vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CARD Account Number : XXXX This is not mine.

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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, the consumer, mailed American Express a request for debt validation. My legal team has stated, pursuant to 15 USC 1692g, this was not what I requested and American Express failed to properly validate the debt. Attached below is all the responses from American Express through the CFPB, along with the original debt validation request. American Express never expressed who the original creditor is which is I the consumer. I also asked for the original contract and they never provided that either. 

I requested American Express to provide the following to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have sent a fault to dishonor notice to the CEO of American Express attached below and I am hoping we can work this out before I have to go to court and obtain a default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: GA

Complaint narrative:
I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX BANK. 



COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded XXXX it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX  FURNISHES XXXX UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from XXXX credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX  FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting USAAs unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I was never late or any of my payments they reported me to the Credit for being late. The company sent me a letter saying that I was never late and yet this remains on my credit report. I please want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Debt of {$940.00} submitted to Credit Collection Services in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Notified through credit monitoring service that collection was filed against me. After speaking with several representatives, I was told this account was opened on XX/XX/XXXX. I had no knowledge of nor authorized the opening of such account with my name attached. Several attempts to reach the company have been unsuccessful since a policy number is requested to access connection to a live person.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XX/XX/2021, I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees. 

According to https : //www.occ.treas.govXXXX Financial institutions may assess fees for paying ATM or one-time debit card transactions pursuant to an overdraft protection program if the following conditions are met : The institution provides the consumer with a written notice ( or electronic notice, if the consumer agrees ), segregated from all other information, describing the overdraft protection program ; The institution provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the program for ATM and one-time debit card transactions ; The consumer affirmatively consents, or opts in, to the payment of ATM and one-time debit card transactions ; 5 and The institution provides written confirmation ( or electronic confirmation, if the consumer agrees ) of the consumer 's consent and includes a statement informing the consumer of the right to revoke such consent. 

US Bank has not provided with a written or electronic notice describing the overdraft protection program. It did not provide a reasonable opportunity for me to affirmatively consent or opt-in to the program. I have never affirmatively consented to enroll in their program. 

Thus by forcing me to enroll in such overdraft protection program, I believe US Bank have failed to comply with Federal Trade Commission Act ( FTC Act ) standards.

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have accounts on my credit report older than 12 years and I have continually disputed these accounts and asked for the remove but never granted.

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 2021-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Problem with personal statement of dispute
Company: The Thomas Agency, Inc.
State: WV

Complaint narrative:
This Agency has reported multiple after multiple medical bills on my credit report. Ive contacted them with the information of the state health insurance that i had at the time informed them i also was a total permant service connected vet that i had that insurance as well.at the time. They told me they saw that i had insurance at the time and plenty of time before and after these medicql bills were charged. He refused to settle this matter because he said because the insurance could not be billed as of the current date being 2 years he said that now because the hospitals that billed me did not bill my insurances til it was to late to do so IM responsible for all these debts and this company keeps reporting this to credit beareu and thinks its ok and that i need to make payments in full and then maybe they would be removed i need help with these medical charges that were not my fault that they were billed to late to insurance companies that now IM responsible for these they have not bothered trying to do anything to correct these or even leave a statement of why these are still on my credit after 6 years of this i need help with this completley unreasonable company that refuses to take accountability for the mistakes in billing IM trying to buy a house with a VA home loan benefit and yhis company every chance it gets reports another {$110.00} here {$84.00} there and now i can not even deal with this person as they only want payment and they wont help with anything so after years of insurance covered health care ive had IM still repeadtly disputing these bills and getting no help with this and finding completley uncalled for negative comment on each bill reported

Company response to consumer: Untimely response
Consumer complaint received 2021-09-10 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: IA

Complaint narrative:
I have disputed with XXXX  XXXX  XXXX  ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and Experian is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with Experian and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.

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 2021-09-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Name : XXXX XXXX Last 4 SS : XXXX Creditor : American Express Credit Bureau : XXXX On Saturday XX/XX/2021, I called American Express to inquire whether requesting a credit line increase would result in a hard pull on my credit report. I was advised it would not. I then used American Express 's online portal to submit a credit line increase. The system gave me an error, so I called American Express again, and they submitted it on their end. I was advised the system was having an error, and I should try again in a few hours. I was told no request had been submitted, and there would be no negative impact on my account or credit. I tried again that evening and received the same error. 

On Tuesday XX/XX/2021, I received seven emails from American Express ( all with different reference numbers ) informing me that a " We've made a decision regarding your request. '' I contacted American Express, was told that the requests went through, only one had been considered, there was no hard inquiry, and the result of the request would be mailed to me. 

On Thursday XX/XX/2021, I received an email from XXXX XXXX informing me that there had been a hard inquiry on my account on XX/XX/2021. I immediately contacted American Express, who informed me they had no record of a hard inquiry. The next day, XX/XX/2021, I contacted XXXX, who informed I needed to contact American Express to obtain a removal letter. Once I contacted American Express, I was triaged to a team that informed me that their system " had a glitch '' on Saturday XX/XX/2021, that multiple ( 7 ) requests were submitted under my name, only one was ultimately considered, and they had pulled from my XXXX account. This doesn't align with the information provided to me because American Express already informed me on Tuesday XX/XX/2021 that they had reached a decision. Thus, there was no open application on XX/XX/2021. In addition, American Express representatives had guaranteed that there would be no hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I filed a complaint previously on United Wholesale Mortgage for the erroneous filing and collection of property taxes against my mortgage. They have not rectified their error and are continuing to secure escrow reimbursement by doubling my mortgage payment for more than 3 months ongoing. I have uploaded receipts that the taxes were paid by me on XX/XX/2021 to their website in XXXX. They charged my mortgage escrow property taxes for 9 other additional properties I own including one I do not own. A refiled legal description removed the additional 9 parcels however I have not received credit for the property taxes i paid personally nor a refund for the taxes paid out of my escrow account for a home I do not own that I am being billed for by them. There also has not been a credit to my escrow account for the refund that was issued by the county auditor for the taxes they erroneously paid. They are continuing to collect additional monies from me by doubling my mortgage payment to reimburse the escrow shortage issues. I have been charged and paid out over {$14000.00} as a result of their error over the past 4 months of finding this error. They said that the issue has been noted and that I would receive a revised escrow as of XXXX. Current online information shows no change nor credit to my escrow and that my due mortgage amount remains at the inflated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Every 2 weeks there is some type of hold placed on my account I receive the same auto generated response no one has time to address my issue remove any flags that all of sudden been placed on my account.. I hear the same apology and here I am again with the same fraud flag for the exact same charges this is so frustrating!!

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 2021-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Its reporting that I was late for a small balance where the overall balance on loan was paid in full before term.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
JHPDE Finance I , LLC, claims to have sent me information on an account they claim was opened in XXXX but I have no knowledge of the account and was never sent any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
( 1 ) On XX/XX/2021, I had transferred {$3600.00} into my Binance.US account from a Binance.Com account. Binance.Com showed that the transaction was successful on its end but Binance.US showed it as a failed transaction and has refused to credit my account. Binance.Com has indicated that the currency is now with Binance.US. 

I have attached a screenshot from Binance.com that shows that the transaction was successful on their end and also the receipt from Binance.US that says the transaction failed. 

I immediately reported this to the company and all I have gotten all day is bot response. 

( 2 ) I also attempted to withdraw funds in my account about {$2900.00} and I was not allowed to as my withdrawal rights had been suspended. No explanation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent debt validation and cease and desist letters to EXPERIAN credit reporting agency several times about an alleged debt.I demanded that they remove all inaccurate or negative information from my credit file. EXPERIAN had 30 days to return notarized affidavit along with proof of validity of a signed copy of the alleged contract or agreement EXPERIAN doesn't have my permission to furnish any of my information however I am demanding the deletion of negative and adverse information.So far EXPERIAN have not responded and is now in violation. I have a signed form XXXX that was received and returned to sender via ups XX/XX/. XXXX XXXX XXXX XXXX XXXX. As of XXXX XXXX EXPERIAN is still showing negative information. I need all 10 inquiries deleted, all Public Records, all closed accounts to reflexed in the positive and all collection accounts deleted, delinquent accounts to show positive and updated personal information to reflex only on address. EXPERIAN need to ask permission to furnish my info. EXPERIAN 'S reporting has damaged me financially severely. There is a big difference in scoring between 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 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. XXXX XXXX has fraudulent accounts on my credit profile that needs to be remove 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 2021-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. XXXX XXXX has fraudulent accounts on my credit profile that needs to be remove immediately.

Company response to consumer: Closed with explanation