vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
CFPB Complaint # XXXX Equifax simply closed the complaint without action - stating they will send the information to the furnisher of the information and follow up The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 XXXX two months ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX  ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). 
Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have 2 inquiries on credit report made by capital one on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me several times about an outstanding debt from XXXX XXXX. I informed the debt collectors that I had no outstanding bills for this creditor. After several months a phone tag I was able to find out that the owner of the debt was actually national rent a car. I agreed to make a payment for the amount due. The payment was scheduled for later in the week on XX/XX/13 however the collector chose to proceed with an unauthorized debit to my account the very next day. Such practice is not only in direct violation of the Fair credit consumer reporting act but also an act of petty larceny. First financial asset management was contacted and one confronted about the issue offered a refund which has not arrived in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/2020 Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button

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 2020-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Due to Covid19 thus loss of income I took advantage of the Forbearance Mortgage Assistance Program ( Partial Claim ). I began making normal payments in XX/XX/2020 monthly as agreed upon with Wells Fargo mortgage company. I was not aware or told by Wells Fargo what the precess would be to bring the payment process back to the way it was before the F.M.P.A.P was in place. I pursued the refinancing of my loan to a lower percentage saving over {$200.00} per month but when approval and closing was ready Wells Fargo reported a lean from HUD on the loan and the payments I have been making were on hold and not credited to the account which show the monthly payment as not being made. This plus the lien is causing my refy to be placed on hold with an extention cost to me. Wells Fargo can not tell me when this will be completed, nor what is going to happen to the money I have been paying month to month since requesting in writing I be taken out of the program and return to normal monthly payments. Most of all the indication of a lien is holding my closing from happening. No one I have talked with at Wells Fargo can tell be how this can be resolve 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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2020 I received a summons to appear in court regarding a collection account. The original creditor is XXXX XXXX and the company that purchased the account is Midland Credit Management. XXXX  XXXX  charged off the account. MIdland Credit Management is sueing me for the full balance owed to XXXX XXXX. In the paperwork, there is a bill of sale that shows when Midland purchased the account from XXXX XXXX, however, the amount paid for the account is blacked out as well as the aggregated unpaid balance of the account as of the cutoff date. I called Midland Credit to request the information and was told by 2 different representatives that they could not tell me the amount that was paid by Midland Credit to XXXX XXXX XXXX  for my charged off account. 

My question/complaint is - does Midland Credit have to by law disclose to me the amount they paid for the account? Is it legal for them to blackout that information on the paperwork that they are using to sue me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In regards to the complaint XXXX. The answer from Experian is grossly inadequate and does not apply to my complaint. My new complaint now is that EXPERIAN NO LONGER HAS A WAY TO FILE A DISPUTE AND THEIR PHONE NUMBER IS A USELESS RECORDING. They also flat out lied when they claimed that they never give out information on how to raise one 's score. I'm on their site now and am looking at a promo for a card right now saying it will help boost my score. So they lied right there. These credit reporting companies are nothing more than extortionists for hire.

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 2020-11-10 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: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX cancelled travel plans XXXX XXXX. They have received a refund from service providers for my cancelled trip. Failing to pass the refund along to me, instead apparently retaining the refund for their own benefit. Citibank contacted the merchants bank and was told I was refunded {$2900.00}. The full amount owed to me is $ XXXX have received XXXX dollars refunded, no credits or vouchers.The trip was paid in full XX/XX/2019. Citibank advised a letter was sent to me that I did not repsond to by XXXX XXXX. Therefore, Citibank is no longer able to dispute the charge. This is unfair and deceptive conduct. I received no letter or email. I paid for a service that was not provided/merchant unable to provide a service/services not rendered. I would not continue to be disputing if I received a refund. Citibank needs to stand up for there customer.

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 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
We are working with Amerisave attempting to refinance our house. Currently, they are unresponsive, and refuse to return phone calls. They currently have {$500.00} of our money, and we are unable to get clarification on what documentation they still need. I can provide all of our communications, screenshots, and phone logs if needed. This company is unable to close or refinance a majority of their customers, are are relying on customers to default on their {$500.00} fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have 2 inquiries on credit report made by XXXX  XXXX on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 2 inquiries on credit report made by XXXX  XXXX on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im asking if you guys can reopen my XXXX  or send me my new one my XXXX   money is in their its been more than 3 months thats been closed but still certify my benefits or can I transfer my money to my personal 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 2020-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/2020 my XXXX XXXX was stolen. The car was reported total loss after not being recovered and settlement claim was sent to Infiniti Finance. During the beginning of COVID Infiniti Finance switched to virtual operation leading to excessive hold times, supervisor inability to contact, and lags in all processes. 

XXXX submitted car payment in full request to Infiniti Finance on XX/XX/XXXX. This would close the entire account paid in full. After 1 week of followup we were told to re send the documents in which XXXX re sent documents after XXXX had already received confirmation of receipt. We had the local dealerships file complaints to Infiniti Finance as it took until XX/XX/2020 for someone to sign the form to collect payment. XXXX Finance was unable to deposit the money to formally close the account until XX/XX/2020 leading to a 30 day late fee on my credit report. 

I disputed my inquiry with Infiniti during the month of XXXX with a supervisor to ensure no delinquency was hit on my credit. Infiniti never closed the claim, communicated with me on the claim, and the claim was still opens of the end of XXXX when we received word of the delinquency on my report. 3 weeks ago we filled a second complaint to have the 30 day delinquency removed and it was not approved with request to have us mail proof to their headquarter office. The proof exists in their phone calls- specifically the phone call with the supervisor in the Month of XXXX who apologized for extended time to clearance and put the ticket to ensure no credit hit was made. The company will not provide me phone call records without a lawyer formally subpoena them. 

As a consumer I understood the CoronaVirus impacted their logistics during the beginning of the pandemic. This is the only delinquency I have on my entire credit report leading to a disqualification of my mortgage refinance costing me roughly {$30000.00}. I trusted a company would thoughtfully resolve a total loss understanding all they needed to do to collect payment was have a supervisor sign a check- however that was delayed as they were all virtual. This delay on their part due to corona virus led to my credit being impacted with no remorse, or concern about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OK

Complaint narrative:
Attemped to use the card to purchase items at XXXX XX/XX/2020. It was rejected by the credit processing machine. Later that day I checked with the company and was told the balance available was {$230.00}. Working with the automatic system I was advised that the account was inactive. I tried to contact a customer service rep but was not allowed that opportunity. The system did not allow it. 

On or about XX/XX/XXXX I tried calling the company again and could not get a customer service rep. When I tried the system hung up on me. I sent an e-mail complaint. The system told me it would be 10 days for a response. But as of today XX/XX/2020 I have not received a response. I have tried contacting the company again today and have spent 1 hour and 45 minutes on hold waiting for a customer service representative. 

This money is unemployment benefits I need very badly. The money was placed on a USbank Reliacard Debit card.

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 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I have a collection on my credit report that has been paid but it was sent to a collection company that continues to attempt to collect the debt. I have tried to dispute this with the credit bureaus but have not received any notice from them that they even opened the investigations. Please help me to get the collection removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Charged a membership fee {$95.00} to my XXXX  credit card. It was posted on my account on XXXX XXXX, 2020. I called back on XX/XX/2020 at XXXX to waive the fee or cancel the card. Fee waiver was not granted, but customer representative convinced me to rethink. I called again on XX/XX/XXXX - requesting a Fee Waiver or cancel. Fee Waiver was denied again so I cancelled the card. However Capital One wont cancel the Fee saying its past 40days, Even though : * My original request on XX/XX/XXXX was barely 30 days after the charge was posted. 
* I have not made any delayed payments during the whole period of the card. 
* I have not used the card since the membership fee was charged on XXXX XX/XX/2020 2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I went to XXXX  XXXX  XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. 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 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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
Apply employment with XXXX. Hiring manager called me over the information they got in my background check. While discussing report she accused me of a crime I had NOT committed. So an additional report was made. In the end I was denied employment.

Company response to consumer: Closed with explanation