vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX  had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is 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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is 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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
Apparently starting XX/XX/2021 XXXX XXXX XXXX sold my loan to Mr Cooper without my consent or prior notification. My loan payments are set up on an auto draft. Several days AFTER XX/XX/2021, I received a letter saying the loan had been transferred and I needed to send a payment to Mr Cooper. I had no prior warning or input into this change!!! 

Since this letter was not a standard billing statement, I wasnt about to mail them a check until making sure my account hadnt been auto drafted for the XXXX payment. Within a couple days, I received a billing statement for XXXX showing I needed to pay XXXX and XXXX. I promptly made that payment for both months which was posted on XX/XX/2021. On XX/XX/2021 a letter was written to me saying I was 30 days behind on my loan payment. I greatly resent receiving any such letter!!! 

At no time should a loan servicing company transfer a loan and send notice to the mortgagor AFTER the payment date. Then have the audacity to send a 30 day late payment notice AFTER the payment was made. I did everything I could reasonably be expected to do and feel helpless in these loan servicing companies profiting from my loan without any regard for the mortgagor. Both servicing companies should have an obligation to notify the mortgagor at least 30-60 days BEFORE the loan is transferred not AFTER the payment is due!!! 

I am concerned my credit will be affected by this transfer due to no fault of my own. This process needs to be regulated to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file

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 2021-07-16 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Hi i had open self credit builder account about 3 yrs ago and was offer a secure credit card with XXXX credit limit which was my money.I later closed the credit builder and kept the secure credit card. I tried canceling this account and it suppose to be linked to a credit builder account but its not and I need my money on this secure account and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On about XX/XX/XXXX I ordered a small what I believed to be XXXX returns pallet from XXXX  that led me to believe they were a us company moany shipping from Tennessee. A few days later I still had no tracking number so I looked up the alleged address of shipment. It belonged to a legitimate company who does sell pallets of goods but stated they were not affiliated with XXXX  and that they already had notified XXXX, the authorities and the fbi for fraud. I contacted chase and filed a dispute. After a couple of weeks they reversed the XXXX claiming the merchant from XXXX provided a tracking and delivery. They never contacted me to dispute what was shipped. I received a small white bag with 2 knockoff drill bits. I contacted chase on XX/XX/16 to ask why it was reversed and they stated because they provided tracking and delivery nothing else mattered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  Identity Theft BLOOM/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is 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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: NC

Complaint narrative:
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who XXXX is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
I rented a car through enterprise. They told me they would add a 300 dollar charge for security deposit and that when my reservation was over I would get it back to my us bank debit card.

A few mornings after I rented and now have the car, I woke up to my account saying 0. I called 24hr customer service and they informed me my account had been closed and the balance would be mailed in a check. I asked him about the security deposit and he told me to contact the branch manager that ordered the account closure. I called the branch manager the next morning and tried to figure out what was going on. She was so rude and nasty I was stunned. 
I couldnt believe she got the job because she was so ignorant and ghetto and Im XXXX so Im of the same ethnicity. I was being really patient and nice and she was just being rude and acted as if I was nothing. She had a full meltdown and tried to speak condescending and using baby talk ironically. It was really disturbing from a bank in the XXXX area. I told her I had kids and that I didnt know how they were going to eat while I wait the week for the check and she would just talk over me like YOOOOOUUUUURRRRR ACCCOOOOOOOUUUUNT IS CLOOOOOOOOOSED just really odd and unprofessional. I wasnt protesting the closure. I was trying to find out what will happen to my XXXX security deposit. The rental company told me they will only credit the account that has been closed. No other form of credit will be issued for my security deposit. 
They are not flexible to my situation either in terms of trying to change the card they will credit the {$300.00} but at least the people at the rental company were nice about it. Is there any hope for me? The rude manager was named XXXX. XXXX XXXX, IL branch ) I notified them that I would be filing with the cfpb as well as the ftc. I dont understand if they woke up on the side of the bed or what.

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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have XXXX inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a savings, checking, and visa card with Capital One. I charged several hundred dollars to the visa and made monthly payments, which included interest- on time. No annual fee, etc. My last payment was in XXXX for {$510.00} which included all interest and was paid on time. My balance showed XXXX. I checked my account on XXXX and it showed a balance of {$5.00}. I called - got someone out of the U.S. and they said it was interest that they had not posted before my last payment. I said I was not going to pay that. I closed my checking and savings accounts. I cut up my visa and mailed it to Capital one with a letter. Now my on line statement shows a late fee and interest on the interest for a total of {$10.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Alliance Collections is attempting to collect a debt that I had already paid. I had a medical bill that was unpaid because XXXX XXXX was sending it to the wrong address. When I found out about the bill, I contacted Advocate and paid it. Despite this being paid, Alliance Collections is calling me several times a day trying to collect.

The contact information for Alliance Collections is as follows : Alliance Collection Agencies , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Collections Department - ( XXXX ) XXXX General Information - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Direct payment funds withdrawn from bank account and deposited to ChaseVisa for {$12000.00} Rolling and other charges declined on card XX/XX/XXXX XX/XX/XXXX called Chase and was told that even though they have my money that wont credit the payment until XX/XX/XXXX even though they acknowledge they have my funds. This took two calls and three people, including XXXX the supivisor who was rude and condescending. 

They won't do anything about that so my rolling accounts will continue to be declined until funds are released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In XXXX of 2021 my mother, my father, my husband, my brother all recieved calls that I had a warrant out for my arrest for a crime and I was to call this number back or they would immediatly come to get me from my home. I attempted to contact and the person I spoke with was so irate I could not understand them. They continuesly call my family and say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed a bankruptcy with Equifax, and after their investigation they reported, as shown in the attached file, that the bankruptcy would be removed from my credit file. This is still showing on my report over a month later. When I called the company they stated I needed some kind of document from the court house to remove the bankruptcy AFTER already sending me verification that it was to be removed. They were not clear on what exactly I needed to get from the court house either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
review the following accounts that appear on my credit report, do not belong to me, and are hurting me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a 1099-C Cancellation of Debt from NOVAD MANAGEMENT CONSULTING LLC, in the amount of {$68000.00} in which I have had to file on my tax return as income for XXXX. NOVAD MANAGEMENT CONSULTING LLC is stating that my payoff amount is in the same amount that I received for the 1099C, {$68000.00}. In XXXX I decided to put my house on the market and closed escrow on XX/XX/XXXX. The escrow company is holding funds in the amount of {$75000.00} until this issued is resolved with NOVAD MANAGEMENT CONSULTING LLC. I have called NOVAD MANAGEMENT CONSULTING LLC serval times in attempt to resolve this situation. I need a XXXX  balance payment statement so that my funds are released. It has been almost two months and enough time to have straighten things out. I called on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, and XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX spoke to XXXX in which XXXX XXXX back from HUD and said that he would escalate to the supervisor, and XX/XX/XXXX and spoke to XXXX. Each time I called I waited for over an hour and told the same story six times. The only email I received was on XX/XX/XXXX with the wrong payoff amount for {$68000.00}. I have not heard NOVAD MANAGEMENT CONSULTING LLC even after calling them five more times. The Escrow company has also reached out to them. I am stressed and need I help, Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: DISCOVER BANK
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with R & R COLL SVC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$110.00} Amount Disputed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo decided for no reason to close all of my checking accounts and credit cards five years ago. But, now all of a sudden are sending me marketing emails for their bank with no way to opt out without being able to log in and change options. Although prior to them closing my accounts already had that option to not receive marketing emails chosen. I have sent Wells Fargo emails asking to stop sending any and all email, but it still continues. I would like Wells Fargo to have an unsubscribe tab on all emails without having to log in. They made a choice to cancel my accounts, I choose to cancel Wells Fargo and not have to see anything related to that bank in MY email box. I want out!

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I received two pre-paid credit cards for XXXX dollars each as a gift for XXXX in XXXX of 2020. They were issued by XXXX under license from VisXXXX. They are distributed and serviced by inComm Financial Services, XXXX XXXX XXXX, XXXX Georgia XXXX. When we tried to use one of the cards, it was discovered that there was only XXXX cents on it ; not XXXX dollars. These cards were received in the factory packaging and had not been tampered with. I filed a claim with the distributor inComm ( Claim # XXXX ) explaining that I had not made any purchases with it and in fact just opened the packaging for use in XXXX. XXXX performed an investigation and I was told that the purchases had already been made prior to my having the card ( XX/XX/2020 ) and that they were " sorry '' but there is nothing they could do. Bottom line is I received the equivalent of an empty box for a gift and the credit card distributor is unwilling to do anything about it.

Company response to consumer: Closed with explanation