vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND TRANSUNION HAS NOT RESPONDED WITH UPDATES EITHER

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 2020-02-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND XXXX  HAS NOT RESPONDED WITH UPDATES EITHER

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 2020-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
On XXXX, I used an app called XXXX to reserve a hotel room at the XXXX XXXX XXXX. One room, one night. When I checked out, the XXXX XXXX charged me, as well as the XXXX website. I complained on XXXX. My bank, Direct Express, wrote me on XXXX, and they did not find that an error had occurred. Yet it still stands as an error against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit 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:
I purchased a XXXX dishwasher from BestBuy on XX/XX/2019 for delivery on XX/XX/2019. I opened a BestBuy / Citibank credit card at the time at the XXXX XXXX, XXXX, NY BestBuy store. The saleswomen suggested I purchase a deluxe installation kit ( {$29.00} + {$2.00} tax ) and a haul-away service ( {$19.00} ). I agreed to these additions. The dishwasher was delivered as agreed to, but the delivery did not include the installation kit and the delivery men refused to haul away the old dishwasher. I signed a delivery logbook the delivery man presented, noting that the delivery men refused to haul away the old dishwasher. This book contained multiple entries, I assume for other deliveries. The old dishwasher sat in my dining room for a week until my nephew and I carried it out for pickup by XXXX curbside recycling program on XX/XX/2019. I have affidavits attesting to this. The installation kit was not delivered, but not necessary since I was able to use the existing copper lines. I raised the complaint with BestBuy on XX/XX/2019, on BestBuy 's XXXX page -- their recommended method. I received an automated response but nothing else. I have a printout of this. I paid for the dishwasher in full, {$480.00}, when due. I disputed the {$52.00} charge for unfulfilled goods and services, in XX/XX/2019 with Citibank. Citibank rejected my dispute presenting a number of documents including a BestBuy / XXXX XXXX acceptance form with a forged signature. I never saw such a document, nor does the signature in any way resemble mine. I wrote Citibank dispute center on XX/XX/2019 by US mail and again on XX/XX/2019. Neither of these letters was responded to. In a conversation on XX/XX/2019 with a woman identifying herself as XXXX at the Tennessee Citibank dispute call center, I found out that the first letter was on file but never responded to. I got a call from XXXXon XX/XX/2019, that lasted 42 minutes. It resulted in the late charges being removed and I thought in the dispute being resolved, but the dispute remains! And late charges have again been applied. Subsequently, Citibank has reported my account delinquent. This is the first time in over 39 years of credit history I have ever had a credit card claim me delinquent. My FICO  score was above 800 last summer and has now plummeted to a low of XXXX! Obviously, Citibank has caused me harm. If I were to apply for a car loan, I would be charged a much higher rate. If Citibank even bothered to check, it would discover that my other two cards with Citibank -- LL Bean and Costco -- are always paid in full on time, as are all my credit cards.

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 2020-02-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX  acct # XXXX This account was opened on XXXX this account is over 7 years old this account should be removed from my credit file. 

XXXX acct # XXXX This account was opened on XXXX, balance of {$4900.00} and {$3.00} this account is over 7 years old this account should be removed from my credit file. There is more than one balance on my account with the same account number. How can I have more than one balance with the same account number b US DEPT OF ED/XXXX  acct # XXXX this account was opened on XXXX balance of {$16000.00} and XXXX balance of {$19000.00} this account is more than 7 years old this account should be removed from my credit file. How can I have more than one balance with the same account number? 

Please have these removed from 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 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The account where open in 2018 filed a dispute for both accounts where found fraudulent they where removed from all credit reports

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 2020-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I previously had a loan with Moneylion, that was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I received a credit monitoring alert of " New Bank/Credit Card '' and that " MONEYLION INC reported a new account on your XXXX  Credit Report. '' I did not apply for nor approve any additional loans or services with MoneyLion. I am enclosing a copy of the credit monitoring alert showing the reporting of this fraudulently opened " New Bank/Credit Card '' account. I demand that a thorough investigation into this matter be completed expeditiously and with haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I have been paying this loan for many years. Then my school closed and now I don't have access to get any copy of my transcripts or anything. I can get records that future jobs require and no proof I graduated. This is horrible and a true financial burden on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
The two companies are Acima Credit and XXXX, they were removed from my credit reports and appeared back without my notice from the Credit Bureaus which is against the law according to my consumer FCRA Laws. Please have these two accounts removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I obtained {$68000.00} equity line of credit from XXXX XXXX XXXX and I spent only {$25000.00} out of the approved amount before the account was blocked. I paid interest on the amount of {$25000.00} auto draft regularly until XX/XX/XXXX when i filed chapter XXXX bankruptcy. Sometime, in XXXX during my bankruptcy XXXX XXXX XXXX simultaneously assigned the loan to XXXX XXXX and XXXX XXXX not in its individual capacity but solely. On XXXX, XXXX XXXX obtained a judgment for {$42000.00} which i appealed. Suddenly, Rushmore loan management company claimed to be in charge of the mortgage that was already litigated and appealed. Currently Rushmore loan management services are demanding {$57000.00} and began to send me statements as if I holds a mortgage note with them. On XX/XX/XXXX, Rushmore loan management services planned to sell the property through a sheriff sales. Meanwhile, Rushmore loan management services suddenly showed up and simply want to defraud and take advantage of my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I received a notice of rejection from XXXX XXXX on XXXX/XXXX/2020. I submitted for a freeze online and for my free consumer report that very same day. No luck or response, so I submitted again on XX/XX//2020. I also tried calling on XX/XX//2020 and they said they would contact me back in one business day. It is now XXXX/2020 and still no response or letter about my credit score or credit freeze. Please get them to freeze my credit score and send me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a Barclays credit card & was approved. But they never sent me my card. Yet there is already a large balance owed on the account but I have yet to receive my card! 

Also someone broke into several cars in my apartments, mine was one of them. My phone and wallet was stolen from out of my car.

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 2020-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLSFARGODEALERSVCS {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX  {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from a collection agency regarding a debt in the amount of {$250.00} alleged by XXXX XXXX XXXX XXXX XXXX XXXX about uniform/equipment. In fact, I NEVER received any uniform or equipment from XXXX because I did not work with them except that I attended an orientation/training and they did not issue me any uniform or equipment. Besides, they never contacted me neither by phone or email or regular mail about this alleged charge or debt. It is an unethical business practice that they refer a false and non-existing debt to a collection agency ; therefore, they need to rectify the matter and remove the alleged debt immediately because it might affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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, and I am writing to dispute the following fraudulent charges on my account : WELLSFARGODEALERSVCS {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,

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 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Mortgage company Ditech financial recently went bankrupt and sold my mortgage to a new company but for some reason the new company is saying that I was missing payments for like 6 months I have never missed a payment except for XX/XX/2019 when ditech lied to me and offered a forbearance and then later change there story but I made up that payment in XX/XX/2019 I please help don't want to lose my house or do a loss of mitigation.I contacted the pay station where I pay my bill electronically and they sent me a receipt of some of the payments I made the rest are made by money order I don't need a Loss of mitigation and I'm terrified my house will be forclosed on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my XXXX credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. XXXX inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and Portfolio Recovery Association and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted XXXX on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX  themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.

Company response to consumer: Closed with explanation