vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a fraud account XXXX/XXXX/XXXX my information was stolen in the equifax data breach and this account was open with stolen information, Current shows as a charged off account with a XXXX balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX  and a collections of XXXX is listed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my credit since XXXX this year and I have sent mail to the XXXX, and XXXX mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. XXXX Account Number : XXXX Please remove it from my credit report. 
6. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX Account Number : XXXX Please remove it from my credit report. 
8. XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my credit since XXXX this year and I have sent mail to the XXXX, and XXXX mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : 1. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 
4. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
5. XXXX Account Number : XXXX Please remove it from my credit report. 
6. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX Account Number : XXXX Please remove it from my credit report. 
8. XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hello Have been trying to get a signed copy of the Debt that is owed to Midland Funding, As they are the Collection agency listed on my Credit reports, to Date, i have received no Validation of the Debt owed, I've asked for Validation of this debt within 30 days or this matter will be elevated to the appropriate Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried 3 times to obtain my credit report from Transunion, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and XXXX5 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did XXXX, XXXX XXXX, Macys and Best buy and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,

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 2022-05-16 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: Williams & Fudge, Inc
State: CA

Complaint narrative:
I received an email alert from my credit monitoring app that a new tradeline was recently added to my credit profile. I am currently in escrow for a home purchase and woke up to this nightmare. 
Company William & Fudge claims I owe them {$97.00} when I never had any written contracts or obligation to pay them. I never did business with William & Fudge. 

On XX/XX/2022 I wrote William & Fudge a letter via USPS mail of " validation '' bearing my signature that I had contractual obligation to pay them. 

I have also called them to ask to remove the inaccurate reporting on my credit, since it may have the possibility to affect my Home Loan Escrow process, forfeit my earnest money deposit of $ XXXX or increase of interest rate, or worse denial. They did not want help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years XXXX XXXX for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.

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 2022-05-16 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: NC

Complaint narrative:
I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX Transunion and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.

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 2022-05-16 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: PA

Complaint narrative:
I didn't apply or have no knowledge of these account these account are fraudulent and i will like these account removed are 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 2022-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I received an email notice from Firstmark Services ( a division of Nelnet ) on XX/XX/2022, stating that my minimum monthly payment would be reduced by approximately {$50.00}, effective XX/XX/2022. When I checked my account on XX/XX/2022, I noticed no change to my minimum monthly payment amount, so I contacted Firstmark to get things cleared up. I was advised to submit that email to their customer service department, and I would hear back. I submitted the email on XX/XX/2022, and received confirmation of receipt on XX/XX/2022. I heard nothing further from Firstmark. I called the customer service department today, XX/XX/2022, to inquire as to why my minimum monthly payment was not updated to the new, reduced amount. I was informed that the communication only applied to 3 of the 4 notes under that account, despite no indication of that in the notice I received. I requested that Firstmark abide by the notice sent to me, since no notice had been provided of an updated payment amount, and because the notice was unclear and misleading, in direct violation of 15 U.S.C. 1692e. Firstmark refused to take any action. On the call, Firstmark indicated that these kinds of notices ( which are unclear and misleading ) are sent to all consumers upon reamortization, and none of them indicate which notes the new minimum payment applies to. When I asked to get this in writing, Firstmark flatly refused to send such documentation, including refusing to send written communication of their standard practices with regard to notices, and refusing to send me a copy of the recording of the phone call. Eventually, Firstmark walked back that refusal, and as of today, I'm awaiting communication from a representative as to whether or not they'll be able to provide a written statement of the misleading nature of the notice. I've been promised that I will be called back on Thursday, XX/XX/2022, but I have little faith that this will happen, given the lack of communication in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Purchased a laptop from Best Buy, the delivery driver returned the laptop to the store due to not being able to make the delivery. I never received the laptop! Purchase price was for {$2300.00}, called and talked to account specialist several times. XXXX ( XXXX ) XXXX, Best Buy Order # XXXX, Dispute Case ID # XXXX, Dispute Reference ID : XXXX. This was two months ago, I have since closed this credit card account with Citi Bank and I am still waiting for the refund to the closed credit card account.

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 2022-05-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did XXXX XXXX XXXX, Macys and Best buy and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,

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 2022-05-16 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did Express, Victoria Secret, XXXX and XXXX XXXX and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Since XX/XX/2022 Equifax deleted almost all of my accounts from their report without any explanation. At present their report is only showing one credit card and I have over five. Is not showing my present address. I have tried sending complaints thru their website and called also but was unable to work thru their verification process for unknown reasons. In my XXXX report I can see 27 accounts of which Equifax only shows 3, of which 2 are close as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase XXXX XXXX XXXX Chase XXXX offered a XXXX XXXX XXXX offering {$30.00} back if the card holder spends {$40.00} or more. On XX/XX/XXXX, I spent {$43.00} on XXXX XXXX but the promotion was not honored. I've attached the promotion and my XXXX XXXX billing history detailing. Below you will find my interactions with Chase XXXX trying to resolve the matter. 
XX/XX/XXXX spoke with XXXX and she said it was going in the right direction and would be honored, said give it until XX/XX/XXXX before following up. 
XX/XX/XXXX Spoke with XXXX about Chase XXXX XXXX charge of {$43.00} on XX/XX/XXXX, promo was spend XXXX or more receive XXXX back, XXXX said she would send to marketing/promo department and they would get back to me in XXXX days. XXXX stated it was going to be honored. 
XX/XX/XXXX XXXX XX/XX/XXXX a case was created, still being worked by back office, turnaround is up to 14 days with weekends could be XX/XX/XXXX XX/XX/XXXX XXXX- a letter has been sent over providing the response that it would not be honored and this was decided back on XX/XX/XXXX and didn't know why XXXX would have told me otherwise. XXXX sent me back to the general routing and I had to wait for a new agent. 
- XXXX XXXX - offer for " XXXX prepaid services '' but this promotion has limited information in the system that she can access. She said they have mailed me a letter, but I have not received as of XX/XX/XXXX. 
- Sent to supervisor and the wait was greater than XXXX XXXX call took over an hour - XXXX - can not be able to see the promotion, the reason for denial is that on their system, charge does not show as being prepaid, does not meet because the charge did not come through as a XXXX prepaid service, escalation has already been completed. They do not review what actually happened, they only review what their system states. Then she asked, " Anything else? '' This call on XX/XX/XXXX took XXXX hour and XXXX minutes and represents a bait and switch which is the action ( generally illegal ) of advertising goods which are an apparent bargain or promotion, with no intention of honoring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
For the past XXXX years i have been been getting the runaround rom XXXX XXXX. All the documents requested were submitted along with Hardship letter my wife had gotten XXXX. So i was the sole provider for my Family. They recently denied a modifacation but have not been able to explain there reason. They claim there were covid programs but nothing was offered .Last year a representative from SPS called with a lower payment so i said just put in in writing and i can start to pay. The following day a rep from SPS called and stated that this person was not authorized to make that decision ..Every time you call them a different person picks up and tells you a different story. Just not fair.They dont include all the documents i have submitted and tell me to resubmit .them again. The same docs over and over. There are over XXXX reviews on the web site and they are all the same as mine. Over 200 law suites have been settled do to there lack of compassion. Just a group of greedy uncaring people. They should be put out of business and all debt should be forgiven .Respectfully Submitted XXXX XXXX XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Date : XX/XX/2022 I realized that I was being charged for an American Express Card that is no longer used and the Annual renewal of {$690.00} needed to be paid. I had received a call from Amex and when I tried to cancel the card all together. The Amex representative said " you will still need to pay Late Fees {$78.00} and Annual renewal charges ( {$690.00} ) for a total amount of {$770.00} because the renewal was XX/XX/2022 and its past XXXX for a refund on the renewal fees and late charge. 

It is still the obligation of the card holder to pay the renewal fee past XXXX no exceptions. This is not stated anywhere within the monthly statement of the renewal charge. Plus if you don't use the card and don't need to pay regular payments you may incur this charge without knowing like I did. And I am now forced to pay without even knowing especially when I setup a paperless account.

I tried to get the card canceled and charges removed but the American Express representative said I need to pay the renewal and fees and at the same time card will be suspended. I just want out of American Express and dont want to be held to my renewal fees and late charges because I dont and will not use the card in the future.

Company response to consumer: Closed with explanation