vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I used my Chase debit card to book a hotel room through XXXX. The hotel double charged me, so I disputed the claim with Chase Bank the very next day. Over a month later and after several phone calls, both charges posted to my account. My claim was denied even though I can prove without a doubt that the original payment went through. I saved my receipts. 

Today was the last straw when I called the Chase Bank customer service line, only to be hung up on when I tried to further dispute the second charge. The second charge caused me to overdraft my bank account unnecessarily yet Chase Bank does not care about my lost money. I have tried to remedy this situation through multiple phone calls to their claims department but there is no excuse for being hung up on so many times. This is unacceptable and they have left me no choice but to file this complaint in order to get back the money that was stolen from me. I have all my receipts for proof. This should have been an extremely easy process on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Opened Promo account in XXXX and have been trying to fix spending hours each day. XXXX is all I dealt with and she does not read or know anything. Today XXXX shes says i need restatements which she set up but didnt tell me i need to do it from us bank app too.

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 2020-09-04 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: OR

Complaint narrative:
XXXX XXXX is negatively reporting to XXXX and Equifax from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax in an attempt to resolve an ongoing dispute. Equifax has continuously reported erroneous information that Equifax was aware was incorrect and failed to takes measures to correct. 

Equifax has not updated my credit file in over 9 years. On XX/XX/XXXX I contacted Equifax to inquire as to why my credit report has not been updated in several years and is currently providing potential creditors with knowingly erroneous information. I was speaking to an individual named XXXX who refused to give me her last name or initial or contact information or extension or any other viable information that would provide insight into who she was. XXXX refused to identify herself further than her first name because she stated that Equifax rules and regulations do not allow her to identify herself ( assuming for issues like this ). I immediately asked for a supervisor and was told that I would not be able to speak to one because she would not transfer the call to one. She informed me that they could not help me because they have the same information she does. After asking for a supervisor over 20 times the representative refused to transfer the call. She attempted to deflect responsibility on the part of Equifax. She stated that it is not their fault they are not reporting the information ; it was the fault of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and every other creditor I had, however, it was not Equifax fault. They attempted to inform me that each and every one of those companies are not complying with sending in information. I have contacted each of those companies and have verified that they have reported correct information to the credit bureaus. Equifax continues to publish information it knows is incorrect causing irreparable harm and damages. After calling back Equifax after having " XXXX '' hang up while having me on hold, I asked for a supervisor or manager. I was put through a voice prompt system that had me pushing buttons for 10 minutes before I got a person on the phone who informed me that they couldn't help me because my file hasn't been updated in years and they have no information. Why is this company allowed to exist and continue to provide its services when sadly ever since the XXXX breach, they have not shown any remorse for their negligence, they don't care about serving their customers, and they are providing knowingly false information causing harm to the public. Now after informing Equifax that I was filing a report with the Consumer Financial Protection Bureau, I was told " Good Luck with that '' and then magically, they needed two pieces of identification faxed to them in order to assist me with this matter. This was retaliatory action for my reporting their incompetent actions to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I close my credit card with Wells Fargo on XX/XX/XXXX with a customer care agent on the phone at that time I was told I had a XXXX balance but a credit pending of {$30.00} she said she would send me a check after the The credit posted to my account which is now closed so they sent me a check. Approximately three weeks later they sent me a letter asking me to cash the check as I have not cashed it yet then approximately XX/XX/XXXX, I received a bill from Wells Fargo for a approx. {$81.00}. I called right away to find out what the charges were for I was told that the merchant issued a credit to my account for the {$30.00} so XXXX was attempting to re-collect the {$30.00} check they sent to me and doing so they try to re-collect it from a closed savings account I once had since the account was closed there was a {$25.00} bounce check fee that Wells Fargo assessed to me. Since a couple of months have passed I was also then hit with a late fee I didnt even know these charges were out there I called to dispute this in the meantime my credit was dinged now Im being told that I still owe Wells Fargo a total of {$71.00}. I do not understand what the {$71.00} is for I paied {$25.00} in XXXX On that bill I did not think I would owe to prevent any further late fees while this is getting resolved its not getting resolved they can not tell me why I owe {$71.00} which is 25+ an  outstanding XXXX, I have two primary questions one if there was a credit from the merchant issued to my account was it prior to closing up my account in which case Wells Fargo failed is noticed that while I was on the phone with them that credit had been posted from the merchant if the credit was given to me after my card closed where is it I have not received {$30.00} from the merchant. I also have a charge for {$30.00} on my statement for XX/XX/XXXX and the same amount for {$30.00} for XX/XX/XXXX? Id like an explanation, I feel Wells Fargo is negligent and not noticing that they not only sent me a check but then another letter asking me to cash a check and then to go back to a closed savings account to try to recover that payment without notifying me and then hitting me with bounced check fees late fees and dinging my credit is just outlandish

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 2020-09-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.

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 2020-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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:
These are not my accounts. Please remove them from my credit.

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 2020-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They broke the law and I want to have them remove the negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Called National Credit Adjusters on XX/XX/2020 and was redirected 4 times to find my account. In the end no one wanted to let me know who to contact. Received a voicemail on XX/XX/2020 to contact them back. Called with no answers. Called original creditors XX/XX/2020. Nice lady let me know of original loan number but recommended I call let her know of situation and said to call her back on Tuesday. Yeah I just wan na pay my debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
on XX/XX/XXXX acct : # XXXX, prior XXXX took loan out interest rate:31.876 % :  credit life insurance : {$19.00} ; personal property ins. {$32.00} amount financedXXXX.never requested life insurance that only covered the loan, and {$19.00} was taken monthly, with a termination date of insurance on XXXX.I then reported the high interest rate to consumer protection and then management, XXXX XXXX, reduce the interest rate to 19.945 % on a bill from XX/XX/XXXX, that was {$1400.00}, since XX/XX/XXXX, I only paid {$700.00} into my debt, and the rest went to Interest? Please investigate! I am a Widow of an American Veteran, a single senior citizen, I believe in a higher power that I have to answer to! But I am become vulnerable to the con-artistes in XXXX County! I had gotten behind in my payment due to homelessness that was done deliberately by XXXX XXXX, a 33  year XXXX XXXX I had a work-at-home job, that he sabotage, by burning his condo down and XXXX  his girlfriends 2 cats! I thought the property Insurance at Regional Finance would help me, but it did not! They did not help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Starting on XX/XX/XXXX and XXXX I sent in my identity theft documents with request to remove accounts and inquiries within 4 business days per the FCRA. No one did anything and just disputed instead. I have been trying to get this fixed with Equifax for almost a month past the FCRA notification and I spoke with an employee the last week in XXXX as well. On XX/XX/XXXX and XXXX I spent multiple hours on the phone with employees who have continually transferred me, hung up on me, claimed to be fraud department but are not, send me to disputes etc. 

On XX/XX/XXXX I spent an hour on the phone with a gentleman who told me they would not comply with FCRA 605b because thats not their progress and to wait 30 days. I got hung up on when I asked to speak with his supervisor. 

Every time that I called in, I was connected directly to the fraud alert department without pressing any prompts on the key pad. I was forced each time to explain why I needed transferred, and not to send me to disputes ... then they would send me to disputes and then disputes would have to transfer me to fraud department who would say let me verify you-do the questions and then say okay hold while I take a look ... and then hang up on me again! Please review the phone calls and your employees responses, yes I got very annoyed after over an hour of just needing to make it to one department. Your staff need educated, this has made it almost impossible to get identity theft off my report. 

I spoke to a gentleman named XXXX who was very helpful and said my interns would be removed within 24 hours with my FTC report. However, they are still appearing. I got ahold of a lady on XX/XX/XXXX who told me to just wait I had to spend 20 minutes attempting to get an explanation or understand what was left in the process to do. All she would say you just need to wait and talk over me. 

Your staff are not educated in the business lines, compliance or customer service level I would expect for a consumer agency that is reporting identity theft on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: PA

Complaint narrative:
I never received mail at my address. Never received an email or phone call. Never entered an agreement with this company. I do not know anything about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
I refinanced with XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX in XX/XX/XXXX. My loan was sold to Flagstar Bank XX/XX/XXXX. 
There has been a {$50.00} fee added along with my mortgage payment since my account has been with Flagstar. I've been calling both companies since XX/XX/XXXX to have this removed. Flagstar claims the fee came from XXXX and states it is some sort of foreclosure related fee. I didn't have this fee when with XXXX and have never been late on mortgage payments since buying my condominium in XXXX. XXXX claims no knowledge of the fee. 

My suspicion is my account was mixed up with another consumer during the transfer of my mortgage. I haven't paid the fee and am getting nowhere with having this error reversed with either 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 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have recieved A response from the named company stating I owe A debt taht i have no knowledge of. I filed A complaint against this company because they are reporting inaccurate information. When i requested proof of debt I was sent A credit card statement. Which is NOT proof of debt. Tis shows that somebody used my name or information and received A card in my name. I have not recieved A signed contract nor copy of my drivers license to show and prove that I am the party they are trying to collect on. I have stated now for the second time that i have not had any contracts, services or cards with this company or the named company on the statement they " Credit one '' Additionally I would like to add the address they have listed on  the statement is not my address. However as of today they are still reporting this incorrect information even after I have informed them that this does not belong to me. This is my final complaint in an attempt to have this company remove this incorrect data from my credit file or I will pursuit legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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:
These are not my accounts. Please remove them from my credit.

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 2020-09-04 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:
These are not my accounts. Please remove them from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CA

Complaint narrative:
In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 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 2020-09-04 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:
In XX/XX/2020 I file disputes against all 3 credit bureaus. I know that they are supposed to reply within 30 days it has been over 30 days.I understand that company are working from home and are understaff but the law is the law and should still be done within 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 2020-09-04 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have been a client of Honda financial since XX/XX/XXXX. During the month of XX/XX/XXXX, I was hospitalized and had to get emergency XXXX. When I got out of the hospital, I had to go to XXXX XXXX. Honda financial attempted to call me on an old phone number because they hadnt received my payment. On XX/XX/XXXX I contacted Honda financial and made the necessary payments to bring my account up to date. I informed them that the late payment was due to hospitalization. I explained to them that I have been a client of Honda financial since  XX/XX/XXXX and I have never made a late payment. I kindly asked if they could drop the 30 day lateness from my credit report, and if needed, I could provide documentation to support my claim. The representative told me that there was nothing they could do to drop the late payment.

Company response to consumer: Closed with explanation