vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: OH

Complaint narrative:
Experian isnt allowing me to Dispute against creditors that are not mine. Experian is favoring the creditors as I have told them time again I had fraud identity theft on my name. Experian doesnt want to do anything about it and will not dispute with these creditors! Experian is deterring me to not Dispute. Also Ive asked why are you blaming the XXXX as Ive chatted with them and all information is correct to pull credit report and score for the premium service I have with Experian. This company will say and do anything to not help consumers. Unethical treatment by Experian. Very dissatisfied with this company to help consumers and favors creditors and lenders.

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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have opened a claim with Bank of America my phone was compromised and my XXXX XXXX was hacked and there was a transfer done for XXXX they denied my claim because I couldnt provide them proof that my phone was hacked. I am getting evicted from my apartment because of this and this sorry excuse for a bank does not care one bit bout my funds being stolen from me. I have had the claim re opened for reconsideration and that will take up to XX/XX/XXXX which does not help me now because my eviction is already in process. Please help me get my money back

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, my mortgage was sold from Amerihome Mortgage to XXXX XXXX. Amerihome Mortgage has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted Amerihome but they have not come up with a resolve as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I had Lexington law for quite awhile. I canceled service and was billed a extra month later, for an additional month of service. 
Also, I was constantly charged for services every month, that were not done. I did not see any change until I called and requested escalation of service and then thereafter, there were still times months went by without any action being executed. 

Upon canceling the service, everything that was removed was placed back on my report and some that I had no knowledge of, leading me to believe that Lexington Law is a partner with the credit bureau or companies that purchased/owned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Im a victim of identity theft. I do not know where this amount came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Veterans Affairs ( VA ) : VA Medical Care Copayment Pay.gov Tracking ID : XXXX Transaction Date : XX/XX/2018 XXXX XXXX EST Transaction Amount : {$50.00} Payment Type : Bank account ( ACH ) Transaction Status : Complete Payment Date : XX/XX/2018 Frequency : One Time XXXX/XXXX - CODE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, my mortgage was sold from XXXX XXXX to XXXX XXXX. XXXX XXXX has not had my account since XX/XX/XXXX. In XX/XX/XXXX, they reported the account was 120 days delinquent in XX/XX/XXXX lowering my credit score. This is an error. I have contacted XXXX but they have not come up with a resolve as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, I disputed {$240.00} illegally charged without my consent for title and tags on a used vehicle I purchased. On XX/XX/XXXX, Discover rejected my dispute based solely on a signed receipt from the dealership. Accordingly, I faxed a more detailed letter with affirmed facts demonstrating clear and convincing fraud in the inducement as well as fraud in the factum. Discover refused to consider this additional information. Moreover, I have the right to an appeal to the dispute panel under the terms of my credit card but Discover is illegally stonewalling my attempt to continue the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been trying to work with bank of america to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to bank of america multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response

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 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I was late 3 months in a row for 6 different loans at NELNET without knowledge of having to start paying. That's 16 late payments that make my credit look really bad. I was currently XXXX and XXXX   XXXX to my XXXX child. The dates of these late payments are XX/XX/2017, XX/XX/2017, XX/XX/2017. I was for sure that the loans were still in forbearance at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern : On XX/XX/2019 I sent TransUnion a letters regarding errors on my credit report. The letter was about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received a responses on XX/XX/2019 from TransUnion explaining inquires. They did not take the time to investigate the inquiries. This is a violation of the Fair Credit Reporting Act. They are required to conduct an investigation. I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires should be removed from my credit report immediately. I have attached my original letter and TransUnion response. 

Thank you 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
I have been trying to work with XXXX XXXX XXXX to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to XXXX XXXX XXXX multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. 

I have tried to contact them via letter to help and remove if offered payment and no response

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 2019-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I have leases a car from honda and payed the debt down to XXXX completely and about 3 months later my credit starts to receive a drastic change because honda has taken the time to charge me an excise tax that they were suppose to pay and apply to my bill. The XXXX $ payment was added 3 months later after the account was closed and settled completely and the car was no longer in my possession and total. 

I have reached out on multiple occasions but they feel as this my fault meanwhile city hall and Massachusetts requires the bill get put on the note of the lease to get payed as a result breaking their own rules and sending the amount into collections after trying to solve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 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: FL

Complaint narrative:
Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXXXX/XX/2019. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I Received a Email through my phone that stated money was sent to a XXXX XXXX in the amount of $ XXXX/ $ XXXX/ {$500.00} onXX/XX/2019. using the cash app you have to put in a pin # if you accept or decline the transaction there was nothing thaasked me for a pin number for neither of the 3 transactions.  Also if that person is not a contact in your phone the app verifies that the person is not a contact ask if you are sure you want to proceed with this transaction .That never happened today. I tried contacting Square and had no success with them. Money was taken straight out of my checking account not off of the card. The normal process is it is taken off of the card not out of your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have had capital as one of my first credit card and it was a great experience, one thing i was doing is trying to automate all my credit card payments to make sure no human error was involved but as a result I had some payments go missing and as result of paperless billing I was never able to notice about 3-4 months later. 

If you look at my report as soon As i found out I was behind on payments I made sure It was taken care of right away and as a result becoming a paid account. 

so all in all the automation process I was executing in my life at a very young age created issues as far as 120 days late which was a very bad mistake but once I knew the capital card received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: IL

Complaint narrative:
To whom it may concern : On XX/XX/2019 I sent Equifax 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX  that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received one response on XX/XX/2019 from Equifax stating that inquiries were verified. I did not recieve any letter from Equifax regarding the 2 XXXX XXXX XXXX XXXX. Which is a clear violation of the Fair Credit reporting act. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer-generated response. It does not say who they talked to, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires and credit cards should be removed from my credit report immediately. I have attached both my letters and Equifax response. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: LA

Complaint narrative:
I have no knowledge of the following inquiry CredcoXX/XX/2019. Please  investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
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 explanation
Consumer complaint received 2019-05-16 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: FL

Complaint narrative:
Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: MO

Complaint narrative:
I do not recognize these inquiries into my credit. 

XXXX XXXX - XXXX, KY XXXX/XXXX - XXXX, FL. 
XXXX XXXX - XXXX, MD. 
XXXX XXXX - XXXX, WIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2019, I sent TransUnion a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. After waiting over 15 business days for a response I sent another certified letter on XX/XX/2019, letting them know that I have waited passed the allowable time for information on method of verification and since they failed to provide the proof to me that they violated my rights as well as that in itself is grounds for immediate deletion from my credit file. TransUnion continues to violate my rights with verifiable proof to keep reporting said item above.

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 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I got scammed in XX/XX/XXXX when I wanted to buy a XXXX XXXX for my cousins birthday on XXXX marketplace. I saw one selling for {$200.00} dollars from a user whose account has been active since long ago. I talked to her and she said she would be happy to send the XXXX XXXX by delivery using XXXX. So the next morning she texts me early and says shes about to send the XXXX   and sends fake pictures of her at a delivery place with the console. She then says her XXXX account wasnt working and to use XXXX. I never used XXXX before but my bank had an option for it, so I trusted it. I sent the money and she kept telling me to wait for the tracking number that never came. She gave me her real phone number as well to send the money to and I have found her personal XXXX and XXXX  using that info. I have messaged her but she says she will send police to me if I message her any more. I am completely devastated and really sad that I couldnt gift my cousin this year with the hard money I worked for in my part time job.

Company response to consumer: Closed with explanation