vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: AL

Complaint narrative:
I have filed multiple disputes with Equifax, XXXX  and XXXX  regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
Equifax has refused to remove all of the accounts listed in this complaint even after I have filed 3 identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A car loan was taken with my information used without permission. An ex partner and I purchased cars on the same day - 1 purchased by them and I purchased my own. It appears that the dealership did something unauthorized and placed my name on paperwork for both vehicles and had me sign all paperwork presented as belonging to the vehicle I was buying that day. I left the room while they signed their paperwork. A loan is showing with us as co-owners, which should not be the case. I have opened a police report and investigation with the company but was told that since we had insurance together that it couldnt be inaccurate. The vehicle was never owned by me and I should never have been listed on the loan. I became aware of the loan having my information when a credit alert for a late payment was sent to me. Throughout the investigation that the company did for my complaint, I requested a copy of loan paperwork 3 separate times but was never provided any of the paperwork. I have been working for nearly 2 years to resolve this issue, since I was made aware of it, with no luck and no fair follow up. The report is inaccurate in that my information should never have been attached to it and no one is helping to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, last time I use my credit card was In XXXX. And in XXXX XX/XX/XXXX I was received a text from the credit card company how is a fraud in my account I was go in my account and I was see XXXX transactions what I didnt made, right away I called the bank and I was let them know is a fraud in my account. I open a claim right away and after XXXX month the bank was mail me how Im responsible for that transactions because was used the chip and they cant do nothing about it. After I was go to the police and I make a police report and I also go to the store from where was make the purchase and I asked the store if they can give me the receipt and at the store I give them the credit card and they was looking in they computer and they said they dont have nothing buy with this card in that days they was let me know the last time this card was used was in XXXX XXXX. The credit card company name is Citi Bank Best Buy and the purchase was made at Best Buy XXXX XXXX in XXXX XX/XX/XXXX the amount of XXXX XXXX and the other one was made at XXXX XXXX station in XXXX XXXX XXXX I XX/XX/XXXX I reopened the case again and I provided the the police report number and I asked the if they can provide me the receipt. I XX/XX/XXXX I called again the credit card company to see way they didnt credit my account back until the dispute or case is done and they was let me know that when I open again the case they closed right away they didnt give me a explication and the credit card company didnt notified no mail no email nothing. Thanks I advance

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 2021-01-23 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: MA

Complaint narrative:
The company XXXX XXXX sent a request to suppress an unauthorized inquiry on my credit report to Experian on XXXX XXXX 2020. That inquiry as of the wrong of this complaint has not been suppressed

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : XXXX ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged partly as deemed by the courts. XXXX ) Liability : XXXX XXXX XXXX - the Defendant consumer reporting agency unsuccessfully argued that, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. XXXX ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal 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 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX  Monthly Payment XXXX Original Balance XXXX  Highest Balance XXXX Months Terms XX/XX/XXXX On Record UntiXXXX XXXX On Record Until XXXX Balance Updated XX/XX/XXXX XXXX 
They have called and said it will be on my credit report until it is paid and also they have said this is a debit from 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 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was not paid XXXX credit by my insurance company, XXXX, as promised. 
XXXX was sent to my bank after my account closure so it had bounced back to XXXX. 

I refused to pay them their last bill of XXXX because they would not pay my credit due of XXXX. 

They ignored my requests to pay me my promised XXXX for more than 5 months & finally added a XXXX fee & referred my account to Credit Collection Services. 
I called XXXX XXXX XXXX XXXX XXXX XXXX & talked to them twice, once with a lady name XXXX XXXX and second time with a gentleman name XXXX XXXX, both have promised they will contact XXXX XXXX XXXX the XXXX XXXX XXXX fee, so I would owe only XXXX but none of them have done so. 

My file at XXXX is XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have a Citizens Access savings account. 
On XX/XX/2021, I electronically transferred approximately XXXX from this account to my business account at XXXX XXXX XXXX. The transfer was supposed to happen within 2-3 business days. As of XX/XX/2021, the transfer was not completed, although my Citizens account reflected the withdrawal. I contacted Citizens Access and was told that it would be investigated and that someone would call me the following day. As of late evening on XX/XX/2021, I had not received a follow-up phone call. I contacted Citizens Access again this evening. After an additional 45 minute phone call, Citizens Access was completely unable to tell me where my money was. They confirmed it had been withdrawn from my account, but they werent sure where it went. All account information was confirmed. I am not sure how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
My Discover Credit Card is for emergency purposes. My account was closed for inactivity without any warning. They emailed me to tell me my account was closed, a simple email to say it would be closing for inactivity would have been appropriate. They refuse to reopen my account. During these trying times with Covid, They should not have closed my account because I was never late with a payment and the card was paid off. Closing my account will affect my credit score. Having to reapply will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
On XX/XX/2021, I filled out information on XXXX XXXX XXXX XXXX XXXX as I was interested in getting rates from different companies for a home refinance. 

One of the companies I was connected with was AmeriSave Mortgage Corporation. XXXX XXXX, Loan Originator NMLS ID # XXXX called me ( I actually was called by a XXXX, who confirmed I was interested in mortgage information, who then transferred me to XXXX XXXX to go over interest rates and options on a mortgage refinance. 

XXXX XXXX XXXX asked me what I thought were standard questions which would gather information related to a refinance. At no time did XXXX XXXX XXXX ask my permission to run my credit. At no time did XXXX XXXX XXXX indicate he was creating a loan application for me. After we had discussed different loan products and interest rates, I asked XXXX XXXX XXXX if he could send me the information on the loans we discussed. He said that I just needed to log into the website as all the information would be there. He directed me to Amerisave.com, instructed me over the phone to create a password. Once I did so, thinking it was merely to view the projections we discussed, I was prompted to accept the " Electronic Consent. ''  It was at this time I began to question XXXX XXXX XXXX because according to what I was reading, it appeared I had already applied for a loan. This was not the case at all. XXXX XXXX XXXX  assured me several times that I needed to " accept '' these terms just to view the projections. When I continued to question him and said that the terms gave me the impression that I had already applied for the loan, he became frustrated with me and said something along the lines of clearly, I didn't know how refinancing a loan worked and that " any time you talk to a loan officer you are applying for a loan. '' I told XXXX XXXX XXXX  that I did not feel comfortable proceeding and attempted to politely end the call. He tried to keep me on the line and push me to continue at which time I told him I felt like he was pushy and misleading and that I was done dealing with him. I thanked him for his time and ended the call. 

Now I have emails and an account which indeed confirm that a loan was applied for without my consent. I just do not want this to happen with any other consumers who may not be versed in the process of refinancing a mortgage loan. I would like to see that XXXX XXXX XXXX not engage in this behavior with any other customers. I can only imagine how many people he has fast talked his way through this with. I was advised the call was recorded, so AmeriSave should have a record of the conversation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I have filed multiple disputes with XXXX, XXXX and XXXX regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
XXXX  has refused to remove all of the accounts listed in this complaint even after I have filed XXXX identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft 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 2021-01-23 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: AL

Complaint narrative:
I have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after XXXX rounds of disputes. Equifax refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. XXXX XXXX has also been informed. This bill has been previously disputed when it was being reported by a different creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XXXX, I called the American Express Delta Skymiles automated phone service to determine how much I owed so I could pay off my account, which I had deactivated some time ago until I could finalize my balance. I was told my balance was XXXX I immediately made the payment for that amount through my account at XXXX XXXX XXXX  on XX/XX/XXXX. In my mind, I had paid off the account. Then, I get the attached bill for XXXX. I called American Express to complain, ultimately speaking with a supervisor named XXXX on XX/XX/XXXX. He explained the " trailing interest '' concept, which I find blatantly unfair if the bill has been paid in full. Shouldn't the balance I was quoted have incorporated any accumulated interest still owed? I really think consumer agencies should take a long, hard look at this concept as it relates to final payment true-up for a billed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please remove inaccurate reporting in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
My son has a loan with ONE MAIN FINANCIAL LLC, I believe that he has problems with payment or so, I do not know specific information, but here 's the complaint : Beginning of the first days of XX/XX/2021, myself, my wife, my mother, my step-father, my brother, my sister, and my brother in law started to receive several calls from the debt collector from the ONE MAIN FINANCIAL, when called they identify as XXXX XXXX a courier company looking for my son to give him very important documentation. In most of the calls, when we answer, we let them know that we will take the information supplied from them and try to transfer it to my son. They again call us and again some of us let them know to want they stop to call us, but they let us know they will remain to call us up to my son pay the money owed to them. Today XX/XX/2021, I received a call from MR. XXXX XXXX from the same company XXXX XXXX, when I asked him not to call me again, he just stated that I have no teaching my son to be responsible, that if I did not do that they will do, and again reaffirm to me that they will continue calling every one of us and they will stop when my son pay the money. I feel my family is being threatened. 
Finally, when I ask my son about this, he told me they had filed a lawsuit in court and that he is working on it, I ask then to stop calling me and my family, reserving our right to take legal actions if they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance I got a vehicle from XXXX XXXX I was only allowed to get this one vehicle I had a car through them and it got totaled gap insurance said I had to go through XXXX XXXX If I wanted to get a car not sure how true that is I was desperate needed a car so I got the XXXX I had to put a lot down on it then they send me a letter saying I have to pay the XXXX that they couldnt get from gap insurance I told them I wasnt paying it its already been 4 months so they said they would take me to court for the money I told credit acceptance to come get the vehicle it was broke down and I was able to drive it for a couple months after I got it they just came and got it after me telling them 7 months ago to come get it they sent me a letter saying they took it to auction I said how much will I have to pay she said we didnt take it do you want the car back I said if I wanted the car I would of kept it she said well do you know someone who wants to take over the payments no maam I dont she said well you have to pay us XXXX what why do I have to pay that and you guys sold me a lemon she said take that up with XXXX XXXX we just did the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: HI

Complaint narrative:
On XXXX XXXX, 2021, the day I received my XXXX. Ive been trying to activate my XXXX from my current CELL phone. I do not have a landline as I did in the past. So, I asked my neighbor for help. He used his landline to call this number : XXXX. The automated recording says, It do not recognize my number. 
So, I tried calling from my CELL number & received the same automated answer of not recognizing my number. I do not have access to a computer or Own a XXXX. 
My neighbor used his XXXX  to go online & create an account for me. Following their website steps to create an account. 
I was able to create a ID, PW, input the card number & etc, created my Two Security Questions/Answers. My correct name & address did pop up ... When I got to the final step, I keep on getting this message ( err : sever error ). I have attempted to see what the issue might have been. Without success on my uncountable attempts!!! 
To begin with, their system is POORLY designed! The caller SHOULD be able to REACH A PERSON! IF NOT? Then the automated system should ALLOW OTHER OPTIONS : ( Ex : ask for DOB, Last 4 numbers of SS, updated address, or phone number in order to recognize the legitimate person that received this card instead of using only ONE security option, which is the device someone is calling from! ) It have been EXHAUSTING for me & such a WASTE of MY VALUABLE TIME to resolve this issue!!! 
Im NOT a complainer, however, I feel this situation have been a VALID reason to make a complaint about! Not only for the sake of myself, I feel I will be helping others as well!

Company response to consumer: Closed with explanation