vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

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 2020-07-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
Never receive any paperwork prior to collection / reported on bureau. I went ahead and paid it on XX/XX/XXXX and the collection agency said they would send it for the trade line to be deleted off my credit. I called in on XX/XX/XXXX and spoke with a rep who said they wont remove it. I asked for a supervisor, and spoke to XXXX on XX/XX/XXXX who said give him 72 hours and he would call back after pulling the recording to verify that was what I was told. I never heard back so I called that following Friday, he didnt have the tape still and said he would call me back Monday. Its now XX/XX/XXXX. We keep calling and cant reach him and no one has called back. I want the trade line deleted as promised when I paid. Called today and spoke with XXXX who said I cant help you bye the call wasnt recorded. By law they have to be.

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 2020-07-01 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: LEXISNEXIS
State: LA

Complaint narrative:
I filed for Chapter XXXX  bankruptcy in XXXX of XXXX. The bankruptcy came off of my XXXX and XXXX  credit reports in XXXX of XXXX. XXXX  has it inaccurately reported as a Chapter XXXX bankruptcy. I filed two disputes with XXXX  about it in XXXX of XXXX. I included paperwork from my lawyer and the bankruptcy court but to no avail. I even filed a dispute with LexisNexis in XXXX of XXXX also to no avail. When I contacted LexisNexis on XXXX XX/XX/XXXX I was told because my bankruptcy was initially filed as Chapter XXXX but converted to Chapter XXXX they are not willing to stop reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have called this company multiple times and have never received an answer. I have paid my collection in full and the account is closed and has been for over 2 years.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Incident : A friend borrowed my vehicle, got in a high-speed chase with the cops, and abandoned the vehicle. It was then towed and stored at a tow yard. My boyfriend of fifteen years literally passed away two hours prior to me getting a call from the police department. I went to the tow yard, retrieved items from the car, and told the tow yard they can have the car. They assured me there would not be fees. On XX/XX/2020, I was contacted by a representative from Pacific Retrieval Debt. Collector. Upon speaking with the first rep. I explained the situation and informed him that I did not owe what they thought I owed. I informed him that I was going to call the tow yard and speak to them. He then transferred me to a " Supervisor '' who I do not believe is a supervisor as he presented to have the maturity of a fowl mouth immature XXXX-year-old boy. However, that is what this man claimed to be. When I repeated the same thing I said to the first rep, that I was calling the tow yard. He literally threw a fit. Yelled at me stating, " We are going to sure the ***** out of you, you loser, white trash. '' Now, I am not a lawyer. But, I do attend paralegal school and even if I didn't everyone knows that abuse is against the law under the FDCPA Act. And I intend on pressing the issue. I called back and was laughed at by a rep who answered the phone. I am not sure where this company gains their employees. But, I can assure none of them have an education or experience in customer service. I will be contacting an attorney friend to see if he can contact other victims of abuse from this company and file a class-action lawsuit and hopefully put them out of business. The reviews on XXXX re : this company backs my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NY

Complaint narrative:
credco have been checking my credit for months that i have never authorized

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 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I can't connect my PNC account to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 SoFi Invest inaccurately displayed the number of shares held in security XXXX. The inaccurate display of holdings triggered investor action. SoFi has been unable to provide accurate account of the security to date. On XX/XX/2020 SoFi invest began withholding funds available from withdraw without explanation. There has been a running discrepancy between funds available to purchase securities and funds available for withdraw. I have contacted SoFi several times to resolve the discrepancy without success. What is the purpose of a financial institution? Is it not a institution a consumer depends on to maintain an accurate record of assets? SoFi is an embarrassment to the financial industry and is holding my funds without explanation, reasoning or applicable account terms to justify doing-so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
We opened the account in XXXX of 2019. We have several cards and thus have not used this card for purchases much. We did use the card several months ago. When we opened the card we agreed to open the card to make a large purchase and earn the rewards points. We just received a letter advising that the account was closed due to inactivity, however we were never notified that it would close for inactivity NOR that if it closed all points would be lost. I just called and spoke to a representative and she stated the account is closed and rewards are lost. She stated they are not required to notify us rewards will be lost. Had we received notice that the rewards would be lost we would have made plans to use the card to remain active. However, now the account has been closed and the rewards WE earned have been lost. It appears to me that this is a predatory practice - it does not seem fair or legal. What's to say the creditor is not running a report for accounts that have been inactive and closing those who have rewards to avoid paying those out? It would appear to me as a consumer that is what's occurring and this is a predatory practice and demand the account and rewards be reinstated and CFPB performs a full investigation on this practice.

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 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
I made the payment on time, but when SunWest Mortgage went to withdraw the fund was insufficient. i wasn't aware my wife failed to put the money back in the checking account after using some of it. I immediately, called SunWest to explain what had happened, tell them the fund is there in my account and I'm ready to pay the penalty because of that. I told SunWest this is a very difficult moment where they should at least, see the human toll besides their own bottom line which is making money at all costs.They didn't want to listen, explained to me the way to resolve the payment is to go buy a money order for the amount of {$2100.00}. SunWest charged me {$15.00} for insufficient fund and {$110.00} penalty. My final bill was the mortgage payment plus fees, penalty and {$15.00} for the cashier check I bought. Oh, i forgot to mention next day postage fees. 
This is the way SunWest treated part of its clienteles that is voiceless and unable to come out of that merciless purge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program

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 2020-07-01 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: TX

Complaint narrative:
University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program

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 2020-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
MAILED COLLECTIONS ATTEMPTS TO XXXX COUNTY SHERIFFS DEPARTMENT IN XXXX WISCONSIN LOCATED AT XXXX XXXX XXXX, WHICH THEY THEN OPENED AND REALIZED IT DIDNT BELONG TO A EMPLOYEE OR A DETAINEE. WAKEFIELD AND ASSOSIATES GAVE THEM INFORMATION WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my Chase credit card was fraudulently used for purchases. Over {$9000.00} was spent at two businesses. 

The charges were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX On or about XX/XX/XXXX I logged into my Chase account and noticed the fraudulent charges. I reported them that same day. Chase took quick action and closed the account, issued me a new number and sent a replacement card. They also credited the total fraudulent amount. 

I assumed this was the end of it, until this month when they have re-charged my account for the fraudulent amount with zero explanation. When I call Chase to discuss, they tell me that can not give me any information and that I can not call the fraud recovery department directly. I have received no additional information or correspondence about my fraud claim from nor was any additional information ever requested from me. I can get no other information from them and it sure seems like they're trying to make me responsible for this theft. I have attached the only correspondence about the issue I have received from Chase to date. 

This is a card that is almost never used and their fraud prevention should have obviously flagged the first transaction for {$5500.00} before it was fully charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
We received a US Bank Reliacard PA in the mail to our address with another person 's name, whom we do not know. We have been unsuccessful in contacting US Bank Cardholder Services to alert them of the receipt of this fictitious card.

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 2020-07-01 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: ID

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have previously complained about this company. They initially said the debt was mine because I was not at the location to do my walk through at the apartment complex. I then had to submit another complaint and submit pictures of how clean the apartment was and multiple pictures of the lady who did my walk through with me. I was then told they would look into it and I haven't heard anything from them in over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation