vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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 recently reviewed my credit report and I noticed that there are some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I also have no idea who would have access to my credit report. Now because of this, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from 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 2020-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Last year I made a complaint against Synchrony Bank regarding my Lowe 's Card. 2 days after that complaint was resolved they drastically decreased my credit limit citing my credit score,  which was inaccurate, and the fact I didn't have any real estate loans as the reason why. Since then Synchrony has continued to drastically decrease the limits of all the cards I have with them for various unfounded reasons. The latest was my QVC card three days after I made an easy pay purchase. This caused all of my QVC purchases to bounce back. I was denied the increase back to the original limit. All of this is completely a revenge tactic for filing a complaint against them. I have only two charge offs on my account and those are currently from same company and are in dispute because the items were covered by insurance and I owe nothing. There's no other reasons they would lower my limits and none of my other credit cards from other companies have been lowered without my request.

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency 3 letters to validate/verify the debt and each request was ignored but they continue to report to the credit agencies. I also disputed the debt with the credit agencies but the collection agency advised the credit agencies the debt was valid, but without responding my letters and providing any proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I paid a medical debt collection in full to Capital Accounts LLC in the amount of {$170.00}, I was told verbally and I also got a letter from Capital Accounts LLC stating that my balance was now XXXX and paid in full and also that they would be sending the same letter they sent to me to the collection agency to have the collection expunged off of my credit report. XX/XX/XXXX I seen that the company was still reporting that I had a balance so I called them to see what was going on they told me they report on the first of every month and that its the credit bureau thats not updating the account so I called XXXX  and was told the only time they received an update from the company was XX/XX/XXXX It is now XXXX  90 days later and Capital Accounts LLC is still reporting the {$170.00} balance I have reached out to them a few more times and I am still getting the same answer but on my credit report it shows the last time they reported is XX/XX/XXXX and they have also emailed me the same XXXX balance expungement letter 3 times. I just really need guidance on how this situation can be resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: FISERV FINXACT CORE
State: IL

Complaint narrative:
Around XX/XX/XXXX I opened a Merchant account through XXXX XXXX for my small start up business : XXXX XXXX XXXX XXXX XXXX Tax I.D : XXXX Account was opened by First Data , Mechant ID : XXXX Terminal ID : XXXX Account was set up by XXXX XXXX XXXX A credit card reader was sent to me from a company called XXXX. Upon receiving the equipment my parking software vendor XXXX said : XXXX is incompatible with our system and the equipment was returned by XXXX XXXX using the same box and return label that came with. Equipment was never used, not even plugged in. 

Firstdata account was closed and never used either. Not even one transaction was made and I have never transacted through Firstdata in the past either. 

I continue to receive email invoices from XXXX. When calling XXXX it had changed names to XXXX, XXXX XXXX email address and phone number were disconnected. 

I contacted XXXX XXXX and spoke to XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX at Merchant Services who came back to me a couple of days after saying that the issue had been resolved and there was no active account and no moneys owed due to the simple fact that the account was never used and the equipment had been returned. 

Not only I still get email notices saying that XXXX will be debiting my account for my monthly service but now I am receiving emails from XXXX ( one of XXXX XXXX ) saying that my Business Credit report has a new alert. 

Upon login in to XXXX, which I had never done and looking out for my credit report it said that my credit score is low due to payments late more than 90 days. 

I called XXXX today XX/XX/XXXX and got to speak with XXXX XXXX ( XXXX ) who introduced herself as a supervisor for XXXX ( but her email is firstdata ). After a long conversation she transferred me to customer service at XXXX XXXX 

She is well aware of the fact that I never transacted with Firstdata,  XXXX, XXXX, XXXX and she is well aware that I do not owe any money to any of the mentioned parties and she is well aware to the fact that it is XXXX/Firstdata who have to remove the derogatory remarks on my business credit report as I have never had any business with them nor my business has any credit lines with any other institution either.

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 2020-03-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 I was contacted by a person impersonating my pastor requesting {$300.00} in gift cards for the family of a member of our congregation in XXXX  XXXX  ( we actually had a member of our congregation in XXXX on that date ). I requested additional information and was told that Google Play cards would work as a source of funds and that the church would repay me for my expense. 
Since I was working at a client site, I had to travel to a XXXX XXXX  to obtain the gift cards. Once I purchased the cards, I contacted my pastor to get the cards and information to him. I was informed that I was a victim of a scam. 
I contacted the XXXX Police Department and filed a complaint ( case XXXX ) and contacted Google to obtain a refund on the cards - they verified that the cards have never been activated. Google refused to refund my money stating some policy that I had never seen nor agreed to. I contacted the XXXX XXXX   and got the same treatment. 
I am requesting assistance in obtaining a refund as this amounts to simple theft since Google has my money and has not been willing to return my money even though I have the cards and can prove they have never been activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal payment system debited the incorrect bank account, not the preferred bank account, & caused me an overdraft fee. 
Paid with XXXX XXXX, INDIANA ( XXXX  ) Transaction ID XXXX Seller info XXXX XXXX. 
XXXX XXXX XXXX XXXX Invoice ID XXXX Purchase details Upgrade XXXX XXXX 12 Months - # XXXX {$8.00} XXXX XX/XX/2020 I have contacted them many times, through many avenues. 
I have racked up over {$100.00} in bank fees due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NJ

Complaint narrative:
Fraudulent XXXX account on 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 non-monetary relief
Consumer complaint received 2020-03-10 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: IL

Complaint narrative:
XXXX XXXX XXXX made a hard inquiry at Transunion on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through XXXX. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.

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 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to LoanCare LLC LoanCare website is not accepting my information but they don't provide a mechanism for me to make a payment My payment is past due and I don't want my credit to be affected I don't want to lose my home!! I have the money, you guys are just not letting me pay you!!

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 2020-03-10 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:
Experian has made it very difficult to reach a human being as i attempted to reach out to them on XX/XX/20 to discus my dispute with XXXX XXXX the response does not help me as a consumer knowing the information reported on my credit file is inaccurate and continues to lower my score week after week. When calling there contact line of XXXX XXXX XXXX i am redirected online it seems that they are not taking calls.

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 2020-03-10 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: Home Loan Center, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX made a hard inquiry at XXXX  on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through lendigtree.com. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
In XXXX of XXXX, I refinanced my home with XX/XX/XXXX( aka ) XXXX. They had paid my taxes due for XX/XX/XXXX. Homebridge who was my current lender at the time claimed they also sent my property taxes - Homebridge was in the process of merging - since my property taxes were paid at the close of escrow, Homebrige should have issued a refund for the excess of balance. I have been calling Homebridge for the last 11 months. There first claim was they paid my property taxes on XX/XX/XXXX. I sent them proof that my taxes had already been paid. Every time I would call they would say they needed to get back to me. They called me XX/XX/XXXX advising me the the payment that was made on XX/XX/XXXX was for my XX/XX/XXXX taxes due. I advised them, that is not correct and showed them again the payment was taken from my escrow account from Homebridge. The representative on the phone told me there was nothing else she could do- I asked for a supervisor to return my call and she said, I would have a call within 24 hours. I am 2 weeks still waiting for the supervisor to call. The tax payment was in the amount of $ XXXX since I then, XX/XX/XXXX( aka XXXX XXXX ) requested I proved them with a post dated check to refund them the property taxes and the homeowners insurance. I have been attempting to work with Homebridge to no avail - meanwhile, XXXX filed a law suit for the {$5100.00} & now I have a judgement on my credit report since I don't have an additional {$5100.00} laying around to pay back XXXX. As a consumer, I have no rights, no one is listening to me and it's me against these large companies bullying me and this is all the result of Homebridge not issuing a refund check. Now this is affecting my mental & physical state not to mention now my credit. Who and how do I resolve this and do I need to possible seek legal action. I also need Homebridge to issue the refund & also provide a letter to the courts to have this removed my credit report. I am essentially paying through escrow and XXXX 3 times the amount of $ XXXX and no one cares - I NEED HELP

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX i went into a bank of America branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead Bank of America to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.

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 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have this account in my credit report but is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I went my Wells Fargo branch on XXXX XXXX XXXX in XXXX, California to close my checking account. I didn't need a checking account. The Wells Fargo employee I worked with told me that I was an important customer because I have my IRA with Wells Fargo Advisers. She told me that I  could have a free checking account, credit card, and safe deposit box. I agreed to transfer the balance of my checking account to a savings account. What she didn't tell me was that the savings account has a minimum balance {$3500.00}. I never had a balance that large in the savings account. I never checked my savings account statement because I thought the money was secure. In XX/XX/XXXX I looked at the statement and discovered that {$10.00} had been taken out of my account for many months. Since XX/XX/XXXX to be exact. I complained to the branch manager that I had been deceived. He explained that my Wells Fargo Advisers account does not make me an important customer to Wells Fargo Bank.He refunded me six months of fees ( {$60.00} ) and helped me open a savings account with a {$350.00} minimum balance. He told me he is authorized to refund only six months of fees and he would request I be reimburse for the balance of the bogus fees. Wells Fargo still owes me {$130.00}.

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 monetary relief
Consumer complaint received 2020-03-11 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX XXXX   {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 i went into a XXXX XXXX XXXX branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead XXXX XXXX XXXX to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting a inaccurate SS # /Birth name on my credit report My name is XXXX XXXX not XXXX  XXXX unless they have proof that this is my name I need it remove.

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 2020-03-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX FRAUD LETTER XX/XX/XXXX, FRAUD LETTERS. * credit we deposited at the beginning of investigation HAVE BEEN REVERSED. see attatched XX/XX/XXXX statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA REVERSES CREDITS NEVER PROVIDED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX statement. see attatched USAA FRAUD LETTER OF UNAUTHORIZED {$470.00} temporary credits 10 TEN MONTHS AFTER FRAUD XX/XX/XXXX REPORTED XX/XX/XXXX. Kindly Note. THERE ARE NO USAA TEMPORARY USAA CREDITS TO REMAIN PERMANET XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation