vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.

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 2019-04-19 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: LA

Complaint narrative:
Experian, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet Experian is reporting I owe this debt to this company, how can a Collection Account/Experian report a past due balance, and a balance owed ( violation ) I have disputed this account with Experian many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, Experian has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, Experian  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- Experian is verifying this debt through previous disputes, and electronically through XXXX this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT 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 2019-04-19 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: U.S. BANCORP
State: OK

Complaint narrative:
Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from XXXX XXXX. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. 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 explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 a hard inquiry appeared on my credit report from XXXX, I didn't initiate this inquiry therfore it is fraudulent. I contacted XXXX and Trans Union and they are requesting a letter of deletion from the company. I contacted XXXX  corporate and they are unable to pull up the inquiry and referred me to consumer finance.gov.

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 2019-04-19 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: SC

Complaint narrative:
I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX DOB XXXX SS 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 2019-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My husband and I were unaware until XXXX that our mortgage company did not remove title and that they did not foreclose on XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Our bankruptcy was completed XXXX of XXXX, we moved out of the house XXXX and moved to Florida. On our bankruptcy our attorney checked retained to give us a year to complete our XXXX XXXX and have our children placed with other families. We contacted XXXX XXXX who was our mortgage lender to let them know to foreclose on the property. We did not hear anything from them until last year when I learned that they didn't re-title until XXXX. I informed Rushmore XXXX that we had a bankruptcy and provided them with the documentation. I have recently learned XX/XX/XXXX that they are reporting the debt on our credit report and refuse to remove. I filed a dispute and they are being uncooperative. 

We need help to remove this debt and also change the date in which we owned the property to XXXX. We were not in the home and it is not our fault that the loan was sold several times and that XXXX XXXX was being sued. We did what we were suppose to do and now they are preventing us from purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: SC

Complaint narrative:
I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this  Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is  XXXX XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I was sent to collections on XX/XX/2018 for an account that was fraudulently opened. I recently learned I am a victim of identity theft. I tried resolving this last year and they refused to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
On XX/XX/2018, I disputed a collection account on my credit report from AD ASTRA RECOVERY SERVICES for the amount of {$310.00}. I was unsure what this was or why it was on my credit. I never received any kind of notification in writing or otherwise from this company. My dispute was me attempting to verify that it is indeed my debt as my right, per the FCRA. They did not provide me with this information yet it is still harming my credit profile. I want this debt either verified as accurate and that I indeed am responsible, or I want it removed from my credit ASAP. I refuse to allow this company to continue reporting to the bureaus if it is unjustly falsified informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I opened an American Express XXXX XXXX through a bonus offer to earn XXXX XXXX points after spending {$4000.00}. I have held many Amex cards in my life, and use them both for personal and business spending. My husband and I own several businesses - including a real estate business, food service business, and a vending machine business. 

I made thousands of dollars of charges on the card and met the spending requirement of {$4000.00} in mid-march. I confirmed this with an agent who informed me the points were in the process of being transferred. Unfortunately during this time I received a refund from a merchant which dropped my spending amount below the threshold required for the bonus. I did not discover I had dropped below the requirement until chatting with an agent later in the month to inquire about why the points hadn't posted yet. They informed me about the refund, and also informed me my account was under review and all charges were being reviewed to make sure I actually met the bonus spend. 

Since then I put significantly more charges on the card and once again confirmed with an agent that I had again met the spend requirement. However, I was now told all of my Amex accounts were under review and they could give me no information about my XXXX bonus. I asked for why my account was being reviewed and they provided no information. I asked if I would be getting the bonus that i had earned on the XXXX   and I received no information. I seem to be being told that my account is under review for abuse, which I don't understand because I achieved the bonus spend requirement fairly. Amex seems to be refusing to provide the bonus that was advertised in the application, and likewise doesn't inform me why. 

I need some help in communicating with Amex to get a clear answer as to what is going on with my account and why they are not providing the bonus on my XXXX card. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
For the last 3 months I have been sending letters to Portfolio Recovery Associates, XXXX to validate a debt that they claim I owe. Since then they have not furnished all the information to me to prove that the debt belongs to me.I sent off a certified letter to them asking them to validate the letter and they sent letters with little to no information with no information. One letter I received 3 different times from them and it only stated that the company was sold. Since then I've reviewed my credit report and noticed that this company is reporting differently on all 3 bureaus and most of the information is lacking correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: DISCOVER BANK
State: OK

Complaint narrative:
Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 and XX/XX/2018 from XXXX XXXX XXXX I did not authorize this inquiry and don't recognize or have any relationship with discover. I Have a security freeze on all my credit report which require anyone to verify with me with me if anyone is attempting to use my Social security before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
Dear Onemain I recently disputed some inncorrect information on my credit report with XXXX and they claim that the infomation was reporting correctly on the credit file and was Verified I'm going to need for You to tell me who you spoke with at XXXX  what Information did they send to you reguarding the dispute. also if you could please send me what you sent back to them also a copy of the credit application with my signature attached. Thank you so much ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from Wells fargo. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. 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 explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo business credit card online in XXXX. Their credit card has 1.5 % cash back in every transaction. I spent XXXX on the credit card I should get XXXX dollars cash back but I didnt get any of it. I called Wellsfargo customer service many times. They said I didnt enrolled it. Its too late. What? 
This is the first time I heard that I should enroll the cash back by myself manually after I got approved on their credit card without any notice or call me let me know. So I called them they just declined it.

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 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Cfpb Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Account Ending in XXXX AND XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Texas, XXXX Account Ending in XXXX XXXX : These two companies are harassing me illegally Dear CFPB I have responded numerous times to these two companies. They are bullying me over a XXXX bill that they illegally put on a fraudulently solicited credit card. They have now responded for about the fifth time that they consider this to be a valid and collectible debt, although they claim they no longer have the documentation to prove it. I have explained the entire ridiculous story to them over and over complete with photos, names, dates of conversations. Yet, they still keep adding a usurious of XXXX late fee, and XXXX of interest. The total bill is now up to about {$400.00}. On the first page of the bill, it says XXXX for purchases. On the second page, it says I am being charged interest on purchases of XXXX. That does not even make sense. They are hounding me on my cell phone, during work and evening hours. Every time I block them, they call me from another unknown number. These bullies need to stop. I have researched them, and discovered within minutes, that these tactics have been reported numerous times. I need help getting these unscrupulous, illegal tactic using bullies off my back. I have XXXX, and they are triggering it. I hope I dont end up taking them to court. 

If they have good reason to believe that I am responsible for this debt, they need to mail me the documents that make them believe that. They need to report to all three credit bureaus that they have made an error, and stop harassing a senior citizen school marm! I HAVE the records, and have PROVEN that they ARE WRONG! 
THIS IS ILLEGAL!!! 

They need to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt.. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I received in the US Mail a credit card from Barclays VISA with XXXX Rewards that I never requested. I never filled out an application or made any purchases that included a request for a credit card. I did not activate the card. I destroyed the card. Since then I have been getting monthly statements from Barclays with {$0.00} balance due. I called Barclays to request that they close the account on XX/XX/XXXX. They refused to close the account. They said I opened the account in XX/XX/XXXX, but I have no record of any such transaction. They said my wife had initiated the account which was in my name, but then refused to accept either her or my request to close the account. I contacted credit reporting agencies, and I do see the Barclays account listed, and I also see a hard inquiry on the XXXX report from XXXX XXXX  on XX/XX/XXXX which is the same date shows as the opening date for the Barclays account. I simply want Barclays to close the account, but they refused to do so and kept asking me for more and more personal information ( such as my email address, birth date and last 4 digits of my social security number ).

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 2019-04-19 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: Telerecovery Corporation
State: LA

Complaint narrative:
XXXX, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet XXXX  is reporting I owe this debt to this company, how can a Collection Account/XXXX report a past due balance, and a balance owed ( violation ) I have disputed this account with XXXX many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, XXXX  has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, XXXX  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- XXXX is verifying this debt through previous disputes, and electronically through XXXX   this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT 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