vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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: GA

Complaint narrative:
I was a victim Of identity theft mainly because of the XXXX  data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately

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 2020-05-08 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: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
i notice a collection on my credit report from HEAD MERCANTILE CO I ON XXXX XXXX that are sharing my content without my consent and violating the Hippa law as well. i am asking for the alleged debt to be validated and cease and desist all collection activity until other wise proven cause I'm having great stress behind this negative information reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I receive an email from TransUnion asking me to click to go to their website, to check my credit. I clicked, and at their website, I clicked to sign in, entering my correct TransUnion username & password, and I told : Invalid Credentials : Please Try Again ''. Also, inside my credit report, TransUnion has had my " Personal Information '' section loaded with a fraud alert containing an outdated outdated phone number from more than13 years ago, and TransUnion refuses to allow me to update that fraud alert. Also, TransUnion has posted a ridiculously fake address, a place where I have never lived, never done business with, and never associated with anyone who's done business there or lived there, being many hundreds of miles away from that geographical area of the USA. I found out about the fake address a year ago, at a job interview. I XXXX that fake address, and it was a mental health hospital in XXXX TN. I have contacted TransUnion repeatedly, by phone, by email, by postal mail. TransUnion refuses to report to me who provided the fake address. Yesterday, it took me more than an hour to login, and TransUnion wouldnt allow me to freeze or unfreeze my credit report, with a screen saying Freeze status is UNKNOWN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WA

Complaint narrative:
I opened an account with the Netspend Corporation on or around XX/XX/XXXX so I could receive the CARES Act payment of {$1200.00}. I am homeless and I use my Mom 's home address and email address. The payment was scheduled and transmitted on XX/XX/XXXX. The Netspend Corporation accepted my deposit in account R/T ( Routing ) Number : XXXX Account Number : XXXX. I made a few purchases and a cash withdrawal. On XX/XX/XXXX the Netspend Corporation locked my account with a balance of {$740.00}. I received an email stating that " There may be a problem with your All-Access account. Please call XXXX before using your card. '' I called the number and copies of my ID and Social Security Card were requested by email or fax, I complied on XX/XX/XXXX via email Reference ID : XXXX. On XX/XX/XXXX I received an email stating that my account was closed. I have called numerous times and have emailed all the requested documentation. This company closed my account at first claiming fraudulent activity, then on XX/XX/XXXX claimed the remaining could not be sent because the IRS is requesting it to hold the funds for its investigation. " at the current moment we can not mail you out a check for the {$740.00} because your funds are currently being reviewed by the IRS. What this means is that we have notified the IRS that your account is closed and they are going to decide if the funds will be sent back to them or issued back to you. Do keep in mind with the events that are going on right now this may take some time for us to receive a response. '' I have included all the emails for your convenience. I now know this company has a history of this type of activity. The IRS has not notified me of an audit and there are no back taxes owed. So the Netspend Corporation is lying about IRS investigation. A complaint was also filed with the FTC. This seems to be a pattern with this company dating back to XXXX. I would appreciate your help in this matter.

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 2020-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IA

Complaint narrative:
I have been receiving calls & voicemails from a debt collection agency, HunterWarfield, XXXX, XXXX, XXXX, since XX/XX/2020, daily, for a debt apparently owed by my daughter, that I have no responsibilities for, e.g. : I have never cosigned a loan for her. I also sent complaint to the Iowa Attorney General a week ago, but at the time I did not know why they were calling me. Earlier this week they left voice mail asking for my daughter. I will not answer their calls or contact them as the research on this company indicates they use bullying, threatening, and scammy techniques.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I called Credit Collection Services a long time ago, at that time I was assured that the company policy is that if you pay an Insurance claim with them, in full they will delete it from my credit report. I was told it was company policy. I sent a letter to them reminding me of their promises that they made in accordance with their company policy. The account is still reporting on my credit. They lied to me to coerce me into paying a debt. Please make them keep their promises and delete this account from my credit immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CT

Complaint narrative:
Hi, I used and applied for a American Express Delta Skymiles card and the advertised offer was bonus points if {$1000.00} US dollars were spent within 3 months. I found out after 4 months of using the card and spending over {$1000.00} that I was not approved for the bonus points and Amex claimed that the decline was sent to me directly after applying, but I never received the message via internet on my approval application. This is fraudulent and false advertising and Amex should be held responsible and penalized for false advertising. They are tricking people into opening a credit card and spending money, when they do not honor their incentives for opening a credit card. 

Thanks for holding this multi-national corporate responsible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called creditor ( Syncb/JC Penneys ) to pay amount past due and they said they can no longer collect any money from me as this account is too old and they have already written it off. I have tried repeatedly to get the creditor to mail a 1099 so that I can submit along with this complaint with no success. This account still shows a balance and a past due balance of {$1100.00} and hits my credit report every month as a charge-off. I disputed this with XXXX, XXXX  and XXXX  with no success. 
Please help, Sincerely, 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 2020-05-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Around the end of XXXX ( XXXX ) I received a call from Citi Card collections. ( Ive been an excellent customer and have NEVER missed a payment ) - so imagine my surprise when they called. 
XX/XX/XXXX Id called Citi and let them know that I was getting divorced and needed my card shut down to ensure that my ex ( or anyone for that matter ) wouldnt be able to pass any charges through and that I also was going to pay the balance off in full which I did on that same days. 

Citi sent me a new card and I never activated it or anything. In effect, I ensured the balance was {$0.00} and never touched the new card theyd sent. 

The collector was able to transfer me to the fraud department where they assured me theyd open an investigation after they asked me about a few charges and I confirmed they were indeed fraudulent. 

Well, several days later ( XX/XX/XXXX or XXXX ) I received another collections call - after a very frustrating call with a fraud representative I asked to be transferred to a supervisor who had a much better grasp of the situation- who again assured me that all charges incurred would be reversed - and AGAIN they closed the second card and issued me a NEW card number. 

Well, today, XX/XX/XXXX, I got another collections call - so again, I got transferred to fraud. Most of the charges she read to me were the original ones that Id disputed. It seems there is one charge from XXXX that came through on the XXXX - so what that wasnt included when I paid the balance on the XXXX - Citi wasnt able to answer. 

Overall, Im frustrated with the lack of resolution from Fraud, and the numerous calls that Ive had to make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623.  Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.

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 2020-05-08 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: GA

Complaint narrative:
I was a victim Of identity theft mainly because of the XXXX  data breach. My information had been compromised and use to open fraudulent accounts Mainly with XXXX XXXX. And then they went to collections selling my information to XXXX XXXX XXXX  THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX beginning with XXXX XXXX XXXX XXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately

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 2020-05-08 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:
I was a victim Of identity theft mainly because of the Equifax data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXXXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing once again about my dispute with Kohls department store. The prior complaints have not been addressed and I continue to receive a generic, self automated response from this company. I have tried to reach out to the company to speak with XXXX XXXX Executive Correspondence Lead Office of the President Kohls Department Stores. She indicated in response to the CFPB that if I had further question I could call her to discuss them. I called Ms. XXXX XX/XX/2020 and left a voice mail message and have yet to receive a return call. They are not attempted to resolve this issue with me. They have responded to the CFPB but refuse to speak with me. They see me a a nuisance and have responded to you only because they are required to do so by law. I would like have this issue resolved and not pushed aside as so frivolous compliant filed in my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: MD

Complaint narrative:
I joined Equifax just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that Equifax is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian should not be reporting the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX XXXX XXXX as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 30 ) days late and is seriously harming my credit score. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, JP Morgan Chase failed to pay the homeowners insurance through XXXX XXXX XXXX XXXX even though there were funds in escrow available. I had informed Chase of this on XX/XX/XXXX when I received a notice. I was assured this would be taken care of and it was not. 
When Hurricane Florence was forecasted to hit the NC coast, I called XXXX XXXX in early XXXX of XXXX to see what I needed to do and was told Chase had yet to pay the premium and the only coverage I had was my wind and hail policy. A few days later Chase, XXXX XXXX and I were on a three-way call to determine what if anything could be done. XXXX XXXX notified Chase that no policy would be reinstated until Florence was no longer a named storm. Chase told me on the phone call that they would not leave me hanging. 
The damages exceeded XXXX and I was paid XXXX through my wind and hail policy. I decided to tear off the roof myself at XXXX XXXX XXXX. Two-thirds of the way of the roof repair in XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I had XXXX in XXXX of XXXX. Prior to the XXXX date, I consulted a mold remediation service in XXXX, NC because I found mold. There is no final estimate of the cost since I will have to move out of the residence while the extent of the damage is determined. 
I called Chase to see what they were going to do to help. I filed some paperwork and was denied any assistance. When I followed up and told Chase I was considering legal action, a week later I was informed our mortgage was sold to XXXX XXXX XXXX in Indiana. 
I want JP Morgan Chase to compensate me for the loss of the insurance coverage, the uncovered repairs, the remaining balance of my medical bills and for the mold damage yet to be determined. They did not live up to the responsibility of keeping the homeowners insurance in force. Their actions of selling the mortgage after I informed them I was seeking legal counsel just illustrates their underhandedness and the level they would go to in order to avoid doing what is legally and ethically right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
i check my credit report on XX/XX/2020 and notice an account from santander consumer usa reporting inaccurate information on my credit and i am requesting validation of this account because i do not recall having this item.

Company response to consumer: Closed with explanation