vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-29 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-29 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: Conn's, Inc.
State: LA

Complaint narrative:
On or around XX/XX/XXXX, I received a letter from Conns concerning my current account with them. The letter advised that my credit line has increased {$1000.00} due to my good payment history on my account. Two days later my window AC unit went out, so I decided to go into my local Conns XXXX XXXX located on XXXX XXXX in XXXX XXXX to add a {$500.00} unit to my current account with Conns. I did not think that it would be an issue since I was just sent a letter that increased my credit line. But, this turned out to not be the case. The sales rep asked for my SSN and I assumed that it was to pull up my current account which she did. She advised that she did not see the additional $ XXXX and would need to contact the Credit company to see why. She asked me to wait, when she returned about 5-10 minutes later, I was advised that she ran my credit and Conns was unable to extend credit to me. I did not understand considering I was sent a letter increasing the line on my current account. I never gave permission for Conns to run a new hard inquiry on my credit but they ran one anyway without even advising they were doing so. When I asked about the letter I received, the rep did advise that she sees where they sent me the letter but it did not mean anything and Conns sends these letters out to get the customer to come into the store so that they can run their credit. I was appalled and have made a complaint with the XXXX  in which Conns refuses to acknowledge that they ran my credit without permission and just keep providing paperwork I signed in XX/XX/XXXX for my current open account as proof. Conns refuses to do anything to correct the inquiry on my credit report or even take credit for the letter that they used to lure me into the store with false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: FL

Complaint narrative:
The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX XXXX and Transunion.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Convergent Resources, Inc.
State: UT

Complaint narrative:
Convergent Outsourcing is reporting a debt on my credit file that I do not owe. I have talked to my Attorney General and am aware that this debt is past the statute of limitations in Utah. Not only that, this debt is past the credit reporting limit and must be removed. You are in violation of my rights under the FCRA and the FDCPA so this debt must be removed. If not, I will have no alternative than to exercise whatever rights and remedies we have under the laws not excluding pursuing legal suit against Convergent.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: DE

Complaint narrative:
I have been charged with owing money because someone used a credit card issued at XXXX XXXX through XXXX in the amount of more than {$3400.00}. This was from 2017. I have not had an account with XXXX since the XXXX and have never had an account with XXXX XXXX. I have contacted XXXX and XXXX XXXX, and both have no information about me, but the debt remains on my record. Neither XXXX XXXX nor XXXX is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through XXXX has asked me to file this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems refuses to send me the information that I have requested to verify that they have the right to collect a debt on behalf of the XXXX at XXXX XXXX, the original creditor. 

They sent me an invoice that was generated but has no signature from the original creditor nor a signature from me. They also won't send me any information on their agreement with the original creditor to collect the debt on their behalf. 

I do not owe this debt. I do not remember owing this amount and I remember having paid the full amount upon moving out years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Turn on transferred {$5000.00} to chase to open a bank account and as soon as the money hit the account and they closed it and I did everything that they asked to prove to them who I was because it was one covid it just hit and they suspended the funds after I called complaining that they were making money off of the money that they should have already sent me a new check needless to say they still tell me I'm not who I say I am and then I'm not getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
my name is XXXX XXXX, my ssn is XXXX I have applied a Oportun online credit card on XX/XX/2021. Someone hacked my online credit card account and use others bank account paid for my autopay balance on XX/XX/2021. And then change back to my original boa XXXX autopay setup. 

facts : I setup my autopay of my XXXX XXXX  XXXX saving account for the balance on due date. when i log in yesterday of online credit card, the first autopay of {$250.00} is succeed shows on autopayment list. But the autopay account which i setup before which is XXXX XXXXXXXX XXXX saving account ending XXXX does NOT have this payment deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.

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 2021-06-29 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: GA

Complaint narrative:
I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.

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 2021-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, are not mine Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAP ONE Account Number : XXXX This is not mine. 
dentity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I signed up for a CITI credit card in XXXX and still have the card active now in XXXX. At the beginning of the year I was given a spending summary that showed my spending habits, where I noticed an " other '' option, with a substantial amount of charges all towards the same thing " payment safeguard ''. I had seen this on my bill in the past, but always assumed it was a standard credit card fee. 

After doing some research, I found out this is an optional fee, and that CITI had lost a lawsuit against them in XXXX for misleading customers and signing people up for this " service '' without them knowing. I called CITI and was directed to talk to payment safeguard. The woman I spoke with was very nice, I explained the situation, she said she would cancel it for me and even mentioned reimbursement for the fees I had unknowingly acquired over the years. She said I would hear back from CITI. Weeks passed, and I heard nothing, I called again, was told to wait a few days. Weeks passed, and I heard nothing. I called again, talked online, was transferred here and there, at one point was told there was a pending refund on my account and to wait ... ..essentially I was given the runaround. 

My initial call took place in XX/XX/XXXX. In XXXX, I received a letter stating that my account had been open for too long so I would not be receiving any reimbursement. Once again I called CITI, got the runaround, was told it was Payment Safeguard I needed to speak with, that it was being investigated, etc. etc. I opened a case with the XXXX. Today, I received a call from a " citi executive '' stating they would be declining my request. I asked if she could confirm I ever signed up for the service, she could not. I asked how it was acceptable to charge people for something they did not sign up for, and she essentially told me that was my responsibility to dispute it. 

I mentioned that is what I was/am doing, seeing how I never signed up for the service and just recently found out that it was not a standard fee. She said she understood my frustration but would not be issuing any reimbursement. I mentioned the lawsuit and how it was terrible business practice to mislead loyal customers, customers who have used their services for over 16 years, she said she is sorry I feel that way and quickly got off the phone.

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 2021-06-29 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: CL Holdings LLC
State: UT

Complaint narrative:
Jefferson Capital Systems is reporting a debt on my file that I do not owe. I recently took a look at my file and noticed this debt is still reporting. This debt is past the statute of limitations in the state of Utah and past the credit reporting limit. I ask that they please remove the account from my file or I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was called by a debt collector trying to obtain a debt and a lady threatened me saying if I didnt pay then the debt I owe would report to the credit bureaus when I notified them that it was an inconvenient time to call me, that it was my place of work and to stop calling this number. The number I told them to stop calling was the Principal at the place I work. Theyve also called the Front Receptionist, Registrar Office, Attendance Office, and Principal Secretary. They kept calling my place of work and now my co-workers know a debt collector is trying to reach me.

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 2021-06-29 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX Account number XXXX Date opened - XX/XX/2020 Balance - {$8400.00} never open this account, this account is fraud.

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 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
On XXXX I started payment for a automobile motor from XXXX XXXX XXXX using my USAA debit card ending in XXXX. The amount was for XXXX. I later finished payment for this motor on XXXX for a total of XXXX with me USAA credit card ending in XXXX. I have never received this motor and I have never received a refund for my purchase. I no longer wish to be a consumer in America until this matter is solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.

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