vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
I wrote various letters to XXXX XXXX over the course of the last year regarding negative remarks posted to my XXXX XXXX and XXXX credit reports. I requested that their office provide me with suitable validation of the alleged debt ( that I was indeed the party who is bound by contractual obligation to pay this debt ). I specifically requested that they send copies of an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. Not only did they not do so, but they claimed that the account belonged to a company called XXXX XXXX. I wrote XXXX XXXX back letting them know that the account is NOT being reported by XXXX XXXX. It is being reported by XXXX XXXX, meaning the following. If XXXX XXXX is admitting that they do not own the account, they do not legally have the right to report anything regarding the account on my credit! I expect that until my reasonable request for validation is met, this account must be deleted from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied and was approved for an American Express Gold Card on XX/XX/XXXX. It was advertised with an offer of XXXX points after spending {$2000.00} within 3 months as well as 20 % back on restaurants within the first 3 months ( see signup.png ). 

My third account statement closed on XX/XX/XXXX and by then I had spent {$2300.00}, which was more than the required amount and within the required time. However, I did not receive the XXXX points or the 20 % back on restaurants. The fourth account statement closed on XX/XX/XXXX and still nothing. I contacted American Express via online chat on XX/XX/XXXX to see what was going on and was told that the welcome bonus was not available on my card due to accounts opened and closed frequently and incentive misuse ( see chat1.png and chat2.png ). 

I opened the account with the intent to use it as my primary card and spent {$7900.00} on it to date. More importantly, I was not told that I would be denied the welcome bonus when I applied for the card, in any of the documentation that came with the card, or in the months while I was spending money on the card to ensure I met the requirements for the welcome bonus. This was ample time for me to be notified of this important information. Instead, it was not until I contacted American Express that I was told of this decision. I trusted that American Express would honor their advertised welcome bonus, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have listed all the complaints in the attached documents. The complaint is about XXXX selling my account to Midland Funding LLC, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I have been writing Simon 's Agency again and again requesting validation of an alleged debt which was being reported on 2 of my credit reports. For months and months, they have responded with incomplete information and have, to this day, been unable to validate the alleged debt. The only information they have given is that he alleged debt originated from " XXXX XXXX XXXX ''. The inaccurate account has since been removed from my XXXX credit report due to their inability to validate the account. However they are still falsely reporting this information on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a college student. My mom & I sat down as I returned from college and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX  XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on XXXX. We contacted XXXX & Wells Fargo bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both Wells Fargo & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see XXXX  is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), Wells Fargo credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & Wells Fargo. XXXX did their job and removed it for Fraud. Wells Fargo has not. How did a large national bank such as Wells Fargo allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.

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 2019-02-16 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: FL

Complaint narrative:
Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.

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 2019-02-16 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 have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}

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 2019-02-16 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: Expedite Financial, Inc
State: CA

Complaint narrative:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}

Company response to consumer: Untimely response
Consumer complaint received 2019-02-16 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:
XXXX XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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:
Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}

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 non-monetary relief
Consumer complaint received 2019-02-16 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: TX

Complaint narrative:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}

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 2019-02-16 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: TX

Complaint narrative:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX   {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX   {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached 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 monetary relief
Consumer complaint received 2019-02-16 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: TX

Complaint narrative:
I have disputed three accounts with Equifax provided them all documentation and they have yet to remove these fraudulent accounts from my credit file. I am listing the three accounts below that I have disputed. 
XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX   {$47000.00} XXXX XXXX XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I have already disputed this debt. It has been removed from my credit report. The first time I disputed this account it was owned by XXXX XXXX. Since it was disputed and ruled in my favor ; they sold it. It was apparently bought by Franklin Collection SV. After I disputed this claim, they immediately made my account past due. I do not believe they should be able to do this for the following reasons.

1 ) If it has been disputed once, it should not be able to be sold to another company and then they report it. What keeps the individual from having to constantly dispute the same item?

2 ) If something is disputed, the company who believes they are owed should not be able to make the account derogatory during the time of dispute.

3 ) I spoke to this company and asked for a validation of debt, which is another reason why they made the account past due.

The impact on the credit score is significant. Even when this is removed I will not receive the points to bring the score back to where it was. I lost 15+ points, when this is removed I might receive 5-7 points back to my score.

Why are debt collectors even allowed??? If the original company does not want to pursue the debt or writes the debt off, another company should not be able to collect.

Most individuals do not have nor have they ever had an agreement with the debt collection agency ; only the original company. I can not collect debts for other individuals, as I am not in the agreement with either individual who may be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I entered a bill pay to send my credit card payment through Chase 's online bill pay. I entered the name of my credit card company, their address, and the amount of almost {$700.00}. I submitted the payment, but it never got to my credit card company. I called Chase and told them that the customer service rep that the payment never was received. They said that it was sent electronically, not by check. I told them that the payment was never received by my credit card company. Chase sent me a confirmation of payment and told me that I needed to contact my credit card company. I contacted my credit card company and they searched for the payment and had no record of that amount in any of their accounts. I called Chase back and asked to cancel the bill pay. The person told me that they couldn't because they got confirmation that it was received. I told them that it wasn't received and I wanted to cancel the transaction or dispute it. The person at Chase told me that I couldn't dispute it and that I had to work with my credit card company to find the payment. I told them that they can't find something that they never got. The Chase rep told me that they couldn't help and couldn't open a dispute for it. After spending several hours on the phone with Chase reps and reps from my credit card, I couldn't get any help. Finally I spoke to someone I know and they looked at the confirmation that Chase sent me. The trace number on the confirmation is supposed to start with the RDFI 's routing number. Looking it up, it doesn't match any bank. Even after speaking to someone at the Fed Reserve, the person confirmed that the trace number is wrong because the first part of it doesn't belong to any bank. After over a month of calling Chase multiple times, I was finally able to get someone to dispute the transaction. I still only have a temporary credit, despite this happening back on XX/XX/2018. There are so many things wrong with this situation. First, there is a Reg XXXX violation for Chase refusing to open a dispute regarding the transaction. Second, Chase is violating the NACHA rules for using an improper trace number. Lastly, there has to be a UDAAP violation for Chase taking customer 's money and not doing anything to get it back when it goes to no one. I have a friend who banks with Chase who recently had similar issues with Chase 's bill pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 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: AMERICAN NEIGHBORHOOD MORTGAGE
State: KY

Complaint narrative:
My home loan still report on my credit report as late in XXXX or XXXX of 2018 my mortgage company not fix

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My credit was used in a fraudulent transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The date was XX/XX/2019 and the application number is XXXX. The car was XXXX XXXX XXXX. I did not make this purchase.

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