vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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:
FTC XXXX/XXXX  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX Please remove from Inquiries : 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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a notification alert from Experian Credit Reporting agency on Thursday XX/XX/XXXX stating that a " Collection '' account / entry was placed on my credit report. 

According to Experian Credit Reporting, the name of the company that made the entry is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX. Phone Number ( XXXX XXXX XXXX. Amount referenced is {$4100.00}. 

I did not receive a letter or phone call from this company. I don't know who they are. 
They arbitrarily made this entry on my credit report. 

The Alert from Experian seems to suggest that this was done on XXXX XXXX but it didn't show-up until Thursday XXXX XXXX 

Proposed remedy : Immediate deletion of entry from my credit 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 2020-06-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.

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 2020-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I had a debt collection from Ad Astra Recovery ( original creditor XXXX XXXX ) reported on my credit reports 0n XX/XX/2019. I have no recollection of this account and it was a result of identity theft. The amount owed shown is {$1700.00}. This account is not mine and I have talked to all 3 credit bureaus and they request that I fill out an affidavit form stating this was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
I co-signed for my mother for a car with Ford Motor Credit Company. My Mother stopped paying the car and Ford took it and sold it without asking me if I wanted to take over the payments. I wrote many letters to Ford Motor Credit Company about this, I asked them to send me proof of the letter they allegedly send me to take over the payments. They never send me a copy of the letter because they dont have it, instead they send me goodwill emails that I allegedly send them apologizing, why would I apologize? I did nothing wrong, I never had the opportunity to take over the payments. The goodwill emails that I allegedly send to them are false, they were not signed by me. Im very tired of this situation, I hope once and for all you guys send me a copy of the letter that you guys allegedly send me to take over the payments before the car was repossessed or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
American Express has contacted immediate family members about my credit card debt. They have told them I have outstanding debt and what the balance is. As they are not co-signers on the account, this is illegal. I can not believe American Express would resort to illegal business tactics. They called immediate family ( a different phone number than mine, and yes they have my current address and phone number on file ) in XXXX and XXXX of 2020. I reserve the right to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TN

Complaint narrative:
The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( XXXX, XXXX, and XXXX  ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.

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 2020-06-19 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: TN

Complaint narrative:
The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( XXXX, Equifax, and XXXX  ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TN

Complaint narrative:
The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( Experian, XXXX, and Experian ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal has made an error during transaction that was refunded, and when a payment to me was refunded, it was taken out of my balance twice. The funds from the payment were always on hold and never released to me. I tried to refund the buyer and it removed those funds from the pending balance and still tried to withdraw the money from my linked bank account. Then the funds were refunded by PayPal and my balance was reduced by the refund amount. Now my balance is negative {$600.00}. The refund was {$600.00}. I was never given those funds so it is not possible to go negative when refunding them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My Name is XXXX XXXX XXXX. i live in XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXXSome one stole my identity and opened a credit card account with XXXX XXXX while he used my information using different address than my physical address. Accordingly, I received a court not by mail. The XXXX XXXX credit card company referred the case to a collection company. I called the collection agency to dispute the claim while the asked me to file a police report and file a complain using FTC.GOV.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.

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 2020-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/2018, I signed up a 3 year lease with Ally through XXXX XXXX XXXX for me to pay {$340.00} monthly on the XXXX of every month. I paid at least a few days before the deadline through my bank, XXXX. 
I had a car lease with XXXX before this, and that's how i did it with them and never had a problem. 
I have received a text about a past due from an unknown number a few times last month, at first i just ignored it, but this month i was curious so i logged in to my Ally account, and to my surprise, the amount that i should pay monthly has change since the beginning i guess. I was so mad because I've been paying on time and this might have affected my credit score. 
I checked my account and they have increased the amount since i don't know when cuz i can only see the past 12 months transactions. 
For any changes, they know my address, phone number and email, they should have sent a letter to inform me of any changes and reason as a courtesy to a customer or just for being responsible. 

I sent an email to XXXX and Ally but did not get a reply from them.

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a complaint with CFPB on Transunion regarding a hard inquiry from XXXX that should of been deleted from my credit report. Transunion responded back that they are sorry and said they deleted it from my credit report because I was correct. Attached is there response that they deleted it. It has not been deleted from my credit 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 non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America offered a refinance loan of 1.51 to refinance my loan currently I'm paying {$2800.00}. the new would lower my payment to {$420.00}. My debt to ratio is not a problem, my income is not a problem the bank did use my XXXX  tax return. My cash on hand is good the bank took over 2 and a half without looking at all the documents it no way they should have refused this loan. Something is wrong at Bank of America1

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
In XXXX of XXXX I purchased XXXX XXXX on a 18 month no interest plan through Comenity Capital Bank. Through electronic transfer from my checking account to Comenity Bank I paid {$220.00} per month starting on XX/XX/XXXX and ending with a final payment of {$200.00} on XX/XX/XXXX. I received a call from Comenity in XXXX of XXXX that I had missed a payment and that I needed to send a check for {$200.00} to resolve the issue. 
I failed to notice that they continued to take {$200.00} each month for the next nine months. I don't mean this as an excuse, but I had just lost my wife of 57 years and was in the process of selling my house and just failed to catch this. When I discovered what they were doing I put a stop to it through my bank. Comenity continued sending me monthly statements adding fees and charges. 
I finally decided to get them off my back and, through one of their supervisors settled by credit card for {$280.00}. The supervisor told me the reason for all of this was I hadn't made the payments for XXXX and XXXX of XXXX. 
I did some further research and found proof that I had indeed made all of the payments and that they had unjustly charged me a total of {$2100.00} including fees and interest. 
I wrote to them on XX/XX/XXXX, of XXXX explaining this and asking them to return my money. I got a letter saying they were researching it but never got an answer to my request. I wrote again to them in XXXX of XXXX and included the cancelled checks proving that they did in fact receive the payments for XXXX and XXXX. 
They responded that to much time had elapsed and therefore they were denying my claim. 
I am Forwarding all the documentation for your inspection. 
Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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:
FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove from Inquiries : 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 2020-06-19 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:
FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove from Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
This card was issued thru ESD under the Washington paid leave. I received the card in the mail and have spent 8 plus hours total on 3 separate days. I notified customer service and ESD in writing of the challenge in activating the card. Turns out someone entered my birthday wrong so I can't use the online service. I paid for this benefit and was exposed to COVID-19 thru my work. It is unreasonable to expect people to be perfect, it is also unacceptable to force anyone to sit on hold for hours listening to horrible music. I finally got thru and they told me the could not correct the DOB, but verified that I had been attempting to activate since 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 2020-06-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I had a shared Master Card credit card account with Chase. Account # : XXXX XXXX XXXX XXXX. It was begun in XXXX and the last cards we had expired XX/XX/XXXX. 

XXXX XXXX XXXX last 4 SS : XXXX XXXX XXXX XXXX Last 4 SS : XXXX On XX/XX/XXXX Chase wrote off {$12000.00} of bad debt for the jointly owned credit card. The 1099-C was addressed to me. I reported this on our XXXX joint tax return. 

On XX/XX/XXXX Chase wrote off {$14000.00} of bad debt but this time sent the 1099-C to my wife and said it was for a Chase credit card # XXXX XXXX XXXX XXXX. 

I called the support line and talked to a woman in XXXX. She said they took my wife off of the joint card and created a new account for her My wife never had a credit card from Chase with the # XXXX XXXX XXXX XXXX. 

I said I wanted a fraud investigation by Chase but she said only my wife could initiate that. 

Chase needs to advise the IRS that this is wrong and rescind the 1099-C for the XXXX tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: PA

Complaint narrative:
I receive SSXXXX benefits. Comerica Bank deposits my funds into a Direct Express card. My deposits for XXXX and XXXX of 2020 were never deposited into my card. When I went to withdraw my XXXX funds, the ATM rejected my card. When I called Direct Express, they told me that I called to cancel my card. That was false and why would I do that? I ended up waiting for about a month to finally receive a new Direct Express card, but my deposits from XXXX and XXXX were never deposited into my new Direct Express card. When I called Direct Express, they said they have no record of anything and they would have to do an investigation. I completed forms and submitted back to Direct Express, to later get a response that the investigation is closed and I am not receiving my deposits from XXXX and XXXX. They have also refused to reset my password to get into my Direct Express account, so I can see if those deposits were ever made. They told me that I would need to contact Comerica Bank and I have tried to call Comerica Bank and like Direct Express, you never get to speak with anyone! I can not understand how this is legal. My SS benefit deposits that I rely on to live are missing and the only people that know the truth are Direct Express and Comerica Bank. Hundreds of people are going through this. All you need to do is go on the internet and type Direct Express and Comerica Bank and see that there have been fraudulent activities that have been made in regards to people accounts. Senator XXXX XXXX of Massachusetts even conducted an investigation. I am begging that someone help me. It is now XXXX and I still have not received my money! 
Dates that I faxed documentation and letters : XX/XX/2020, XXXX and over 50 phone calls. 
My deposits were for : o Deposit for XX/XX/2020 in the amount of {$1000.00} o Deposit for XX/XX/2020 in the amount of {$1000.00} o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
This is inhumane! I can not believe that institutions can get away with this!

Company response to consumer: Closed with explanation