vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 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: FL

Complaint narrative:
s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a lot of inquiries on my credit and Equifax does not wont to do anything they dont even have address to the company for me to even call them. They cant fix anything on your credit why are they a credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
A new collection account has appeared on my credit from Midwest Recovery Systems. The original credit listed is XXXX XXXX XXXX. I have never received any type of money or monetary benefit from XXXX XXXX XXXX, i don't know the original creditor, have never tried to obtain anything from the original creditor, never had any funds from them. I have recently been a victim of identity theft when my wallet was stolen about a year ago. I want these cowards to take this XXXX off of my credit report because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2018 chase card inqury that I did not authorize XX/XX/2018 chase card inqury that I did not authorize XXXX  XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: PA

Complaint narrative:
Both Experian and XXXX are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and XXXX also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called XXXX  to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my credit cards use XXXX for the FICO score with the statement : The score was based on XXXX data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late.

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 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: ND

Complaint narrative:
CONSERVE XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX -added extra fees to my assumed " debt '' of XXXX which is against the ( fair debt collection practices act ) [ additional information ] -Tried to dispute debt several times with only receiving very bias results which started with the Dept of the  Treasury. 
-Did not receive reply 's on many occasions as I tried many times to communicate with them. 
- '' Debt '' was not communicated to me until it was going to collections. 
-Debt started with the XXXX XXXX 
I tried to discuss debt with treasury first but they had bad communication and false phone/fax/email numbers. 
-I have phone, emailed, faxed and mailed for communication methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX I authorized a business to debit my account for {$100.00} and in turn they were to provide services to me. The services were never provided me so I called the merchant to get the {$100.00} returned and he did not respond to me. 
I then called Wells Fargo Bank to dispute the charge. I was given provisionary credit and then I received a letter on XX/XX/XXXX that the credit was being taken back and no credit would be given, should I have any questions to call. I called Wells Fargo and was advised that " They lost the case against XXXX because they are a money transfer company and that the transaction was a money transfer. I once again advised that this was not a money transfer and that my debit card was processed by the business and XXXX must have been their Merchant Services company. They kept insisting that it was a money transfer. I asked to speak with a supervisor as I was not satisfied with the information that was being provided and they should also realize that this was not done as a money transfer, " as similar to XXXX XXXX '' as I was told but processed through a merchant services company, I was advised that this was a final decision and there was no where I could go to dispute this transaction.

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 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received a credit card offer from American Express on XX/XX/2019. It was adressed to my XXXX year old daughter with Mr. in front of her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a notification from XXXX  that I had an account in collections in the amount of {$200.00} from creditor XXXX XXXX XXXX XXXX. This was being handled by a collections company called Midwest Recovery Systems. 

I have no such account, never heard of XXXX XXXX XXXX XXXX, do not EVER use pay day loan services, received no notification from Midwest by phone, email or mail that an account was in collections. 

I suspect my information was bought or stolen. Some research online revealed that this is a common complaint with Midwest Recovery. How was this information not validated before this was placed on my credit report? 

This is complete and total fraud and identity theft. I want this collection charge removed from my credit report immediately and I want written notification from Midwest that my information will not be used for fraudulent purposes again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
XX/XX/XXXX funds withdrawn from my checking account with confirmed receipt to Citizen 's One Lending on XX/XX/XXXX payment not posted until XX/XX/XXXX XX/XX/XXXX payment recieved by Citizen 's one XX/XX/XXXX not posted until XX/XX/XXXX XX/XX/XXXX payment received by Citizen 's one as of XX/XX/XXXX still not posted and have charged me a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: IL

Complaint narrative:
XX/XX/2018 XXXX XXXX  inqury that I did not authorize XX/XX/2018 XXXX XXXX  inqury that I did not authorize Credo XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize

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 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank closed my Platinum AAdvantage account ending in XXXX in the month of XX/XX/XXXX, and did not refund me for the unused annual fee of {$99.00} which was billed on XX/XX/XXXX. I have called multiple times, as well as have a record of the customer service chats where customer service agent XXXX advised on XX/XX/XXXX that the credit would be applied on the statement closing on XX/XX/XXXX, and I also have a chat record with agent XXXX on XX/XX/XXXX who advised she could not issue a credit, but to call a specific number and a supervisor " will be happy to help you in this. '' I called the specified phone number, spoke with agent XXXX  ( employee ID XXXX ), who advised she could not/would not waive the fee, even though I continued to explain the account was closed/there is no reason to charge me the annual fee. She advised her supervisor XXXX ( would not provide me an employee ID/number ), also advised they would not waive the fee. I am simply requesting credit for an annual fee on a closed account, I'm not asking for credit toward on an annual fee that is an active account. If further documentation is needed please let me know, as I have records of the customer service chat ( s ) where I was advised I would be credited 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 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, we were forced to sell our home previously due to my husband being a XXXX veteran and not being able to work, when he was first diagnosed he couldnt work as much so we fell behind on our payments but only by XXXX, we requested a modification which took a year but we were granted the mod eventually. Our mortgage was sold to XXXX now known as XXXX XXXX. However on the day of closing we found out that there had been a partial Claim initiated without our consent so we lost XXXX at closing unexpectedly because we feel this way as done behind our back, we also have seen previous lawsuits against BOA involving modifications and HAMP programs in the news, please see attached paperwork, thanks!

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 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OK

Complaint narrative:
Incorrectly charged by vendor on XX/XX/18, submitted dispute to Discover on XX/XX/18, no reply for weeks, submit follow-up message to Discover XX/XX/18, finally receive reply XX/XX/18 stating investigation initiated. Charge reposted by Discover to my card apparently on XX/XX/18, I notice and message on XX/XX/18 requesting details. Apparently charge was upheld by vendor, so I assume the complete details not passed on to vendor. On XX/XX/18, Discover replies and informs me vendor upheld, but they will continue dispute. Repost of provisional credit was once again not applied until XX/XX/18. Apparently vendor upheld a second time ( despite vendor themselves investigating and admitting equipment malfunctioned and their accounting dept tells me to dispute the charge ) at which point Discover reposts twice on XX/XX/18, and they state it's because my credit card number changed mid-dispute. I explain they already reposted to the old card on XX/XX/18, and I can clearly see four debits and two credits on my account, resulting in me paying for the vendor 's charge and also paying Discover for it as well. Dispute escalation manager replied and indicated I must be confused because some were on my old card number and some on my new. I message a couple times to explain she is not accounting for all transactions in her summary of debits and credits, and they repeatedly argued, even though there is clear evidence in my transaction history. It is poor customer service to take weeks to reply to messages when it's stated at the bottom of the screen the customer can expect a reply within 24 hours. But it's absolutely inexcusable for the disputes department to manually adjust an account and not take seriously a customer 's complaint despite evidence to the contrary. They eventually credited back twice, which resulted in eight total debits and credits. They never explained why they credited twice, if the vendor eventually validated my dispute or if Discover credited due to my complaint. However, my balance does not reflect that as it should be a net XXXX. Once the credits were posted on XX/XX/18, it should have resulted in a wash. I will attach documentation to that effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank agreed that two charges to my credit card were fraudulent. One they credited to my account and the other one they have failed to credit to my account and despite agreeing that the charge is fraudulent they will not remove it and I am still liable for it. They replaced the initial card to avoid further fraudulent charges. I complained today and the initial complaint was made on XX/XX/19. The amount is {$88.00}.

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 non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Automatic Data Processing, Inc.
State: NE

Complaint narrative:
I was hired on initially at XXXX XXXX before my screening was ordered. I really like the job, my assessment I completed recommended me for the job. I had a problem with getting my ID in time and also was kicked out in XX/XX/XXXX. You can not have any Felonies for the last 7 years and work there. Well XX/XX/XXXX was my 7 years, as of XX/XX/XXXX I and felony free and can now qualify to work there. Now I have my ID and went back there and presented my ID. Now they have a problem with the way Case 2 of XX/XX/XXXX is worded, Attempt of a class 4 felony, because it has the word felony in it. They are unsure and requested I submit this letter to have the word felony removed from it, as it is only a misdemeanor. Can you please remove that word and only put that is a misdemeanor. It makes it look like I have a felony and It is hindering me from getting a job that is really like. I think its unfair because I qualify to work there, but because of that word felony is on it. They are unsure. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have student loans from XXXX. That keep showing up on my credit report. These federal student loans back days over XXXX. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # 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 2019-01-18 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 no knowledge of this account at all. I am XXXX  and have not rented from anyone at all my entire life. I will provide proof that I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX. 

It indicated an amount due of {$4700.00}. 

I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company. 

I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since. 

They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have student loans from XX/XX/XXXX-XX/XX/XXXX. That keep showing up on my credit report. These federal student loans back days over 19yrs. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX of XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX

Company response to consumer: Closed with explanation