vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries 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 2020-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a account with wells fargo played account .I let them know a money wire from XXXX XXXX here in XXXX XXXX ca was going to land to my account with wellsfargo we filled out the papers we needed professionally I have all copies, ,my routing number was given to wells fargo they verified it by calling manager XXXX XXXX at XXXX XXXX XXXX she picked up the phone everything was verified on both ends..the money of the amount of XXXX was wired to wells fargo, so I had respected asked them I wanted to order half of the amount do to buying a mobile home..the next day I came to wells fargo took out a amount of XXXX good they gave me my money next day I came by and wanted another XXXX ..my money they wells fargo acted very disrespectful accused me of wire fraud by manager I asked them to have the manager put it on paper of the accusation they did not want to do that well cops came I stood my ground presented all my paperwork to cops of my dealing with XXXX XXXX after their long 40 mnt meeting cops came back out apologize to me of the mistake wells fargo commited and wish me good luck on getting my funds back well wells fargo freezes my acount for no reason told me XXXX XXXX XXXX took my funds back I went through XXXX but XXXX is good XXXX XXXX went in computers and said to me they never done some like what wells fargo is accusing XXXX XXXX of doing..ther it is wells fargo is once again doing the people of America wrong ... fraud I payed just like any other American for account and they did me wrong treated me like a piece of trash and stole my money ever since I've been to XXXX XXXX for XXXX out been XXXX for 2 years I've feel less than a man to my famaly my kids ..I went to wells fargo again this time I got XXXX XXXX and a fair woman answered and give me a case number and said they will be contacting me but hey who's to say I just dont trust wells fargo so here I am expressing my issue to financial services ...

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 2020-05-27 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

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 2020-05-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank N.A, Best Buy Credit Card accessed my credit report without any consent from me. When I called and attempted to fix teh issue by advising the company that the inquiry was done without any authorization. The company seemed confused and said they had no record of the credit request despite it being on my credit report. When requested that they withdraw the unauthorized request they acted confused and disorganized. This request was fraudulent and done without any authorization and needs to be removed. A large bank should know better than to request credit without authorization and should have a means to correct their mistakes.

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 2020-05-27 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 — Investigation took more than 30 days
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DELMAR FINANCIAL COMPANY
State: FL

Complaint narrative:
Have been in Process for more than 90 days. The Underwriting is piece by piece. The initial Loan Processor got fired after 60 days of Processing. She scheduled my closing 2 times and both times I did not close!! I am a XXXX employee with employment in the same field for more than 8 years. Have XXXX in liquid assets verified. Would not recommend this company to anyone. Unless you want a major headache and a waste of the money for the appraisal!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I payed my total balance of {$4600.00} on XX/XX/XXXX to make my J.P. Morgan and chase credit account payed in full and in good standing. On XX/XX/XXXX I received an e mail from XXXX XXXX who I have my mortgage threw, stating that their was a change in my FICO credit score. Upon checking my score I was shocked to see that it had dropped 25 points. When I called J.P. Morgan and chase they informed me that my credit limit had dropped {$4500.00} dollars from {$5000.00} to {$500.00} dollars and the person I was talking to didnt have the information explaining the change. I was also never informed by the creditor that these changes were made. Since then I closed my account with J.P. Morgan and chase and am filing this complaint. Since that time my credit score has dropped another 47 points. This is completely outrageous and has absolutely ruined my credit, my score is now in the 500s after paying my balance in full. This should be illegal, I have had this account with J.P. Morgan and chase since XXXX and have never given them any reason to absolutely destroy my credit when the whole reason I was paying my balance in full is to get my credit score as high as possible so I could apply for a business card to help my business. I feel as though this practice if it is a common one is criminal and should be punishable by law. If you allow an account holder to have a allowance of {$5000.00} then you should not be able to change their limit and adversely affect their credit utilization when an account holder pays their balance in full, you should not legally be able to make these changes. If I find that what happened here was of fact illegal I will be prepared to take legal action. Especially since this incident took place during a global pandemic, this whole this stinks to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-05-27 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a letter from Synchrony Bank dated XX/XX/2020 stating that my account was being closed because I had a low credit score. At the time I was aware of my credit score which was a XXXX. They stated it was a XXXX which was grossly inaccurate. When I called the company to get clarity no one provided any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, AND THE COLLECTION ACCOUNTS ARE FRAUDULENT. I HAVE SENT ALL REQUIRED ITEMS HAVE BEEN SENT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. EVERY TIME I SPEAK WITH EQUIFAX AGENT, THEY DON'T HAVE INFORMATION TO PROVIDE ON THE COLLECTION ACCOUNTS, I HAVE SENT THEM NOTARIZED IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Original Creditor : GM FINANCIAL XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via GM FINANCIAL. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues GMC FINANCIAL repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because GM FINANCIAL is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to GM FINANCIAL 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by GM FINANCIAL. 

While this issue was going on with the insurance company at the time I also communicated with GM FINANCIAL once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then GM FINANCIAL should be responsible enough to understand and remove this fraudulent debt from my credit report. GM FINANCIAL received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies GM FINANCIAL presumes to fabricate. GM FINANCIAL received a payment. End of debt that is originally not a debt. 

GM FINANCIAL will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
I wrote a certified letter to Equifax that was received on XX/XX/XXXX USPS Tracking Number XXXX to dispute an old item and a collection that does not belong to me and all the inquiries are not authorized by me. There was no feedback from Equifax although the other credit agencies deleted the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I let you know the fraudulent account I found on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I sent a letter to the company Speedy Cash on XX/XX/XXXX to request verification and validation of debt to reach an agreement to pay and as of today they have not responded of called to speak with me on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had set up a business credit card account with Chase Ink in XXXX and had set the account to automatic payment with my bank account. For some reason, the automatic payment was rejected and unfortunately in XXXX, and my pending payments were never made. The total over the three months was ~ {$600.00} plus fines. When I found out about this, I immediately paid my pending dollars and completely cleared the account. Chase had closed my business account calling it delinquent and also closed a personal credit card ( which I was not using much ) issued by Chase. I called the company and the customer service folks were not helpful and were not willing to reinstate my credit card or provide me with any guidance to prevent an impact on my credit history. It was of no avail that there were no letters or emails or calls from Chase to inform me of no payments coming from me. Upon checking my credit card online account, I also find that there was no evidence of Notices issued towards me in the web section. I have very good credit score ( north of XXXX ) and always pay my credit card balance in full. Although I am not impacted financially by the COVID-19 situation, I can not imagine how these credit card companies impact the lives of people who miss on payments. Basically canceling credit card with no notice and having an adverse impact on credit history of their customers. I have been a chase customer for more than 10 years, and this is how they treat me! I would really appreciate if this gross error can be corrected and your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 let you know the fraudulent account I found on 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I let you know the fraudulent account I found on 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 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX {$1000.00} court actions. This bills was not inquired by for my exwife if which we have been separated since and XXXX. I was not informed I just check my credit i contacted them they started bothering me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I sent a letter requesting them to validate the account for requested amount of {$28000.00} and {$520.00}. It's evident that Medical Revenue Services don't have proper documentation to collect this invalid debt. I don't have access to files allegedly signed by me, because I don't recall signing any of the documents that was supposedly signed by me with my physical signature ; as identify theft is at an all-time high. Ive sent a letter to XXXX  as well as I'm in distress with the tactics of this company and how they are destroying my credit worthiness. Feel Free to respond to this complaint with " Hippa Release '' - Medical records and or documentation signed by me. If Medical Revenue Services have the right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being Violated.

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 2020-05-27 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: GA

Complaint narrative:
Below are accounts that do not belong to me nor have I ever authorized any credit pulls with the below creditors. My information has bee taken and used by someone other than me. Please delete the following accounts as they do not belong to me. Thank you Negative accounts to be removed : XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I receive my unemployment benefit payment through usbank ReliaCard. On the XX/XX/2020, the bank withdraws XXXX dollars from the account, and they claim that I withdraw XXXX twice on the XX/XX/2020, so they have to refund one of XXXX dollars. When I called, I told them that I did not withdraw XXXX twice that day, I did only one time because there was not enough fund in the account to do that, and I ask them to show me or send me proof that I did that, but they could not. Every time I call the customer agent, transfer me from department to another to find what happened, and I waited for hours, then call dropped from their side.

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 2020-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried fixing this issue with Capital One on numerous occasions, they are keep telling me they will get back to me but never hear back. There is a credit card which was opened under my name fraudulently I am a victim of identity theft and I have reported to police department " attaching copy of the police report ''. I need Capital One to remove this unauthorized account from records immediately as this dose not belong to me.

Company response to consumer: Closed with explanation