vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have send 2 letters with attached requested documents for my identity to Transunion. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.

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 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: AZ

Complaint narrative:
Williams & Fudge ( located in Virginia ) repeatedly called and harassed me after I asked to stop and hung up several times. This was all for a bill for my XXXX  school that was already paid for. They called me from a number that was disguised as my work office, or they called my work and had it transferred to me. I just checked my credit score, and it dropped 25 points from claims against my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Checked Equifax credit report via XXXX on XX/XX/XXXX, which contained inaccurate personal address information. I used the Equifax online dispute function, which strangely did not allow completion of the dispute online, but rather insisted that I provide multiple ( 3 ) documents to prove my identity, by FAXING or MAILING, within 24 hours ... just to remove an erroneous address from my credit file. I collected the required documentation and attempted to fax the dispute form and identifying documents to Equifax on XX/XX/XXXX ( same day, well within 24 hours ). The fax number provided by Equifax ( XXXX ) reported on 2 different fax systems as " not in service. '' Yes, I can send the multiple documents Equifax insists I provide by postal mail. However, Equifax has made this process too ridiculous and ineffectual. If Equifax requires me to fax 3 different documents to prove my identity then Equifax should certainly should make sure the fax number listed on their dispute form is IN SERVICE. Instead, Equifax appears to be levying too many requirements on the dispute submission process, and then failing to provide a workable online or fax mode for submitting a dispute, all in an attempt to discourage consumers from legitimate efforts to correct their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.

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 2019-02-19 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: NY

Complaint narrative:
I have reported an account that I am not mine, that I never open. or may have been open under my name without my permission. They reported as accurate but I am willing to provide proof that I do not make payments or charges under this account. I believe it is unfairly affecting 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 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX & Potfolio Recovery ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX regarding a late payment that was reported by XXXX. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both Equifax and XXXX failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by XXXX to the CFPB on XX/XX/XXXX, XXXX clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my Equifax report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How XXXX XXXX chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo calls me from different spoof numbers and from their main number. They call back to back repeatedly throughout the day. They first started to call back in XX/XX/2018. I have screenshots of the harrasing phone calls. They harass me, won't speak when I answer, hangs up on me and won't stop calling my phone. It has gotten to a point where I had to block their number but it will still show me when they would call. They call from their spoof number XXXX & also from XXXX. They have called me so many times that I would literally be writing for hours.

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 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have sent several letters to inquire a refund for the illegal insurance charged to my escrow account. Rush more Loan Management Services, LLC charged my escrow account for insurance in the amount of my loan which is illegal. Insurance should be placed for replacement costs value. My Condo has had insurance all the time ( See Attachments ). This insurance is specific for the building and my unit number. It covers bare walls. Rushmore is inquiring  about the insurance on the contents of my condo which is in a replacement cost value about {$7000.00}. They charged me 9 months of insurance on XX/XX/2018 for prior months. They haven't been specific about the coverage they were asking for. In their letters, no unit number was entered. My condo has had insurance which I paid and still pay so a refund needs to be applied. It is illegal to charge for insurance in the loan amount and get worse when the condo has been insured and the coverage they were asking for was very specific and not a lot in value

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Turning Point Solutions LLC
State: GA

Complaint narrative:
Today ( XX/XX/XXXX ) I received 2 calls back to back at XXXX and XXXX from XXXX and XXXX from XXXX XXXX from XXXX XXXX XXXX XXXX regarding a debt with XXXX Mastercard. I informed her that I NEVER received a written letter to my address stating there was an attempt to collect a debt. Mrs. XXXX informed that their company was going green and they did not send letters out which I thought was odd. I told them due to hardship and extreme in income I did not have it but she still tried to get a payment or an agreement setup bringing up my tax return and etc. They attempted to be subtly threatening stating my account would go to the " next level '', but she could not elaborate what the " next level '' was. Her call back number was XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: NH

Complaint narrative:
Transunion lowered my credit score from XXXX to XXXX, a total of 76 points overnight on XX/XX/2019 for no reason. When I discovered this on the XXXX XXXX site it stated the reason for this was because I paid on 4 different credit cards, which lowered my credit card balances. If this is not corrected by Transunion as soon as possible, my FHA loan will get denied, as I am currently in the process of getting a mortgage loan for my family which includes XXXX XXXX children. Please help 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 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've had my American Express platinum card for about 9 years now, and have always had about {$10000.00} in spending power and i called in sometime last year to increase this limit which i was approved for in the amount of {$20000.00}. In recent months I've needed to spend more for business expenses, between {$3000.00} to {$6000.00} and I received a email stating that im reaching my limit/over spending and i thought that was strange becuase i've never gotten that before and my limit should be {$20000.00}. I recently tried to make a charge for the amount of {$800.00}, and my current balance is at {$900.00}, and the charge was declined and when i called customer support to see why, they said my spending power is only {$2000.00}! And for some reason now there is no history of my approved request of {$20000.00}. Even if a decrease was made by them, i have gotten no notice what so ever about this and has become the most inconveniencing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I bought 2 Economy Class XXXX XXXX Tickets from XXXX XXXX to XXXX XXXX and back for {$4300.00} from XXXX XXXX XXXX XXXX online travel agent. 
( COPY OF TICKET ATTACHED ). 

On XX/XX/XXXX, XXXX the same XXXX XXXX XXXX  sold me an upgrade for the same 2 ECONOMY tickets to PREMIUM ECONOMY for an ADDITIONAL {$1600.00}. ( COPY OF TICKET ATTACHED ). THESE UPGRADED tickets that were sold to me were VOID as XXXXXXXX XXXX has NO PREMIUM CLASS. I only discovered this on XX/XX/XXXX upon taking the first flight on this journey from XXXX. We were seated in ECONOMY CLASS for all 4 flights of this journey and we had bulkhead tickets, which are the worst Economy Class tickets on the plane with no leg room ( we are both tall! ). 

Immediately upon my return to the USA, I called this travel agent and asked for a refund, but this was without any success. I then took immediate steps to address in XX/XX/XXXX by reporting this to American Express and advised them that the goods and services were not received at all. 
To date I have not received a refund. American Express refused to assist me and advised me that I was late in filing a dispute, which is completely wrong since I filed the dispute the moment I was back from my trip and had addressed the travel agent. 
The " PREMIUM CLASS '' UPGRADE tickets are attached- dated XX/XX/XXXX ( for XX/XX/XXXX trip ) The first ( original ) tickets are also attached- dated XX/XX/XXXX The AIRLINE INFORMATION SHOWING NO PREMIUM CLASS is available on XXXX XXXXs is also attached.

PHOTOS of our ECONOMY CLASS BULKHEAD SEATS are attached to show that we never sat in Premium Economy and did not receive the service/seat that we paid for. 

We should not be charged for goods/services never received or that do not exist and ask for a REFUND of {$1600.00}. American Express is responsible to protect the consumer against false/scam sales or sales of goods/services that are never received. In this case, we were sold something that doesn't even exist!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: OH

Complaint narrative:
I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal 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 2019-02-19 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: OH

Complaint narrative:
I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal 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 non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to XXXX XXXX  and that I would be served, sued, and even possible jail time in the next two days. She also mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with XXXX XXXX  in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for Ocwen? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation