vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX fraud resulted into a hard inquiry on my Equifax report. I disputed the fraud with XXXX and they have cancelled the account. 

I went to Equifax 's website to submit a dispute for the hard inquiry. When submitting a dispute for the hard inquiry, it does not allow attachment of documents ( skips from Step 1 to Step 3 when you click proceed ). The inquiry is then automatically rejected because no  documents have been attached to the online dispute. No effort is made to contact the original company who made the inquiry or the consumer who submitted the complaint. 

Additionally, when the dispute is rejected, users are provided with a Customer Service Number to contact ( XXXX ). This number is an automated system for ordering credit reports and does not allow the user to reach a customer service representative. 

While documents can be submitted online for disputes, documents for a hard inquiry can not be submitted via methods other than mail or fax. 

I view the combination of these items above as Unfair, Deceptive, and Abusive act towards it's customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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 and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE

Complaint narrative:
XX/XX/2020 - debt collector calls and informs me that are sending me the debt collection information to my previous address. I give them my updated address and not to call me again and that I will mail them with my questions, once I receive the letter. 

XX/XX/2020 - debt collector calls and informs me that sent the information to my previous address. They are impersonating a lawyer and that they will be pursuing legal options. I informed them that I have already provided my new address. Debt collector informed me that they are updating the address on their end and will be sending the information out again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX  is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this 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 2020-01-15 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:
XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and Experian is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this 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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} ), with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away ( Saturday  XX/XX/XXXX ) at ( XXXX ) XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday  XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.

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 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
1. I had a check returned to XXXX XXXX XXXX XXXX, even though I did have overdraft protection, my bank did not cover. 
2. I received a notice from Universal Recovery Corp. which I signed for on XX/XX/XXXX. 
3. Due to upcoming holiday I did not call right away, that day. I DID in fact call on XX/XX/XXXX, ( which I have call record from my cell provider proving I called the company, left message as the person handling my account was not there. 
4. XX/XX/XXXX, I received a call from the Universal Recovery, which I answered and was happy they finally returned my call, I was prepared to set up arrangements to take care of debt. 
5. I was told that I now owe {$640.00}. I asked for a supervisor and got XXXX XXXX. This person told me, I NEVER called on the XXXX date, or she would have called within 24hrs. She harassed me, laughed at me, asked if I made arrangements for the food I ate, and I was being ridiculous if I thought she would ever make arrangements. I was never told what the {$640.00} was for, and I stated I was trying to make arrangements for the total on the letter. 
6. I was contacted before 30 days was up, I was upset that she made fun of me for being in a hardship, even knowing I had recently had a XXXX XXXX. She said she had no sympathy or empathy for someone who wrote a bad check. I asked for a supervisor, she laughed and said she was the majority share holder of the company and I could not speak with anyone else. 
7. I felt harassed, embarrassed, bullied, made fun of, put down because I dont have the money she was wanting. 
8. I spoke with the store that the check was returned to, he stated they are in agreement with the collection agency for a fee of {$25.00}, not {$640.00}, and was unaware that this company was harassing their customers.

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 2020-01-15 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:
inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX   XXXX  {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX   XXXX {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}

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 non-monetary relief
Consumer complaint received 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer USA # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a AAA credit card. AAA Motorist membership placed me in auto renew with my membership card with out my knowledge. I called to dispute the charge. I was asked if the company said they would credit my account. The rep kept asking crazy questions as to what the merchant AAA motorist said. 

AAA motorist charged this card {$160.00} with out my permission. 
I tried to dispute with AAA/ bank of America . 

I down graded my membership with AAA Motorist ( XXXX ) I was to receive a new card in the mail and refund for the difference. Since that never happened I need to dispute the {$160.00} unauthorized charge

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 2020-01-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from Bank of America advising that an account in my name as trustee holding a {$2000.00} certificate of deposit for my daughter was going to be closed within 30 days because it had purportedly been " inactive '' unless I contacted Bank of America within 30 days. When I contacted Bank of America on XX/XX/XXXX ( within 30 days of the date of the letter ) I was advised that the bank had closed the account on XX/XX/XXXX -- just 12 days after the date of the letter -- and that the entire balance had been transferred to the State of New York. 

This account was established for my daughter by my late mother. After she passed away, I contacted Bank of America on XX/XX/XXXX the date referenced in the Bank 's letter as the last date of any qualifying activity to change the account to be titled in my name as custodian, and to change the address from that of my mother to my address. 

Although it appears that the Bank managed to change the account name, it appears to have failed to change the address and continued to use my mothers address rather than MY address. Indeed, the Unclaimed Funds website for the New York State Comptroller correctly identifies this account as being held in my name, but at my late mothers address. 

Presumably, the Bank 's addressing error prevented me from receiving any communications from the Bank subsequent to XX/XX/XXXX, until the Bank 's letter of XXXX XXXX, XXXX, by which time it appears that someone at the Bank discovered its error and was able to reach me at my current address. 

None of this, of course, explains how the Bank could have closed the account and transferred its balance to the State of New York just 12 days after representing that no such actions would be taken until 30  days after its letter of XXXX XXXX. The Bank 's gross misrepresentation of the status of this account and the steps needed to prevent closure and transfer obviously compounded its error in failing to update the address of the account back in XX/XX/XXXX. 

On XX/XX/XXXX, I wrote to the Bank ( via XXXX ) at the address provided in its letter of XX/XX/XXXX and provided all these facts. I asked for a response within 30 days, and have gotten no response at all. NOTHING. Incidentally, the certificate of deposit carried a 3.99 % interest rate thru maturity in XX/XX/XXXX. I wonder if the Bank 's desire to terminate that relatively high interest rate played some role in its precipitious and wrongful closing of this account?

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a call from XXXX XXXX from XXXX XXXX XXXX who said he was calling on behalf of HSBC who I dont even know. He didnt know what the balance or debit was for and couldnt tell except that he needed to get a payment of no less that {$600.00} somewhat dollars on the phone. After explaining to him repeatedly I didnt know what the debit was and I didnt have the money to pay and that I was with XXXX XXXX XXXX he said NO something needs to be done now even after I offered to pay {$100.00} as good faith payment he said we will go forward with further collection attempts and it may be legal and it doesnt matter that I am trying to resolve this debit because it wont stop them from moving forward legally. 

At the end of the phone call a woman that I havent spoken to in over a decade calls me saying that XXXX XXXX XXXX was calling her regarding me and giving out my personal information, my social security number NO LESS etc to a woman I have not been in contact with for over a decade!!! Unbelievable!!! And they attempted to contact my employer!! 

I understand there are people that make debit and choose to ignore it but for us people who try hard to do right but illness, XXXX XXXX, treatments take over WE CAN NOT HELP IT! 

I will not be harassed or be humiliated by these people spreading my personal business around. Inappropriate and ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
Please CFPB please forward the documents to Onemain Financial. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TN

Complaint narrative:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

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 2020-01-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.

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 2020-01-15 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
FORD MOTOR CREDIT HAS ADDED A 30-DAY LATE CHARGE TO MY ACCOUNT. ORIGINALLY, FORD MOTOR CREDIT SWITCH COMPUTER SYSTEMS WHICH CHANGED MY USERNAME AND WOULD NOT ALLOW ME TO LOGIN. I TRIED TO RESOLVE THIS, HOWEVER I HAD NO SUCCESS WITH THEIR AUTOMATED SYSTEM AS THEY SAID MY ACCOUNT COULD NOT BE RECOGNIZED. 

I CALLED IN AND MADE A PAYMENT ON THEIR AUTOMATED SYSTEM. HOWEVER, ONE WEEK  LATER THE MONEY DID NOT CLEAR MY ACCOUNT AND I WAS TOLD THAT THEY NEVER RECEIVED A PAYMENT, DESPITE THE FACT THAT I DID. I HAD TO MAKE THE PAYMENT A SECOND TIME. 

I HAVE NEVER MISSED A CAR PAYMENT AND THEIR ERROR HAS CAUSED A SIGNIFICANT DECREASE IN MY CREDIT SCORE. I REQUEST THIS 30-DAY BE REMOVED IMMEDIATELY AS IT WAS THEIR ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: IL

Complaint narrative:
I first disputed 3 bogus accounts requesting validation and all I received was statements and bill info. I never received any information with my signature or anything proving that these accounts were mine, in which they are not. So I then did further investigation and went through the id theft process and sent the affidavit to the bureaus to block and remove the items and they advised me that they will not remove the items.

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