vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: KY

Complaint narrative:
I HAVE SUBMITTED MULTIPLE DISPUTE REQUESTS WITH ALL XXXX XXXXREDIT BUREAUS TO REMOVE CERTAIN ITEMS ( BELOW ) OFF MY CREDIT REPORT AS I WAS A VICTIM OF IDENTITY THEFT SINCE XXXX & MULTIPLE ACCOUNTS HAVE BEEN OPEN IN MY NAME AS WELL AS MULTIPLE INQUIRIES INCLUDING AS RECENT AS TODAY. THESE CREDIT BUREAUS KEEP COMING BACK WITH ACCOUNTS VERIFIED WHICH IS NOT TRUE THESE ACCOUNTS DOES NOT BELONG TO ME AND I NEED THEM REMOVED IMMEDIATELY XXXX ACCOUNTS * XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX  XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2012* XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX  XXXX OPENED XX/XX/2013 XXXX XXXXXXXX XXXX XXXX OPENEDXX/XX/2017* XXXX XXXX XXXX XXXXXX/XX/2019 XXXX  XXXX  XXXXXX/XX/2021 XXXX INQUIRIES XXXX XXXX  ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXXXX/XX/2021XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXX/XX/2021XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/ XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/2021XXXXXX/XX/2021XX/XX/XXXXXXXXXX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020XXXX XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020 XXXXXX/XX/2020 XXXX XXXX XXXXXX/XX/2019 XXXX XX/XX/2019

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 2021-11-19 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: FL

Complaint narrative:
While analyzing my credit I noticed a fraudulent account was opened using information of mines that was compromised last year. I've tried contacting transunion directly but after numerous attempts I have not been able to receive any help or services from them directly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
The first call from a company by the name of GLA Collection Agency ( XXXX ) was at XXXX on XX/XX/XXXX. There have been XXXX calls thereafter. The most recent being today ( XX/XX/XXXX ) at XXXX. They claim that I owe a debt ( which I believe was roughly {$600.00} ) to XXXX XXXX, to whom I did owe a small debt to but was paid several months prior to the calls. Based on the fact that they used a legitimate medical facility in reference to this alleged debt that I owe, it leads me to believe that they are hackers.

They never disclose who they are in the calls and it is always an automated system. I only know the business name that they go by because of a phone number search on XXXX. I have never answered in person because I do not want them to think that they have me hooked. The calls are a major nuisance and cause unnecessary worry that personal information has been illegally retrieved. I've seen on the website https : XXXX that they have been attempting to scam individuals since XXXX. Nothing has been done to shut them down though. I sincerely hope that this complaint will prompt an investigation. Perhaps they are legitimate, but if they are, they are not following legal protocol. Several people have asked them to stop calling them and have asked for paper evidence, which they are never supplied. They continue calling despite a request to stop even after proof that they do not owe any debts.

Please investigate this agency. I strongly believe them to be predators claiming to represent a collection agency that is fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
DIVERSIFIED ADJUSTMENTS at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX has been sending me collection notices in the amount of {$830.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never notified me of attempt to collect a debt. This company is saying I owe {$XXXX} and the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
Since XXXX of this year I have been going back and forth with credit acceptance about a XXXX XXXX car that I co-signed for my daughter which can not make the payments due to being incarcerated. The car had been in the pound since XXXX racking up to XXXX and still has not picked up the car but keeps putting all this interest on with the car sitting at the pound I call every day and ask for a suo and they say one will call me back and none had called me yet. They have not went and picked up there car but they call me 3 times a day for a payment. What do I do from here?

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
EQUIFAX IS NOT ALLOWING LENDERS TO VIEW MY CREDIT REPORT AND WE ARE BEING FINANCIALLY EFFECTED BY THIS AS XXXX ARE TRYING TO REFINANCE AND GET QUOTES! XXXX LENDERS STATED THEY CAN ONLY SEE MY XXXX REPORT BUT SOME REASON EQUIFAX IS NOT BEING ABLE TO BE RETRIEVED! 
I WENT INTO EQUIFAX.COM, UNDER MY ACCOUNT AND WHEN I CLICKED ON, '' VIEW CURRENT CREDIT REPORT '' IT DENIED ME GETTING IT AS WELL!! 
STATUS SAYS '' UNAVAILABLE, BLOCKED DUE TO " PROMOTIONAL PURPOSES!!!??? '' WE NEVER GAVE OR REQUESTED EQUIFAX TO PUT ANY BLOCK OR FREEZE!! 
THIS IS ILLEGAL TO WITHHOLD INFORMATION THAT CAN CAUSE FINANCIAL DEVASTATION TO OUR LIVES WHILE MORTGAGE PAYMENT COULD DRASTICALLY DROP IF WE CAN NOT GET REFINANCING IF THEY DO NOT RELEASE AND UNBLOCK IMMEDIATELY AND ALLOW LENDERS TO SEE MY EQUIFAX CREDIT REPORT, I WILL FILE A LAWSUIT AGAINST EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2021. I have Bank of America 's New Spirit Airline Master Card. I am today, Unable to Set Auto-Pay or EBills XX/XX/2021. Their Bill Pay option on phone is NOT working for Automated balance payment. Their webpages are not working since long time. This is surely intentional slowing down or making webpages unresponsive to charge customer late fees and such. Even IVR on phone is set up intentionally that it takes frustration for customer and customer gives up so that BOFA can charge a late fees. Intentional attempt for making this process cumbersome.

Please investigate, as this is direct attack and malicious policy against American Consumers from a Bank.

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 2021-11-19 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: V and H Portfolio
State: TN

Complaint narrative:
Prior to my previous complaint XXXX submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing your companies correspondence as of XX/XX/2021, Im aware that one of the collection accounts [ XXXX ] is still appearing on my credit reports and yet still your companies agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ). So therefore the collection account information doesnt meet the Fair Credit Reporting Act requirements and you failed to comply with my debt validation request. For more further review, Ive attached additional information. Please read carefully and pay close attention this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
After paying US AUTO SALE {$400.00} a month since XX/XX/XXXX. The XXXX XXXX XXXX that was purchased for XXXX equal XXXX, XXXX. I would call the automated system to make the payment. The representative informed that it didn't include the insurance payment. After making a balloon insure payment of {$900.00} I was once again back on track. Asked the company for a pay off on the loan back in XXXX representative said that it was XXXX to pay off the car. I called back again in XXXX asked for a pay off on the same care it was XXXX. I have paid for this car twice and they still came an repossessed the car after I was supposed to be on an deferment. This is the most illegal company I have ever did business with. Please assist the car is still showing as an outstanding balance of XXXX on my credit report after vehicle was sold at auction. Monthly payment on credit report is XXXX which is not the terms agreed a pond and car report for loan listed at XXXX terms also not agreed a pond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
US.BINANCE has locked my funds for more than 30 days without any response via Email or Ticket Ive submitted at all. Ive used their services for XXXX  years now and this is the first time this has happened. I have {$10000.00} stuck in Us.Binance and they will not help me what so ever! My ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
According to XXXX from Bank of America, the company opened a card in my name on XX/XX/2021. I found out about this upon receiving a card in the mail. I did not open this account. 

I spoke with the fraud department and they closed the account. However, I requested that Bank of America not report this account to any credit bureau, as they have not received my permission to open the account ( it was unsolicited ). I asked them to give me an assurance that this account will not be reported to any credit reporting agency, and they refused, stating that they do not know whether the account will be reported or not, and that I would have to follow up with the credit reporting agencies directly. When I pressed to speak with a manager or someone who was able to make changes to the credit reporting for my account, XXXX hung up on me. 

If they have not reported to credit agencies yet, they need to prevent that damage from being done by turning off credit reporting for the account they opened without my permission. I'm logging this complaint in hopes that the bank will turn off credit reporting for the unsolicited 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 2021-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently requested my credit report from the following credit reporting bureaus ( Equifax, XXXX, XXXX ). My first request was made on XX/XX/2021, I didn't receive a response from any of the following bureaus after the 30 Day waiting period. I included all my personal identificaton forms which they can use to be helpful to verify my identity. After the 30 day waiting period, I then requested for my credit report again through certified mail. I sent out the documents for request on XX/XX/2021, as of today XX/XX/2021 I have only received a report from Equifax still waiting on my other two reports from XXXX, & XXXX. I've been monitoring my report through XXXX XXXX & I noticed accounts in collections which I didn't recognize. Which made me very frustrated, so I decided to sent them a letter of validation the same time I sent the Credit Bureaus Report Request. After a 30 day wait period I still didn't hear a word from neither of them. I then decided to send the bureaus a letter of dispute to dispute those errors from my account, since the creditors have failed to validate those accounts after my validation letter within the 30 day window I requested them to comply with. And then I only receive that one letter from Equifax with a full summary of my credit report and verifying those accounts I disputed. Which in all sense frustrates me because I know they didn't do a thorough investigation, since the creditors never responded to my request. And I have all this traced through certified mail, I still have all of my receipts for the record. Can I potentially file a claim against both bureaus and creditor for this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TX

Complaint narrative:
In application page for American Express XXXX XXXX, it says ''Welcome offer not available to applicants who have or have had this Card or the Premier Rewards Gold Card. We may also consider the number of American Express XXXX you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' When I apply for this card, I had never applied for Amex XXXX or PXXXX XXXX XXXX XXXX  before. 
However, today when I called, I was told because I had applied for Amex XXXX, I am not able to receive Amex XXXX welcome bonus. This is totally false promotion. 

Another issue is with my Amex XXXX  When I apply it, I was told I received the offer of XXXX points and XXXX points in Grocery and Gas Station. Amex only gave me XXXX points but not XXXX points in Grocery and Gad Station purchase. I was told today it is because it is just their manager 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Before the pandemic I was working XXXX jobs and lost the park time employment due to lack of hours during covid. This created a financialy hardship for me and I fell behind on my mortgage. XXXX - I applied for a loan modification on XX/XX/21 - On XX/XX/21 XXXX with XXXX XXXX told me my hardship application was complete and it would take XXXX days for a decision - On XX/XX/21 XXXX with XXXX XXXXr stated they are backed up which has caused a delay in the decision for my hardship request - On XX/XX/21 XXXX with XXXX XXXX submitted an escalation for clarity on the delay and how much more time could be expected. She communicated a XXXX business days response time - On XX/XX/21 XXXX with XXXX XXXX stated the escalation was still open and that was the XXXX business day so to call back XXXX  - On XX/XX/21 XXXX stated the escalation was still open and there isn't anything they can do until the escalation is responded to and allow another XXXX weeks- On XX/XX/21 XXXX with XXXX XXXX stated my escrow analysis was completed on XX/XX/21 - On XX/XX/21 XXXX submitted an escalation asking for an update on the review and when a decision would be reached - On XX/XX/21 XXXX with XXXX XXXX stated the underwriting department started to review my application for a flex modification. When I asked what they had been doing from XXXX, she stated they review for all options to try and help me My hardship request has been denied for the following reason : Insufficient Monthly Payment Reduction. We are unable to offer you a modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment. 

When I asked for clarity on how there was nothing that could be done, I was told that I am already at the lowest terms with a XXXX XXXX rate and {$1300.00} mortgage payment. When I asked why my mortgage statement shows XXXX XXXX I can not get a direct answer other than their system shows I have a XXXX XXXX. 

I have included my reason for denial along with multiple mortgage statements that contradict what is being said to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I received a text message from Wells Fargo Fraud department stating there was unusual transactions on my account. I was about to call them when I received a phone call from a XXXX number. I answered the call and a man stated he was with Wells Fargo Fraud Department and was calling about unusual account activity. He verified my identity asking for my last 4 of social, DOB, and card number ( all normal verification questions that were also asked when I filed my claim with Wells Fargo later. This person stated his name was XXXX XXXX and after confirming I did not make a {$120.00} transaction, he stated he was shutting off my debit card and they would be mailing me a new card. While I was verifying my address for the new card to be sent to, I logged into my Wells Fargo app to check my account and noticed there was a {$500.00} and a {$380.00} charge along with numerous attempts ( at least 10 ) for the {$120.00} charge all within minutes while I was on the phone. I immediately turned off my debit card on the app to stop any further charges and hoped Wells Fargo would straighten it out as I had spoken to someone within minutes of it happening. Saturday morning ( 36 hours later ) I noticed my money had not been credit back to my account so I called Wells Fargo Fraud department to check status of my claim. They said I had no made a claim and after some confusion we deduced that the person I was speaking with had not been with Wells Fargo. I made a claim with them immediately. It is now 6 days later and I called to check status and they are telling me it is denied. This money was stolen from my account by someone stating they were with wells fargo and thought they were trying to help protect my account. Charges stolen total {$1000.00}.

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 2021-11-19 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: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX charges twice a week and the dispute team deemed them legitimate. 
Chime banking services They also deactivated my credit card with no permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/2021 submitted complaint with cfpb XX/XX/2021 tsi responded they would put the account in dispute status my complaint NEVER stated i wanted to dispute, my complaint stated to REMOVE THE DISPUTE COMMENTS from what you are reporting. The company 's response was they were putting the account in dispute, this is not what I requested. Please remove " account in dispute '' comments

Company response to consumer: Closed with explanation