vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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: NC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This very unprofessional. Please remove the fraud accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NJ

Complaint narrative:
I recently ran my credit report and saw incorrect information reported by XXXX XXXX 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance continues to verify inaccurate information on my credit report to various credit reporting agencies. Specifically XXXX, despite being sent notice under Section 609 of The Fair Credit Reporting Act which requires World Finance to remove or delete information if they fail to provide the authorization to pull credit and or contracts or agreements related to the debt. As of the submission of this complaint, World Finance although duly noticed more than 90 days ago has failed to provide the required information under Section 609 FCRA. World Finance is violating the FCRA by continuing to verify information being disputed as accurate yet failing to comply with Section 609 FCRA. The CFPB has shed numerous entities for these continued violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IL

Complaint narrative:
There is an attempt to collect a debt on items that I had no knowledge of. I have submitted letters on XX/XX/XXXX to the each of the collection/creditors, stating that at the times I lived only at one address which were not any of the addresses that where added to my name. 

XXXX XXXX was open XX/XX/XXXX for XXXX $ Notified on XX/XX/XXXX that the debt did not belong to me, no response Acceptance now was open on XX/XX/XXXX for XXXX $ company never responded when notified on XX/XX/XXXX National Recovery was open XX/XX/XXXX but the original date is XX/XX/XXXX for XXXX $ once I notified this company instead of responding they placed my account as if I am admitting to the debt and made it up to date to their knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: U.S. BANCORP
State: PA

Complaint narrative:
USbankReliaCArd was frozen since XX/XX/XXXX. 
XX/XX/XXXX Placed a call to XXXX, was told to fax drivers license and non federal emplyee to XXXX which I did on XX/XX/XXXX with confirmed receipt. 
XX/XX/XXXX did a follow up call, was told it will take 5-10 business days to procees. 
XX/XX/XXXX Placed a call, was told to send a selfie to Verify.USbank.com/Retail which I did. 
as documents not found.Requested as call from Supervisor. 
XX/XX/XXXX Call from XXXX, Supervisor, unable to find documents to refax documents. 
XX/XX/XXXX Documents refaxed to same number as stated above. 
XX/XX/XXXX Followup call, need selfie send to Verifu USbank.com/ID XX/XX/XXXX CAll placed, card still inactive. 
XX/XX/XXXX Placed a call again, still no determination, was told told to call back XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Several calls throughout the last 2 years to fix the management of our accounts. Several payments have been " lost '' or not applied to account or applied to incorrect account. Finance charges are incorrectly applied to monthly billing/payments. Fees erroneously or incorrectly applied. Payoff amount is incorrect. 
First contact made about these issues XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NV

Complaint narrative:
This is a 3rd request. These aren't my accounts. Please remove them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NV

Complaint narrative:
This is a 3rd request. These aren't my accounts. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was applying for the Amex gold card that had a promotional points offer ( 60k points ). I received a pop up that said i wasnt eligible for the offer because i already had the card. The pop up was wrong as i never had the card before. So i messaged their customer service and asked them why i got the popup and to confirm that they saw i never had the card so that i would be eligible for the promotion. They confirmed that i never had the card, which i have photographic proof of. Then when i meet the promotion requirements for minimum spend and followed up with them for when i would receive the points promotion they said i was not eligible for some general non specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment bureaus is double reporting 2 debts on my credit file with XXXX XXXX XXXX XXXX. I recently checked my credit and noticed that Knight Adjustment and XXXX XXXX were reporting on the same debt. I paid this debt off a long time ago so it shouldn't be reporting on my credit file at all. However, XXXX XXXX never closed the account and updated it to a XXXX balance with a " charge off '' status and Knight Adjustment is reporting this as a paid collection. This is a violation under the FCRA and the FDCPA and needs to be fixed ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo advertised cell phone insurance if the cell phone bill was paid with the Wells Fargo Credit Card. I started making my cell phone bill payments via my Wells Fargo Credit Card more than a year ago ( as required by the terms of the cell phone protection insurance being promoted ). Recently ( early XX/XX/2020 ) the phone screens cracked on two phones on the account. These were repaired at a cost of {$66.00} each ( total of {$130.00} ). Claim was submitted to Wells Fargo via Card Benefit Services web site with required documentation. Wells Fargo has refused to pay these claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 8 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I write regarding a potential violation of the Credit CARD Act of 2009, in that Citibank appears to have improperly applied my payments above the minimum payment to a lower-interest rate balance transfer ( 0.99 % APR ), rather than to higher-interest rate standard purchases ( currently 9.24 % APR ). 

This began on my XX/XX/XXXX statement and continued on my XX/XX/XXXX statement, as set forth in the attached XX/XX/XXXX letter I sent to Citi. The attached letter contains dates, amounts, and actions requested ( i.e. monetary relief in the form of corrections to interest payments and a balance transfer balance ). I called Citi twice on XXXX XXXX, XXXX and XXXX XXXX, XXXX, and was assured that the problem would be corrected, but it has not been. 

It appears that CFPB has received multiple similar complaints regarding similar issues. See CFPB complaint # XXXX, # XXXX. 

Also, the instructions on Citi 's statements as to where to send complaint letters appear to be incorrect. The instructions provide " write to us at the address for billing inquiries and correspondence shown on the front of your statement, '' and inform that rights to challenge mistakes may be waived if notification in writing is not provided within 60 days. On XX/XX/XXXX, I mailed the letter to that address on the front of the statement, i.e. XXXX XXXX XXXX in XXXX XXXX, SD. However, I called Citi today, and they informed me that the proper address for complaint letters is XXXX. XXXX XXXX in XXXX XXXX, SD, and that they had not received my letter. I asked them if I could email them the letter so that I could notify them today and preserve my rights. Citi said there was no way to email them. Citi did say that they would alert their back office to look for the letter. 

Given Citi 's apparent mistake as to where to address complaint letters, and my efforts to reach out to Citi today and previously, I trust that Citi will not treat my rights as waived. 

Thank you for considering this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NC

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This very unprofessional. Please remove the fraud accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX the collection agency Portfolio Recovery Associates LLC agreed to a " pay and delete '' settlement. I paid the debt but the collection agency never deleted the negative account from my credit report. I have made multiple attempts to address this matter with the collection agency and the credit reporting bureaus and have not received any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 USAA began blocking access to my account. I spoke to customer service and they told me they need to know my net worth for 'security purposes. ' USAA was not willing to grant me access to my money or my accounts and have essentially stolen my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Made several in-app game purchases using the credit card. Learned recently that the game was hacked also noticed several duplicate charges on my credit card. Reached out to the game provider and app store and they did not refund me. Requested credit card to dispute all such transactions. They disputed only a fraction of transactions up until XX/XX/2019, whereas the Transactions and duplicate charges go way back to XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with Toyota financial and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with Toyota. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I have owed a debt of around {$2700.00} on what used to be a XXXX XXXX credit card for about a year now. Due to being in the XXXX XXXX, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, Portfolio Recovery Services LLC continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
Account is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: AA

Complaint narrative:
Every 2-3 months for the past two years my TransUnion XXXX score fluctuates by 30-36 points. In the past, I have requested full credit reports, but there is no clear information as to the frequent and large fluctuation. I called TransUnion and the agent said it's because I have no real estate credit -- I've never had real estate credit so this clearly doesn't explain the constant 30-36 point jump from month to month. She also said that it was because the age of my oldest line of credit is too new. My oldest line of credit is more than 15 years old and that account hasn't been close, nor is it reported as closed in my TransUnion account, so this doesn't explain the frequent jump in credit. The only change from month-to-month is credit usage, with is almost always between 0-3 % -- again, doesn't explain the jump. The agent then told me that I need to just order a new credit report because she couldn't explain the factors in my case. She said the company " uses math tools '' to calculate and that why there's a fluctuation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation