vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting incorrectly a balance of {$6800.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. XXXX and XXXX are reporting correctly. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My spouse and I are applying for a mortgage. The Mortgage Company can not access or soft pull our Equifax credit reports due to this error message, " APPLICANT FILE BLOCKED AT XXXX '' " XXXX. '' I have contacted Equifax and there is no Block or Freeze on either of our accounts. I have a Fraud Alert/Dispute on my XXXX account, but have been told that that should not affect a credit pull. We are not able to move along in the home purchasing process because of this issue and the sellers are annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delta Management Associates, Inc.
State: NY

Complaint narrative:
Delta Management Associates attempted to collect a debt in XX/XX/XXXX for XXXX University, which I do not owe. They did not inform me I had the right to dispute, did not include ANY of the necessary and lawful warnings. Luckily, I knew my rights under the FDCPA and disputed, pointing out that they had not only failed to disclose my rights to dispute but also included a collection notice on the front, which is disallowed. I disputed and informed them of this, saying they needed to cease collection or I would go after them for the two FDCPA violations. They THEN sent me another collection letter, over 30 days after initial communication, and included the necessary information, attempting to backtrack and make it look like they had done this all along. They need to cease collection, as they failed to inform me within 5 days of initial contact that I had the right to dispute. THey have also never validated it, and they included it was a collection attempt on the envelope, thus violating my rights under the FDCPA numerous times.

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 2019-10-22 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: NC

Complaint narrative:
I have been trying to rectify my credit report due to 3 accounts listed on my credit report that does not belong to me. For almost 8  months of constant communication with Equifax my disputes keep coming back saying it was verified as me. On XX/XX/2019 I mailed in evidence that three accounts held by XXXX in the amounts of {$220.00}, {$130.00} and {$150.00} to Equifax proving that those accounts are under a different name and should not be reporting on my credit report. I am still awaiting a response from my last complaint. However, I received notice from Equifax on XX/XX/XXXX that they have deleted only one account. All three accounts are under the same name yet Equifax only deleted one. I would like to have this further investigated as I am uploading the evidence for the corporate department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax and XXXX are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in XX/XX/2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A joint account was opened at WSFS Bank by my Mother which the money was later taken out of to XXXX balance. WSFS charged low balance fees for several months then closed the account and filed a claim for the amount owed in there fees and charges for a XXXX balance. WSFS Bank only sent notices to my Mother 's XXXX XXXX address, only notifying her of the amount owed. WSFS did not notify me of the amount owed, even though they had my address. 
I found out about the amount from credit reporting agency when they filed a unpaid claim on my credit. This is abuse by WSFS Bank by not notifying me of such, and then putting it on my credit. I have contacted WSFS and even paid the amount, but they refuse to take it off of my credit report. This is put there in error of WSFS, not contacting me first.

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 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC
State: NJ

Complaint narrative:
I had used an insurance I had through the Marketplace ( XXXX XXXX NJ ). I stopped using this coverage ( which XXXX claims is XX/XX/XXXX ). I recieved a phone call from GB Collects in NJ requesting payment ( over 1 year later ) for a non paid premium because I was " covered ''. I am pretty sure insurance premiums are not enforceable debt and I did not use the medical services of this health insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX and Experian are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in 2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-10-22 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: VA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
Accounts are reporting on my credit reports that are incorrect XXXX XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: CO

Complaint narrative:
MULTIPLE request to close out Checking and Investment account. At least 10 requests over the past 2 months. I have asked the Investment account be closed out, loan paid and checking account closed and all they say is they cant while racking up monthly " membership charges '' They do not answer their phone, Instant Messages or XXXX  Complaints. I want the all accounts associated with them closed and any left over money sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I received information in the mail from Convergent Outsourcing Inc in XX/XX/2019, for a XXXX XXXX bill that is not mines, nor have, had XXXX in the past 4 years. This debt is mines. I have also disputed this inaccurate information with the three major credit bureaus. I also sent a Validation to The collection company, no response.

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 2019-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent multiple disputes to both Equifax, XXXX and XXXX in which XXXX and Equifax are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plusfour place a collection on my credit report, affecting my credit, his account does not belong to me, Plusfour is using very aggressive collection tactics calling me. 
this accounts are XXXX and 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 2019-10-22 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: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2019-10-22 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2019-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/19 I filled out an on-line application with Comenity Direct Bank to open a high interest savings account. I entered my name and social security number and sent copies of my license and health insurance cards for ID. I wanted to move {$250000.00} from my joint savings account at XXXX XXXX XXXX XXXX  to this high yield savings account. Due to a problem with the Comenity computer system the account was opened in my husband 's name. I never entered his information or his SS number on the application. I called their customer service number on 4 occasions and have been unable to fix this problem. They told me no funds would be transferred until the situation could be corrected but the funds were taken from my account on XX/XX/19. 
I explained that opening up an account in a name without any corresponding back-up documentation is fraud but they to not seem to care. Unfortunately the account is earning interest and I will receive a tax statement with my husband 's name and my social security number. The company is unable to send me a copy of the original application and said they do not have access to this information. This would prove that the account was opened incorrectly by their institution but they will not provide it to me or my husband.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Earlier this year I suffered a terrible XXXX injury preventing me from keeping up with my finances as usual. Around XXXX, I noticed a tremendous amount of fraudelent charges on my checking account. Unable to sit on hold for hours, I was unable to make it in to a local bank of america branch until XXXX. During this 3 month period, amongst all of my accounts, I was charged in excess of {$3000.00} in miscelanous fees. This would be acceptable, however I did manage to make it into a branch and sit down with a personal banker for over 3 hours while he went over a spreadsheet of fraudelent charges with customer service. I enjoy Bank of America 's services and would like to return, however these fees are out of hand. Please note, the accounts in question were closed however I will include the current open account numbers.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file.

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 2019-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX dated XXXX along with the Settlement Agreement dated XXXX. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: MS

Complaint narrative:
Pendleton Capital Management called my sister, XXXX XXXX, on Friday after repeatedly calling her back to back. After about the firth call, she answered and a lady asked her was she my sister. Out of concern, she said yes. The debt collected said that she was trying to get in touch with me. She never asked for any contact information but started telling her that I owed a debt and that they were a XXXX company. She stated that they were in the process of taking legal civil actions against me and was taking me to court. The debt collector told her that I had put a stop payment on the account and that I need to call her at XXXX XXXX ext. XXXX. When my sister called me about what had been said on Friday, XX/XX/2019, I became very angry about this company divulging my person and financial information. 
On Monday, XX/XX/2019 I, XXXX XXXX, called the number that was given to my sister and spoke to the lady that talked to my sister. ( XXXX or XXXX ) I told her who I was and she stated that the call may be recorded. I told her that the call was being recorded on my end. She said that it was fine. First, I asked her did she divulge personal and private financial information about me to my sister? She denied some but began to become very defensive. She would not let me talk and we got into a heated discussion. I did not say anything inappropriate to her but she started to threaten me. She said that I was in violation of the Disability act, I told her that I was XXXX. She said that she knew that I had two vehicles and named them. She stated that she would tell the finance companies that I was in the habit of writing bad checks and that I stole money. Very little was said about the debt except I owed over a thousand dollars and that I refused to pay. I stated no such. I asked her to send me all the paper work that she had about the debt and she said she could not. She hung up on me and call me back 15 minutes later. She has been calling me since but I will not answer. Everything I have stated is backed up with a recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/19 we filed an unauthorized and fraudulent telephone transfer of {$11000.00} ( posted on XX/XX/XXXX ) from our Chase Savings Account to one of our checking accounts and then immediately therafter 4 unauthorized and fraudulent transfers ( accounts only identified by last 4 digits, which are not ours, but are Chase accounts ) from our Chase checking account totaling {$18000.00} ( {$4600.00}, {$4500.00}, {$4500.00} and {$4300.00} ) these transactions also indicate transfer via misc debit. All correspondence and paperwork was filed at the Chase Branch XXXX XXXX XXXX, XXXX NJ, XXXX. We informed the Branch Manager that we never do telephone transfers, we did not benefit from the transfers and we were in XXXX Texas when these transactions took place. Initially Chase filed this as a Reg. E claim and as a result the provisional credit to us is due today. However we were out the Branch speaking with Branch Manager today XXXX and was informed that Chase will not be providing us the credit today as they have not completed their investigation. I informed that they were not in compliance with Reg. E, in addition, they can not deny my claim of fraud as the 4 transfers were not into an account I benefited from. In addition, I was told that there is no one I can speak directly to Chase to call me. Meanwhile we do not have access to our {$18000.00} that was misapplied by Chase, as well as no one to contact at Chase for further explanation or clarification. I am appalled that I have to " wait '' for my own money and that as a consumer can not get the answers I deserve. The {$18000.00} should be credited immediately.

Company response to consumer: Closed with monetary relief