vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: AR

Complaint narrative:
I've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # 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 2020-04-07 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-07 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX  XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Credit Services, Inc
State: MI

Complaint narrative:
Universal Credit Services ( UCS ) has reported to XXXX that I am owing {$380.00} in medical bills. 
The bill is in someone else 's name and the person in over XXXX. Secondly, I made a lump sum payment of {$640.00} to Universal Credit Services that possible covered that amount too, Either way, I do not owe that money and it should not be in my credit report. 

I contacted UCS several times and once spoke to a lady name XXXX and emailed her multiple times to take care of this and to date nothing has been done except she keeps telling me they are investigating. 

I believe UCS has 30 days to confirm or remove it from my report. It's been over 30 days since my initial complaint. 

I want it removed from my credit report. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: EQUIFAX, INC.
State: PR

Complaint narrative:
The XXXX XXXX account reported as a charge off is too old to be on my credit report. The 7 years time frame to be deleted from my credit report was up on XX/XX/2020. 

Equifax continue to report this account perhaps XXXX  and XXXX  already deleted this item from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-04-07 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:
XXXX XXXX is showing that I owe {$420.00} on my credit reports I have never had a XXXX XXXX  account. I never ordered anything from XXXX I checked with the post office and nothing was ever delivered to my PO box from XXXX if something was delivered you would have a signature please send a copy of the signature this is not my account please delete from credit reports today

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
my old card was used by a fraudulent person, so I bought this card and it will not recognize my email nor can I get money from my acct, they are saying its locked up now, can not get a person to talk.the date I started on XXXX keep stating it will take 2to 3 days, this is now 6times I have tried to get an anserw,,,,,,, ,please help me with this card its a blue bird American express ... ... thank you.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank offered a promotion where they offered XXXX dollars if you opened a new account for XXXX and maintained the account for a specified period of time. I signed up for the promotion and set up the account. They indicated that the account must be funded within 30 days of opening the account. I sent the paperwork in immediately after opening the account to transfer the money ( XXXX ). They waited the 30 days before making the transfer.I called up and spoke to a representative and they said they would honor the promotion because I had sent in my transfer form in a timely matter. They now say that they will not honor the promotion.

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 2020-04-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-04-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to order my credit reports from XXXX and Equafax and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, XXXX  maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, Compass maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper Home loans only has two options for covid-19 forbearance programs, both of which are setting all of us up to fail. One is a 90 day deferment with a balloon payment on day 91. Two is they decide how to divide up my 90 day amount and deck it onto my monthly payments. I would like to tack the 90 days at the tail end of my 30 year mortgage, but that is not an option with them. They are backed by XXXX XXXX and XXXX XXXX. I told them I lost my job due to covid-19, I was furloughed until XX/XX/XXXX then the company will revisit the situation before we can go back to work. Unemployment is giving me less than half of what I made and I am unable to contact anyone in the office. South Carolina unemployment has either a recording on coming the caller that they must call back at a later time or it is a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

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 2020-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am owed a few thousand dollars from the US Treasury, according to FedLoan, my student loan holder. The whole reason I'm in this mess is because FedLoan recommended I get off of IDR ( Income Driven Repayment ) at the end of 2019 because it would 'save me money ' ; instead, Fedloan raised my monthly rate thousands of dollars. I was able to work with them in XXXX and XXXX of this year to have them correct that, but even after Fedloan acknowledged their mistake and told me they fixed it, they instead continued deducting {$2300.00} from my direct debit account on XX/XX/XXXX and now, after they admitted that was their error and that I should have my money returned, are unwilling to do anything to help me get the money back from the US Treasury. I have been trying to resolve this for months and am at my wit 's end and need my money. I know a few thousand dollars is not a lot of money to some people, but it's a lot of money to my small family. I have sunk days of my life into trying to no avail to resolve this. I don't know what else to do. Please help. At this point, all I want is my money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was travelling in XXXX XXXX XXXX. A girlfriend and I went to XXXX XXXX  XXXX and purchased one personal pepperoni pizza that we shared and two vodka tonics. The total of the purchase came out to XXXX pecos or {$38.00} US dollars. The tip brought the total to XXXX pecos or {$47.00} US dollars ( {$48.00} approximately ). The bartender was told to charge the total in pecos,  however he inadvertently charged the incorrect total of {$880.00} in US dollars to my credit card. I initially disputed this claim with Chase Bank, where I have this Chase Slate credit card. The initially refunded the {$830.00} US dollars to my account. On XX/XX/XXXX I was recharged the credit that I received for {$830.00}. I have disputed this claim with my bank on 3 separate occasions. The initial dispute I did not have the receipt from XXXX XXXX  XXXX, however since than I was able to contact the owner of XXXX XXXX  XXXX XXXX XXXX, who put me in contact with the General Manager XXXX XXXX. XXXX XXXX acknowledged the error in billing and provided me with email correspondence in regards to this error in billing. He also provided me with a copy of the receipt and credit card charge slip with the correct amounts clearly identified. I have provided this information to Chase Bank / Slate Credit Card company and they still refuse to provide me with the refund of {$830.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I sent a payment for a. Product I never received. Cash app said to ask the seller for money back. It was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: LEXISNEXIS
State: TX

Complaint narrative:
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX XXXX XXXX XXXX, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation