vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff or ( 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed 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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I used my Navy Federal Credit Union Visa card to get a Logo design from XXXX XXXX XXXX for {$59.00}. The company never designed the logo and stop responding my emails even after I was told by one of the " Account managers '' the refund was not going to be an issue. Everytime I contact their online support, I'm told I was going to get a call back. Never get one. 

Since XXXX XXXX Stop responding, I filed a dispute with NFCU. After more than a month they denied my request because the merchant said they give me the service. That was not true, I gave NFCU email and text copies of my conversation with XXXX XXXX which showed they are not responding to me. I also requested copy of evidence from the merchant provide but was denied. 

I requested a second review and NFCU will not reopen the case unless I have a written notice from XXXX XXXX that a refund is due. To me this makes no sense. I tried to resolve the issue ( my order was not deliver ) with the merchant and they stop responding. 

NFCU won't help with the disputed even when this disputed qualify for Fair Credit Billing Act and claims and defenses process because I never go my order and the merchant won't work to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for the XXXX XXXX credit card, after receiving a pre-approved offer. 

On the XXXX they pull my transunion credit report. 

I was denied application. 

However on XX/XX/2020, XXXX days later they pull my credit again! 

I now have 2 hard inquiries on my credit report. 

I never authorized to pull my credit the second time. 

Provisions are requested!

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX XXXX {$7600.00}

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 at XXXX, I called Chase Credit Card company to inquire about a credit limit increase for my Chase Amazon Credit Card . I was never informed this would require a hard credit check and would reflect on my credit report. They ran a hard credit inquiry without my authorization. I have requested and received credit limit increases on other credit cards I have prior to this and have never had a new hard inquiry hit my report as a result of a credit limit increase on an already established credit line. I called Chase and spoke to XXXX ( a credit bureau specialist with Chase ) and requested to have the hard inquiry taken off of my credit report as I was unaware that would happen and was not notified of it, therefore it was not authorized by me. He then told me that Chase customer service should have informed me and had failed to do so when I spoke to them. However, he said he could not reverse the hard inquiry because it didnt qualify. I feel as though I was taken advantage of and that Chase knowingly did not inform me of this procedure and blindly took it upon themselves without my personal authorization to run a hard credit check on my behalf. I would like this immediately removed from my credit report and would like Chase to take responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
On XX/XX/XXXX - XXXX, we were in XXXX XXXX, CO babysitting our grandchildren ( ages XXXX & XXXX ), their mother was at a XXXX inservice and there was no school for children. On XX/XX/XXXX miles away, someone made {$200.00} withdrawal at an ATM in XXXX XXXX, CO. We have another charge on the our credit card to show we ate breakfast in XXXX XXXX , and yet another charge at XXXX XXXX XXXX on a debit card at XXXX ( debit card is from our local credit union ), which shows we were in XXXX XXXX. 

We discovered this fraud charge on XX/XX/XXXX and called USAA immediately. USAA FSB VISA made an immediate adjustment and a new credit card was issued to my wife. We thought this was over, however, on XX/XX/XXXX, a rep from USAA Fraud called and left a voicemail to return a call. We thought it had already been taken care of, however, my wife returned the call and left a message. USAA did not return the call until XX/XX/XXXX, which was a voicemail asking for another return call. My wife returned the call on the XXXX, however, the rep did not pick up and she left a second voicemail. 
When my wife was unable to connect with the fraud rep, I checked my USAA credit card online, and the charge of {$200.00} had been reapplied. I called the USAA Fraud rep extension and left a voicemail ; I did not receive a call back. During the week of XXXX XXXX, we received a document asking us to swear to the fact that we did not make the alleged charge ; we signed the document asserting we DID NOT make the charge. Since that time, I have called USAA multiple times without any success. USAA Credit Card Service can not talk to the Fraud Dept, only leave an email?? Nobody has ever called us back or offered to resolve the fraud. On XX/XX/XXXX, I sent a registered letter to the XXXX of USAA detailing the calls and people we have talked to at USAA, no response was received ; I have the USPS Return Receipt to show it was received. 

We never went to XXXX on XX/XX/XXXX, or made a withdrawal on our credit card. We are both XXXX years old and we would never drive three or four hours with our grandchildren in the back of our car to make a cash withdrawal from an ATM XXXX miles away roundtrip.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I went onto the XXXX site to request all 3 of my reports. As it states on the site, we are allowed access every 7 days to the reports from all 3 bureaus. I tied multiple times to access my Transunion report and continually received an error. I was given the Transunion number to call. I called and was put on hold for 20+ minutes before finally getting to someone. The call was disconnected after the first question. I called back again and was on hold for another 20+ minutes. After she verified who I was, I explained to her that I was directed to call her regarding the error. After much discussion, she blamed the website and told me I had to contact them. Then she stated they only provided reports to people who were " subscribers '' and paid for the reports. I explained again that they are required by law to provide a copy of the report when it is requested due to adverse action, etc. but she would not help. I referenced and read directly to her my rights under the FCRA. She was extremely rude and still refused and continued to try to talk over me so I requested a supervisor. A Supervisor named XXXX got on the phone and told me that their computer showed I had accessed my report successfully today ( which is not true ) and that they could not do anything unless I paid for the report. I again went through the FCRA and let him know I was directed to him from the website and that they were required to provide a copy of the report due to adverse action. He again refused and I let him know that I either needed to get the report or I would file a complaint. He refused so I hung up and am filing. I still have no copy of my Transunion 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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
XXXX XXXX ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor LendingTree indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by LendingTree ) including XXXX last few weeks, but nobody, except XXXX, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mediation Recovery Center
State: LA

Complaint narrative:
This debt collection company Medication Recovery Center or MRCI has placed a collection account on my credit report. They have refused to acknowledge or respond to my letters requesting them to validate debt that they say I owe. Also, this company is not licensed to collect debt in the State of Louisiana where I live. I have requested validation from this company this on XX/XX/2020 after they sent me a debt settlement offer on XX/XX/2020 and again on XX/XX/2020 with no response. 

This company has no legal grounds to be collecting on this debt. After speaking with the original creditor they stated Mediation Recovery services is not the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I received a letter from United Wholesale Mortgage dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with UWM was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, UWM reported the account as delinquent/late 30 days or more to XXXX and XXXX on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
Synergetic Communication, Inc. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. 

The balance is {$8700.00}. This letter was sent on XX/XX/2020. 

This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called XXXX XXXX XXXX XXXX XXXX. 

The new debt collector Synergetic Communication is attempting to collect an invalid debt that has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/2020 I tried to access my American Express serve account online and it told me I didnt not have access to the online account. I then received an email stating that my account has been permanently suspended and to send a letter for further inquiry. I tried talking to costumer service and they were unable to give me any information. They also told me to send a letter. I wrote a letter, and I also emailed the company inquiring about the closure of my account. I wasnt given any notice and all of my funds are in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT BANK OF AMERICA ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS 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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including XXXX XXXX # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.

Company response to consumer: Closed with explanation