vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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 applied for a XXXX credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: MN

Complaint narrative:
I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to TransUnion, XXXX, and XXXX  and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am currently trying to link my checking account at PNC to my XXXX stock account so I can use as an investment and I received a screenshot that said " PNC has made a change that prevents you from being able to link your accounts '' and suggested that I file a complaint in order to get that fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: VA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group
State: NY

Complaint narrative:
The debt collection company, called Superlative RM, has contacted at least one relative that I have not lived in the same household with since I was a teenager. This relative has nothing to do with this debt and the debt was incurred at least a decade after we ceased living in the same household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was scammed on Zelle. I was trying to rent an apartment off of XXXX. I sent a payment through Zelle to hold the apartment. An agreement was signed stating that if for any reason I wanted my money back before moving in they would return my money. After I had sent money I found another place I liked better, I asked for my money back and didnt get it back. I contacted XXXX XXXX which is who I bank with and Zelle which is where I sent the money from both parties pretty much told me well we cant help you that you were scammed to bad. This is such bad business and Zelle and XXXX XXXX should protect their customers against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: WA

Complaint narrative:
My supervisor revived a letter claiming it was a garnishment but it was from a collection agency called XXXX. I have never heard of this collection agency and this debt isn't even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}

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 2020-06-08 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}

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 2020-06-08 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: MN

Complaint narrative:
I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, Equifax, and XXXX  and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: MN

Complaint narrative:
I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, XXXX, and Experian and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report

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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called about my CHASE Sapphire Preferred credit card previously to using the service for the first time. I asked the representative over the phone on a recorded conversation how to avoid the interest charges for the cash advance. 

The representative said that in order to avoid the interest charges for the cash advance you must pay the full cash advance back plus the minimum balance payment owed. I followed his advice and borrowed XXXX dollars on XX/XX/2020 and paid back XXXX dollars on XX/XX/2020. The additional XXXX dollars being the minimum payment due. 

Since then they have been charging interest on th credit card every month plus additional interest on the cash advance. So far it has been XXXX months of additional cash advance interest charges amounting in XXXX 

I have brought this situation to their attention and I have not been able to get my money refunded. They also told me that in order to get the recorded conversion between myself and the representative who gave me the advice and instructions, I would need a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a capital one credit card and I was denied for the following reason : Based on you application information, we observed activity on a prior Capital One account that is no consistent with our expectation for account usage or the terms of the account agreement. 

I had 4 Capital One account that are paid off ( 2 of them ) and the other restricted accounts have a very low balance and are the process of being paid off by the end of the month. 

I called to asked when I can apply for account or if I am permanently restricted from Capital One. The representative, XXXX, an account manager. couldn't give me any account information or how I can appeal this decision. I am trying to get my life back on track from being laid off and recently unemployed and I'm not getting an answer. 

I have been back and forth via phone and letters with the company I have not information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: IL

Complaint narrative:
I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$470.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD 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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Best Buy Citibank credit card is charging me almost {$100.00} a month in interest fees. I made a payment of {$500.00} in hopes of reducing my debt. Yet Im being charged almost {$1200.00} a year in interest. Im laid of due to the Coronavirus. This is absolutely disgusting.

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX this account is too old it should be removed from credit report XXXX XXXX fraud XXXX XXXX  never late XXXX XXXX credit cards never late XXXX XXXX  never late

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 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
They are trying to collect a debt of {$2800.00} that was put on a chapter XXXX bankruptcy in 2016. Im a widow on XXXX. This was on that bankruptcy, Im being harrassed nonstop.

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 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mutual Management Services LLC
State: NY

Complaint narrative:
I was a resident of XXXX XXXX apartments in XXXX XXXX Florida. My son came down to stay with me temporarily while he established housing. Management asked for me to leave based on people reported living in household. I spoke with them stating he would only be there temporarily. Finally, they sent me noticed that they were cancelling my lease and I would have to leave. I complied leaving them with apartment in better condition than moving in and a security deposit of {$1300.00}. I spoke with collection agency on several occasions and they refused to hear any dispute and I was told collection would continue. In addition, they are increasing the amount of collection as time passes and it continues to show on my credit report after 4 years. I owe nothing. I should be showing a {$1300.00} credit. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.

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 2020-06-08 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 applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.

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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express Serve Card was stolen from me on XX/XX/XXXX. I filed a police report and called Amex Serve to report my card as stolen the same day. I also informed Serve customer service that there was an unauthorized pending ( still processing ) charge of {$79.00} on my account at XXXX XXXX # XXXX by the thieves that was fraudulent and requested that a dispute be initiated so that I can get reimbursed. I checke d my account on XX/XX/XXXX and discovered that the fraudulent transaction had been processed and completed by Serve and the funds had been deducted from my account. I called serve for an explanation and they told me that I had to call a different department ( account protection services ) and file a formal dispute, complete a declaration of fraud form, in order to get reimbursed. I called Serve account Protection Services at XXXX and filed my dispute/fraud claim which was received by Serve on XX/XX/XXXX. It has been over ten days since I filed my dispute and I have not received a credit ( provisional or permanent ) on my account for the unauthorized charge. According to the American Express Serve terms and conditions for resolving disputes which are published on their website, dispute investigations normally get resolved within 10 business days. A dispute investigation may take up to 45 days to complete however, In such cases, a provisional credit is issued to the cardholder 's account within 10 business days of Serve 's receipt of the dispute so that the cardholder can have use of their money during the time it takes serve to complete the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kashia Services
State: WA

Complaint narrative:
My supervisor revived a letter claiming it was a garnishment but it was from a collection agency called XXXX. I have never heard of this collection agency and this debt isn't even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: FL

Complaint narrative:
I contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these 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 2020-06-08 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: FL

Complaint narrative:
I contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief