/ Citi bank there is a chargeoff listed on my credit reports for {$1100.00} I don't remember this account and I created an identity theft report via the Federal Trade Commission , Citi collections refuse to accept it, I've also requested the original signed contract and all statements since the account was open and was told it would take 6 weeks plus. this is outrageous, I then even offered to settle the account to be done with it, but was told I couldn't do this. seems to be against the law under The FCRA. I have asked for an address to send my documents. and was told I can only fax.

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 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to call Trans Union credit agency ( on hold/no answer ) on XX/XX/XXXX to have 3 credit inquiries removed from my credit. I have had a credit freeze on my credit report since XX/XX/2020. They said they could not be removed.

1. XXXXT otal
Visa Inquiry Date : XX/XX/2020 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2020 3. XXXX XXXX XXXX Inquiry Date : 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 2020-08-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.

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 2020-08-06 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MO

Complaint narrative:
Equifax, XXXX  and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.

Company response to consumer: Closed with explanation