vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened a Chase Sapphire Reserve card at the end of last year. This month, Chase chose to close my card. This is within their rights, however they refused to pro-rate my yearly fee ( {$520.00} ) according to the months I that actually used the card. When I inquired for further clarification of their stance they again refused and then told me they were refusing to even discuss the matter further, even though I had additional concerns to discuss. 

Nothing in my cardholder agreement authorizes them to charge me for these services under a closed account, nor does this action hold up under general contract law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX   XXXX/XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX, XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only XXXX  deleted these accounts from my credit report. I have followed up with Transunion and XXXX  with follow suit letters with still no response. I am requesting that Transunion and XXXX  follow suit of XXXX and delete the six XXXX XXXX accounts from my credit report. Transunion and XXXX  can confirm by reaching out to XXXX  to confirm this information.

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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Collection agency unwilling to provide written documentation proving ownership on account despite multiple written/certified requests. Notice of collection dated XX/XX/XXXX received. Written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent XX/XX/XXXX. No response received. Collection placed on credit reports on or about XX/XX/XXXX effective dated back to XX/XX/XXXX. Additional written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent certified mail on XX/XX/XXXX. Signed for by XXXX on XX/XX/XXXX at XXXX XXXX. Still no response received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax requested id info for the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.

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 2020-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have multiple accounts with Wells Fargo. When the accounts were opened, we were told that a minimum balance of {$25000.00} in all accounts, combined, would eliminate any monthly service fees on all accounts. 

Since then, one of our accounts has been charged a {$12.00} monthly service charge on multiple occasions. I've called Wells Fargo and they have refunded the charges, with an apology for the inconvenience. After a few months, the charges appear again. I've called them at least 3 or 4 times in the past 5 years that we've had the accounts and they have always refunded the charges. 

I believe, without doubt, that Wells Fargo is engaging in a practice of charging fees on accounts that shouldn't be charged fees, according to agreements they have in place. I believe they are charging the fees and hoping consumers won't notice the fees and therefore, won't request a refund. I shouldn't have to request a refund for charges that repeatedly show on my account, without authorization. I meet the requirements that were set forth by Wells Fargo so they should honor their commitment to waive any monthly service charges.

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 monetary relief
Consumer complaint received 2020-04-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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 {$400.00} XXXX XXXX {$710.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 2020-04-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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 {$400.00} XXXX XXXX {$710.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: AZ

Complaint narrative:
Someone, unknown to me, purchased from XXXX 's XXXX XXXX. In the process of their purchase, my cell phone number was given or was entered incorrectly in XXXX 's system. I have verified with XXXX 's customer service that the account in question is not in my name nor did I cosign for it. XXXX 's turned the account ( with my cell phone number ) to collection via Automated Collection Services , Inc . 
ACSI has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have ACSI stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to XXXX 's XXXX nor ACSI. 
( 2 ) I have requested them to stop contacting me. This has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have a debt collection on my credit report that is not mine. Never had a account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: AZ

Complaint narrative:
I received a letter dated XX/XX/XXXX from a debt company named Capital Accounts stating I owed a debt to XXXX XXXX XXXX based in XXXX, AZ. 
I went the debt collector website to dispute but the website was not legit and did not do anything when I entered my info and the account number they provided. So, I went to the website for the company and the website http XXXX XXXX led to a vulgar website for XXXX girls . 

XXXX : XXXX? XXXX XXXX XXXX - XXXX & XXXX Nature Head Office Year established XXXX Activity ( XXXX ) Offices and Clinics of Chiropractors ( XXXX ) See the XXXX classification No employees ( address ) XXXX Employees No employees XXXX Employees Kompass ID? XXXX Company shows as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I was miss-charged by a company on my XXXX XXXX credit card. The company was taking excessive time ( over a month ) to correct the issue. I filed a dispute claim with XXXX XXXX for a fraudulent charge. XXXX XXXX corrected the matter with the company and I was charged the correct amount ; which was less than 1/3 of what they originally charged. The overcharge caused my credit score to drop by about 30 points because it almost maxed out my card. I informed Experian of the matter, by opening an electronic dispute. Their system says that the dispute is open and closed ( resolved ) at the same time. 

I can not get in contact with them. There is no email ( which they use to have active ) and every number you call doesn't allow you to speak to someone, without paying for the membership service. This is hurting my score and I can not apply for my VA refinance of my mortgage until it is corrected. How can they cut off all methods of communication to them when there are issues with their system and with them? 

Can someone please do something to fix this for everyone, as I know I am not the only one with issues with them.

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 2020-04-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: SC

Complaint narrative:
There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only Equifax deleted these accounts from my credit report. I have followed up with XXXX  and XXXX with follow suit letters with still no response. I am requesting that XXXX and XXXX follow suit of Equifax and delete the six XXXX XXXX accounts from my credit report. XXXX and XXXX can confirm by reaching out to Equifax to confirm this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: SC

Complaint narrative:
There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only XXXX deleted these accounts from my credit report. I have followed up with XXXX and Experian with follow suit letters with still no response. I am requesting that XXXX and Experian follow suit of XXXX and delete the six XXXX XXXX accounts from my credit report. XXXX and Experian can confirm by reaching out to XXXX to confirm this information.

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 2020-04-14 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX, XXXX and XXXX do not reflect the latest information on my mortgage account with Nationstar. All three reflect the last update as of XXXX XXXX.update mortgage account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CT

Complaint narrative:
I contacted both XXXX XXXX & experian on XX/XX/XXXX regarding a XXXX account thats in collections that was fraudulently opened up in XXXX per XXXX XXXX. I stated that I can possible be a victim of identity theft for the 2nd time. I made a report to XXXX XXXX Police dept regarding this account. I would like both credit agencies to delete this account of my credit report immediately. I also called XXXX & spoke to a rep and was told none of my information matched what they had. & was advise to call XXXX XXXX & experian which I did.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I XXXX XXXX have a lost/stolen credit card with American Express Bluebird and I have tried to call them eleven times since XXXX XX/XX/2020, their system hangs up on me every time. When I try to log into my account, the website does not recognize the number and locks me out. I can not cancel my card or close the the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report, this is a violation of my consumer protection rights.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I received an email from Experian titled " Your new Experian Credit Reort and FICO Score are ready. '' When I attempt to login and retrieve it, I am told that I will need to receive a code by phone. There are two problems with the phone number to which a code would be sent : ( 1 ) It is no longer my number. ( 2 ) Even when it was my number, it was a landline and COULD NOT RECEIVE texts. To bypass this step, I need my security question, which I have, and a 4 digit pin, which I do not. When I call customer support, I am offered two options -- get a new password or retrieve my user name. No assistance retrieving pin is offered. There are NO OTHER CHOICES. So if you have a problem not covered by the incomplete list of phone menu choices, you've hit a dead end. No instruction provided on talking to a person or emailing or even mailing. I can not retrieve my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

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 2020-04-14 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: MO

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Someone, unknown to me, purchased from Conn 's Home Plus. In the process of their purchase, my cell phone number was given or was entered incorrectly in Conn 's system. I have verified with Conn 's customer service that the account in question is not in my name nor did I cosign for it. Conn 's turned the account ( with my cell phone number ) to collection via XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have XXXX stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to Conn 's Plus nor XXXX. 
( 2 ) I have requested them to stop contacting me. This has not occurred.

Company response to consumer: Closed with explanation