vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA letter enclosed 1099 C form Cancellation of debt XX/XX/13 Masrercard Account XXXX DEBT DISCHARGED please note FOR INFO THIS FORM CALL XXXX This automated message " A 1099 C  form means your debt is no longer owed and any one trying to collect is against the law '' USAA PLEASE LISTEN TO YOUR OWN MESSAGE AND STOP DESTROYING MY CREDIT BY NOT CLOSING THIS ACCOUNT. Please read your documentation of cancelled discharged debt AND PLEASE START TELL THE TRUTH TO CFBP You just responded to this telling CFPB and me you have every right to collect what is not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I logged onto the PennyMac site to make the XXXX mortgage payment on my rental property. Their system showed I had not made my XX/XX/XXXX payment and that two payments were currently due. Thinking that possibly I had neglected to make the payment I made two mortgage payments. After I logged off their system I checked my online statement with XXXX XXXX and found that my XXXX payment had been made on the XXXX. I have called numerous times since and have found it difficult if not impossible to get them to admit that there system is in error and have requested my second payment for XXXX returned to me. I have received several phone calls and two letters from PennyMac asking if I need loan assistance because their system still shows that I missed my payment in XXXX. I would like the second payment amount I made in XXXX returned to me and my account to be correctly credited with XXXX payment.

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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

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 information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to experian and Experian is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and Experian needs to do the same.

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 information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My XXXX XXXX XXXX ( Loan # XXXX ) is not being reported as a XXXX XXXX. It is reporting as an Other Loan and needs to be reported as XXXX XXXX XXXX to the credit bureaus.

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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I notified the credit card company of two fraudulent transactions that were posted on my account on XX/XX/XXXX. One transaction was in the amount of {$180.00} at XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ. The other transaction was in the amount of {$35.00} at XXXX # XXXX, XXXX XXXX XXXX, NJ. Upon notification on my part the charges were immediately credited to my account on XX/XX/XXXX pending investigation. On XX/XX/XXXX, I received a letter from the bank declining my fraud claim for the disputed transactions. Based on their investigation, my card was used for the charges. Not satisfied with their initial findings, I reopened the investigation requesting a further and more in depth investigation. After that I did not received any written notification from the bank or a phone call updating me on the status of the dispute. On XX/XX/XXXX I contacted the fraud department to check on the status of the investigation and I was told that the claim was closed and there was nothing else they could do to help me. Words can not describe how frustrating this whole ordeal has been for me, from dealing with different representatives and departments trying to get this resolved. I feel like I have not been treated fair and the bank failed to do its job of investigating the dispute the right way. I am so disappointed with the way they handled my claim that I will never do business with them. The worst of all is that I have been a loyal customer who always pay on time, and to be treated this way is not right.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both XXXX and Equifax wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX is the only company that I can freeze my credit score online. 

Thank you very much XXXX XXXX XXXX

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Due to Equifax Breach back in XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all XXXX major bureaus - XXXX, equifax and XXXX. In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN and DOB. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX and XXXX. Both companies - XXXXXXXX and XXXX - already took measure and removed these fraudulent accounts from my report.

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: CA

Complaint narrative:
Experian has allowed another medical charge on my credit report, from the same collection agency named XXXX XXXX XXXX that I reported to the CFPB and on my Identity Theft report as reporting fraudulent information on my credit report. The charge on my credit report for {$400.00} is fraudulent and does not belong to me. Also, being that Experian is fully aware of my identity theft ( that I have reported to them over 5 times ) and which I am still working to resolve, they did not make me aware of this charge being placed on my credit report. I found out through trying check my credit report. I would like for Experian to please remove the fraudulent charge of {$400.00} from my credit report. Thank 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 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 — Information belongs to someone else
Company: EQUIFAX, 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 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: EQUIFAX, 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 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: I.C. System, Inc.
State: AZ

Complaint narrative:
I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to XXXX and XXXX is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and XXXX needs to do the same.

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 — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/2019 Wells Fargo responded my complaint regarding never paid promotion bonus {$1100.00}, fraudulent checks {$750.00} as well as other claims caused by XXXX XXXX XXXX county State of XXXX   {$120.00}, {$140.00}, {$45.00}. Never received tax refund due to wrongful termination of my accounts by slander. I have contacted Wells Fargo Resolution Team at XXXX and XXXX by speaking with XXXX twice on XX/XX/2019 and XX/XX/2019. She refused to pay. I also sent three emails to both CFPB and Wells Fargo asking for payment. However I tried my best, but so far Wells Fargo still ignore all claims referenced above. I have no choice but to take action again for debt collection. See attachments.

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 information incorrect
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.

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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I purchased a car from XXXX XXXX In XXXX SC. The lender is Consumer Portfolio Services. The original purchase was for {$28000.00}. I have paid over {$40000.00} and still owe the company {$18000.00}. I did not realize the fine print of the car was {$12.00} per day for late fees. I was told that be a CPS representative 2 years ago. In past years I have been late because my husband was sick and I was the only person working. I can not find anyone to refinance or trade in because the car is worth {$4000.00} and I owe {$18000.00}. I am currently 2 months behind again. My payments are {$530.00} and thats {$1000.00}. The lates fees are {$700.00} so right now I owe over {$1800.00} for 2 months. I have filed a complaint with the XXXX   and they recommended I contact this agency as well. CPS needs to be investigated for these are loan shark practices.

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: CA

Complaint narrative:
The issue on my credit report is that it shows I have 2 accounts open for XXXX  XXXX  XXXX XXXX store and 2 different account numbers which I dont. I only have 1 account. I called XXXX XXXX and they said yes I only have one account yet on my report shows 2, one is current one shows delinquent one of them shows XXXX credit limit another shows XXXX. I last paid {$70.00} for my account in XX/XX/2020. The other acct shows {$40.00} paid XXXX? Not sure why. Also a XXXX  rep set my payment to be paid late monthly and I been getting charged late fees. I specifically asked to set auto pay a week before due date.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC
State: WV

Complaint narrative:
I have attempted to contact XXXX XXXX to dispute the charges that they sent to collections. XXXX XXXX has a single phone number for a very large company. The phone number has never worked. There is no email available. The company, along with my charges, appears to be fraudulent. 

I have also been in contact with FCR Collection Services. I have called twice to ensure that my account remains in disputed status. I sent a letter via certified mail, to dispute this claim on XXXX XX/XX/2020.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHS, Inc.
State: NY

Complaint narrative:
I always have my insurance on me, these debts from the medical room can not be my fault, Ive paid and my insurance has and my credit is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Over the last 9 months, I've received hundreds of calls from this company using several different numbers to try and collect on some kind of debt. However I don't have any unsettled debts. Some of the phone numbers they have called from are : XXXX, XXXX, XXXX, XXXX, XXXX. They have violated multiple rules, calling before XXXX XXXX, calling from multiple numbers many times on the same day. My phone number is on the do-not-call registry. They ask for someone named XXXX, and I've explained I am not that person, nor do I know that person and to remove my number. They have continued calling, despite this. I have never done business with this company, nor have I given them permission to call me. I have informed them that I'm on the do-not-call registry and warned them that they are violating the law in calling me, but they persist.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.

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 information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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: TN

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