vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: MO

Complaint narrative:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX  XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]  XXXX 'XXXX  XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency. 

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau. 

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX 's XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency.

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau.

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.

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 2020-08-31 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: NY

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Home Depot credit / Citibank has a very serious systemic issue with their store brand credit cards. When you place an order on their website ( homedepot.com ) for multiple items on their web site, they often break those items into separate charges. For example my total order is {$600.00}. There is a {$200.00} item, a {$300.00} item, and a {$100.00} item. These charges often appear as separate items on the statement. This credit card is automatically supposed to provide 6 months interest free on purchases of {$290.00} or more. However, when they beak the charges up behind the scenes they do not apply the promo pricing to the two that are under {$290.00} even though the only thing I saw as a customer was my {$600.00} total. I did not instruct or know home depot would break those charges up. This has been happening for years and just happened to me again today. They need to fix this else customers have to call. It's not correct. My order number for this scenario is XXXX. They broke it up into three sep charges and did not offer me promo pricing even though the order total was over {$500.00}.

The screen shot i attached show the three transactions even though i only placed one order.

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 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
While living in XXXX, VA I had to pass the XXXX XXXX XXXX, one time. After passing this bridge, I went onto their website for the XXXX XXXX XXXX and paid the toll for the bridge. Shortly after, to verify this I called the XXXX XXXX XXXX phone line to ensure the debt had been paid and posted, they did verify this. 

It is now over a year later and I am getting a harassing letter from an unknown debt collector Linebarger Goggan Blair & Sampson, LLP. I researched this organization only to find terrible reviews of scam artists ripping off dozens of customers. I paid the stupid debt to get them to hopefully leave me alone. I paid {$150.00} for a bridge I crossed OVER A YEAR AGO, without ANY notification or ANY indication that I owed money, FOR A YEAR. 

I know for a fact it does not cost {$150.00} to cross a bridge one time, they waited for this fine to increase by using fee 's for time not paid to increase the value I owed without notifying me of the debt FOR A YEAR and I'm not surprised in the slightest from the reviews. I am not the only person who has encountered this. They are scam artists and should audited, if not for me for all the other American 's who have wrongly been squeezed money out of by these " Attorneys at Law ''. It's despicable especially in light of recent events in the world. If my story isn't enough to convince you then maybe read some of these. 

Some of the stories from this company are far worse than mine ... 

https : XXXX I am not alone with dealing with this shady organization.. please do something about this or they will continue to do this to other Americans. I don't care to get my money back I would only hope nobody else has to deal with this cancerous company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX, I have reached out to Mr. XXXX XXXX XXXX XXXX # XXXX XXXX asked about the refinancing mortgage. I was looking to change my job from XXXX to XXXX. I told Mr.XXXX  that I am looking to change my job and the new job may need me to move to XXXX next year. He said it is not an issue if I do not move before the application is done.

So, I proceed with the application and paid for appraisal and XXXX lawyer fees and application fees that Mr. XXXX introduced me. On XX/XX/XXXX, XXXX XXXX ( NMLS : XXXX ) called me stating that he needs an email stating that I am currently working from home. So, I provided the email from HR confirming that I am currently working from home. 

I followed up on XX/XX/XXXX and XX/XX/XXXX, but did not get any response. So, I reached out to Mr. XXXX XXXX on XX/XX/XXXX. Mr. XXXX called me on XX/XX/XXXX that my application is rejected because they think I will move to XXXX. 
I told Mr. XXXX that all my documents I shows that I am currently working from home and all my documents shows that I work and live in NY. I told Mr. XXXX in a good faith that I may need to move next year which he said fine which should be recorded on the line. 

Mr. XXXX said all calls are not recorded due to COVID and can only refund appraisal but can not pay any XXXX related fees. 

Bank of America agent Mr.XXXX  lied to me that it would be okay. I provided all the documents that they asked, but they still rejected my application.

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 2020-08-31 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:
Transunion is reporting a negative " account '' that I am unaware of and have not been contacted about. I have no knowledge of this. They have allowed other collection agencies to report this same information in the past and don't seem to be learning anything. It's a revolving door with this incompetent company.

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Repeated abusive phone calls by " XXXX  '' with stereotypical white american names like " XXXX '' or " XXXX '' demanding money for a non-exsistent debt of {$580.00}. 
Lately they have been sending mailings demanding money to be sent to " Midland Credit Management , Inc at XXXX. XXXX XXXX XXXX XXXX, Ca XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 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: NY

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: AZ

Complaint narrative:
AA Recovery contacted a relative and left voicemails and spoke in person, revealing specific details about my payment arrangement, the original debt, and pending payments. I made an initial payment on XXXX and had a payment scheduled for XXXX. I rescheduled the second payment to XXXX. On XXXX, AA Recovery attempted to process the payment anyway. After this payment did not go through ( as it was not the amended payment date ) AA Recovery called an unauthorized third party multiple times. Contacting AA Recovery regarding this on XXXX, I was told that the person I made the arrangement with was no longer with the company, and the case was assigned to the person who violated my privacy. The manager took over the case from that phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}

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 2020-08-31 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
sunrise debt collection contacted me by phone at my job about XX/XX/XXXX years ago regarding an unpaid bill, but never was aware of the call they said they sent me a letter about 3 years ago, today they hit my credit report with 40 late payments. their answer was I spoke to them in XXXX when I asked the date they said XX/XX/XXXX which is today the day I called them regarding the situation. they say they have been calling me, however I have not one message from them in years. this is unfair debt collecting. I have 100 percent payment history and no derogatory marks until today. Had I been reminded in the last few years I would have resolved it before it came to this again no calls or messages or letters have been sent to me in years no judgements either.

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 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I purchased on XX/XX/20 and returned on XX/XX/20. They dated my purchase papers for XX/XX/20, I picked up the check from my credit union on XX/XX/20 but ended up using their bank, but seen it was never nowhere for me to date the contract, I didnt really pay attention to. As stated, I returned the car the very next day and realized they ran my credit report XX/XX/20. They didn't have permission to do so for I came with a check. They dated my contract for XX/XX/20, three-das prior to me receiving the vehicle and then pushed the finance through XXXX XXXX on XX/XX/20 XXXX days after the vehicle was returned. 
My credit report reflects that my credit was pulled on XX/XX/20 XXXX now sending me invoices stating I have a payment due and as of today, I still don't have the vehicle in my possession. The car is still at XXXX XXXX in XXXX MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Received Experian Credit Bureau notification XXXX XX/XX/2020 that score increased 5 points from XXXX to XXXX. Received next Experian Credit Bureau notification XXXX XX/XX/2020 that credit card balance fell to XXXX   along with credit utilization. Received very confusing Experian Credit Bureau notification XXXX XX/XX/2020 stating that credit score decreased by 13 points to XXXX. Called several times and been held on hold and transferred 5 different times spanning 2-3 hour window. Can not seem to get answer as to why credit score decreased when balance and credit utilization decresed to XXXX. It seems that the credit score should have remained the same or -- if anything increased. I believe that Experian is in error and should fix the backwards credit score error.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with XXXX, Equifax and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I signed up for XXXX XXXX XXXX services using my Comenity Capital bank BJs credit card and it was only a trial to see if the services would satisfy me, which they didn't. I returned the phone to XXXX XXXX where the service was initiated and after that I continued to receive billing statements from XXXX XXXX XXXX despite my request to cancel service. Subsequently I visited a local XXXX XXXX XXXX office where I spent 3 hours getting the matter resolved and then filed a dispute with the credit card company and was told they would begin an investigation. This was back in XXXX or XXXX and despite my providing evidence that the service was cancelled and all charges should be refunded they have only credited my account with one of the charges, the lower one. I  have repeatedly sent secure messages via their website and all they do is write back asking me to call them which I have done and gotten nowhere. Thus they clearly have not handled the dispute as it should have been handled These are the dates and amounts charged : XX/XX/21 {$22.00} and XXXX {$45.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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