vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX aka XXXX has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. XXXX admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked Equifax to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. Equifax also needs to be in trouble for not investigating what XXXX are doing here. XXXX reports false info on your credit file BEWARE!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email stating that 'I ' had transferred money - {$1700.00} -from my account to XXXX XXXX ' . The next emails were about changes made to my account. 

I did NOT authorize or make the payment to XXXX XXXX - nor did I authorize or make the changes to my account. I caught these transactions less than 4 hours from when they occurred and immediately contacted Bluebird by American Express. My card has always been with me. 

The agent asked many many questions and said they would open a case. It was supposed to take 1-2 days before someone called for more information. No one called. I called every day after that time period. I was continually asked if I knew this person. Obviously American Express thought I did this. 

I have been told they can not guarantee I will get my money back. That they are investigating. They must be aware of this continually occurring as there are many reports online of this exact same fraud. 

It has been a week with no resolution. Surely they can trace the IP address used to make the fraudulent transaction and also see that it was not me who made it. I have never paid an individual. I have only used the card to pay American Express bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 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: ZARVAD III S.A.
State: MI

Complaint narrative:
I received a voicemail from a XXXX XXXX. She left no identifying company that she worked for, but said that she would need me to be available on Thursday at my residence with a valid ID to " sign for certified documentation. '' She gave me a claim number, and a phone number to call the " mediation office. '' The voicemail was threatening in nature, and said that she would be at my home on Thursday with legal papers unless I called the mediation office and they gave her a " stop order. '' I immediately phoned the number that she gave me to the mediation center, and got the voicemail of someone named XXXX. There was no last name, and no identifying what company or entity he works for. I left him a message that they are no longer to contact me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The late remarks are all over the place making this inconsistent.

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 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
In XX/XX/2019, I called XXXX XXXX XXXX to cancel my TV, Phone and Internet services. XXXX XXXX XXXX failed to document my request during the phone call and only requested to port the phone number, instead of fully canceling the account. XXXX XXXX XXXX continued to bill the account for full months services in XX/XX/XXXX and XX/XX/2019. After numerous phone calls, XXXX XXXX XXXX removed charges associated with XX/XX/2019 but refuse to remove the charges from XX/XX/2019. 

I spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX. On each phone call, I was assured that the charges were going to be reversed for the months billed after my request for cancellation. 

On XX/XX/XXXX I received a letter from a collection bureau dated XX/XX/2019, demanding payment of {$300.00}. 
I do not feel obligated to pay this amount and demand that XXXX XXXX XXXX reverse all charges to this account that occurred after XX/XX/2019 and recall this collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
According to last report I was out I state and didnt use my credit card. And I dispute my card and in credit report and its delete but it didnt dispute in company yet. I want to dispute this account immediately and its fraud. I cant get any credit card because this report decries my account and score

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-29 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: LA

Complaint narrative:
On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. Transunion removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the XXXX data breach. All of these things have been verified over and over. I am literally losing my patience.

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 2019-10-29 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-29 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Last week, XX/XX/XXXX I called up ROcket Mortage to get a quote for a mortgage. ( XXXX XXXX was the representarive doing my application over the phone ). I was quickly steered/preassured to a 30 year fixed FHA loan without given any choices despite me repeatedley telling the agent that our intention was pay off the mortgage within 5 years. After questioning the agent as to why he wouldn'tgive us any other options after I had submitted/uploaded my online documents online 3 hours later after I was pre-approved for the FHA loan he claimed that I told him that we wanted a low intetrest rate ( not true ), I only mentioned a Fixed Rate loan that we intended to pay off within 5 years. I explained to him that I was XXXX ( receiving Social Security benefits and my husband was XXXX so we wanted to be out of debt as quickly as possible ) After I was preapproved, I was still receiving notices that I need to submit more financial info. ( even though I had already uploaded everything ). He also rushed to ask me if I needed a realtor that they could provide but would not explain to me the details/obligations going with their realtor besides telling me that I would get 1 point off my loan which made no sense, he did not give me any further explanation of what that meant. Afterwards I've been getting daily emails by the realtor coordinator asking me if someone contacted me. Last night my husband and I decided we did not feel comfortable take out a mortgage to purchase a home with rocket mortgage and decided to save more money so we can buy a property outright later in time. I went online to try and delete all my financial and XXXX info but that is not possible. I contacted a person through their chat and they told me that they can not delete my financial info that I had uploaded. After I explained to her that we no longer wanted to take out a loan, she said that everything will drop off after 90 days and sent me a privacy/security link. This privacy link did not mention that all my sensitive info would be deleted after 90 days. I asked the agent who has acess to my finacial info and she told me that her internet and audit team does. I do not feel comfortable with my all my financial information being online and I do not understand why I can not delete it. I am concerned that my information will be stolen or hacked. What are my right to have all my financial information deleted immediately? I will add that on my online account I did click on a link to cancel my mortage application. But when I click on my documents. All my 20 plus pages of tax, investment and banking account information with all the account number are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
There is incorrect information reporting on my credit 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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A balance transfer in the amount of {$1000.00} was supposed to post to the account from XXXX XXXX XXXX XXXX to this account. The balance transfer never posted and XXXX XXXX advised the payment was sent electronically in XXXX and that citi bank needs to verify the payment.

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 2019-10-29 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: CITIBANK, N.A.
State: UT

Complaint narrative:
On Tuesday XX/XX/XXXX I got onto my Citibank mobile app and there was XXXX fraudulent charges on my account. 3 for the company XXXX XXXX, totaling in {$360.00}, one charge for XXXX totaling in {$150.00}, I disputed the charges in app, card was cancelled and i was sent a new card. Contacted them via Chat and was told it will take 7-10 business days for the charges to be removed from my account. Then on XX/XX/XXXX i get onto my account, there is now another fraudulent pending charge on my account once again for XXXX in the amount of {$54.00}. I call them they tell me that they are trying to charge the old account and I told them i did not make that charge and they said they will make sure it doesn't go through, today XX/XX/XXXX that charge posted to my account, and there is a second pending charge for XXXX for XXXX, I call them again and they state there is nothing they can do about the pending charge but that they would file the dispute for the first XXXX charge, I then contacted them again over the phone and spoke to a manager and they stated that the XXXX XXXX charges were never disputed and that they will start the dispute. I then call them again and they advised me it will take over 2 months for the XXXX XXXX charges to be removed from my account. It is going to damage my credit score and they are not doing anything to help me.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: NH

Complaint narrative:
My report states XXXX  for 2 years.i am not on XXXX. My 12 months were suspended. Good behavior for two years, which is not XXXX. I am not prohibited from leaving the state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
Its been 8 months since i filled this complaint Below and Transunion did not responed or fix problem the problem.

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXXxx XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc XXXX XXXX XXXX 4.XXXX Acc # XXXX XXXX 5.  XXXX XXXX XXXX Acc # XXXXxx XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX 7.XXXX XXXX Acc # XXXX 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 explanation
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
There is incorrect information reporting on my credit 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 2019-10-29 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: NY

Complaint narrative:
There is incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: MI

Complaint narrative:
It came to my attention during the repayment to mypaydayloan.com, that the loan that they had given to me was illegal in my state of residence. Having already more than paid off the principle balance of the loan, and struggling with their illegal interest rates, I sent them a registered letter revoking their ACH authorization. I also demanded that they cease and desist any and all attempts at collections to this account. This was in XX/XX/2019. They have now contracted a 3rd party debt collector, however, XXXX XXXX. XXXX XXXX calls and makes threats about showing up at my house with legal papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank has been harassing friends and family for the last month regarding a credit card account with Victoria 's Secret that has not been paid on since XX/XX/2013. My mother has been called from multiple numbers and also unknown numbers through Comenity even after she asked for them to stop contacting her since it was not my number. Comenity told her they would not stop calling unless I called and requested them to stop. They also have told her my information regarding this account that I did not give them permission to discuss with her. I did call to request to stop calling her and all other numbers but my own and within a week they had called my mother 3 more times. I'm aware I have a debt and needs to be paid. But they have also threatened to sue because I would not/could not pay them when I called about them harassing my family. They have called my father multiple times, and even my mother 's ex-boyfriend whom I have not associated with in almost 15 years. When I requested a letter with my last statement and payment date they refused saying they could only send a letter with a balance I owed, but no breakdown of principal and interest and could not put in a letter when my last payment date was as my account was closed and in archives. I sent a letter to the address they provided me with to obtain this information and have stated they did not receive this and still will not send me a statement. I am still receiving calls myself but will ultimately mail a cease and desist letter if they can not give me this information. Unfortunately even after mailing that I do not think they will stop contacting me.

Company response to consumer: Closed with explanation