vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: LEXISNEXIS
State: UT

Complaint narrative:
I applied for a new phone with XXXX. They came back and said that I had a low credit score and I would have to pay more. I received a letter from XXXX with an explanation. They got their information from Lexis/Nexus. Lexis/Nexis score was XXXX. All other reporting agencies are above 800. I sent Lexis/Nexis a letter asking for documentation. They sent me a letter saying they could not find any information on me ...  even assigned me a case # XXXX. ( XXXX used my name and SS # which they gave to Lexis.Nexis and they were able to give XXXX back a very low score. ) I gave them all the information they needed. No reply. I went online and asked for my credit report from Lexis/Nexis and gave them the information again. Just received a letter asking for the same information again. They assigned me another case number # XXXX. Hence, my request to you. They are simply avoiding the issue. And it is apparent that they do not want to provide me with any information about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX AUTO FINANCE- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : 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 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
XX/XX/2020. I am a United States veteran. Moneygram International withdrew {$600.00} from my bank account ( debit card ). I was given a reference number and an e-mail that the transfer was sent. When the receiver went to get the money they stated they needed my I.D . I went in person to Walmart.  The Walmart agent called Moneygram to verify that myself, the sender, was present with my I.D . along with the receiver. The receiver attempted twice to get the money. The system crashed the first time and the second time was when it was said my I.D . was needed which a Wal-Mart supervisor verified after being questioned by the Moneygram agent. It was hours between the time I did the online transaction and the time the receiver attempted to get the money. So an e-mail could have been sent to alert me of any issues ; yet nothing was sent. Now the transaction got cancelled and I was told I would have to wait 3 to 10 days to get my {$600.00} sent to my account. I was getting the money to help my sick mother with XXXX   problems pay her residential expenses emergently and they put me in a bad situation biasly. I heard much laughter in tge background during the call. Reference number for the transaction at Moneygram is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX breach

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 2020-02-04 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: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : 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 2020-02-04 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: FL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: LEXISNEXIS
State: MO

Complaint narrative:
LexisNexis is reporting a public record that allegedly belongs to me. When I requested my file, I noticed the the reference number was tied to a social security number that was not mine. I asked LexisNexis to verify and they stated that they did. I then requested the method of verification and they sent records of what was in my file but not how it was verified. I sent a letter from the courts stating that LexisNexis had not verified any such public record with them nor started any motions to obtain such records. This public record remains in tact due to a third party verification and I'm not sure what exactly they looked at because when I used the same method they used to " verify '' my search yielded no results for my full name and the last 4 of my social. Providing LexisNexis with the PACER results and a letter from the courts was still not enough to correct the error on my file. The public record still remains, and my consumer rights to request information have been violated continuously by this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have received several bills from XXXX saying I owe {$1700.00} to Capital One Bank. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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:
XXXX account on my EQUIFAX report is not mine. I have contacted EQUIFAX and have not received info that this is mine but it has not been removed. I have not done business with XXXX. They did not have my correct address or phone number. 
XXXX/XXXX. Ac # XXXX date opened XX/XX/2016. Highest balance {$420.00} XXXX XXXX XXXX XXXX. XXXX, mn XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Back in XXXX my debit card went missing. I do not know if someone took it from my backpack, picked it up from the floor, or even if I left it in the machine. I was at the merchant in question ( XXXX XXXX ) shortly prior to the unauthorized use of my card. I immediately locked/blocked the card via the mobile app when I realized it was missing. Then called the bank. These 'people ' ( i use the term loosely ) then denied my claim because the card was present and there were no signs of fraud .... the original agent I filed the claim with did not record the claim/info correctly ... resulting in the claim being denied and my acct being rebillled. I demanded a re-review ; and was advised it would take 45 DAYS .... only to discover today that a 2nd review was never even done, and the agent never even filed the claim correctly to begin with.

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 2020-02-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX  breach

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 2020-02-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the equifax breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX, I filed Chapter XXXX Bankruptcy as part of my divorce. Target Card Services was listed as one of the creditors. At the time I was, and had been, current with this account.

Target Card Services has repeatedly reported me as either late, or has misreported the bankruptcy as " dismissed '' throughout the process. I have called Target multiple times and asked them to correct it. The trustee arranged the payment with Target and they were paid 100 % of the amount owed on the schedule that was mutually established.

I finally spoke with a woman in the Charge Off department on XX/XX/XXXX. It was apparent that she did not know the difference between a Chapter XXXX and a Chapter XXXX bankruptcy and tried to shame me by saying that the account was charged off because I didn't pay my bills. I repeatedly tried to explain what I was told regarding this and the woman kept talking over me and saying that Target doesn't have to follow the same rules as other companies. It was obvious that I wasn't getting anywhere, so I am asking you to intervene to get this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Opened account Bank of America. Promised promotional monies. Never delivered even though requirements were met. Filed previous complaints and never heard a word from Bank of America and yet CFPB keeps closing the complaint. Do you work for them or me? They have done nothing but lie to 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 2020-02-04 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On my XXXX statement I noticed An interest charge of {$1000.00} After checking and trying to make A payment is when I noticed this charge Called and was told my promotion ended And they added the interest without informing me My promotion was 12 months same as cash then interest on the balance going forward I was told by the gentleman I spoke with He didnt care what I was told at the beginning this is how its done He did give me a week to pay off my account This is not what I agreed to I agreed to 12 months same as cash Please help if you can

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 2020-02-04 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: Innovis
State: GA

Complaint narrative:
I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: LEXISNEXIS
State: GA

Complaint narrative:
I have been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have reached out multiple times to my local chase in XXXX IL, and they have failed to solve my problem. I recieved my account number from a teller at my local chase on a business card. When I filed my taxes for XXXX on XX/XX/XXXX I provided the account number that chase had provided me. Well I was supposed to receive my direct deposit for my tax return for the amount of {$1100.00} on XX/XX/XXXX. Well XX/XX/XXXX came and no deposit was made when I contacted my local chase to see what the issue was on XXXX XXXX thus my first complaint. it turned out that the teller person had provided me with the incorrect account number. And the account number provided to me by my local chase was somebody else account and my direct deposit went into this other persons account. After reaching out multiple times and going into my local chase in XXXX IL in person chase has refused to reverse that payment back to the IRS or back to my account. Chase has also allowed somebody else to use of my money!!! Chase has refused multiple times to reverse the payment into my account and accept their fault at giving me the wrong account number. And they have allowed another person to use my hard working money that I earned. I have received a letter from the IRS stating that Chase is fully responsible for fixing there mistake. And reversing the payment to my account. This is not right! And I am extremely dissapointed. You are supposed to trust your bank and trust that they take care of your money. And the fact that they have refused and allowed someone else to steal my money is absured. I have filed a police report and this other person wont be so happy to hear that they are being charged with theft for stealing my money. As well as Jp Morgan Chase wont be happy to hear this is my 3rd complaint and nothing has been resolved and it will be posted on the reviews that they have refused to issue my refund back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
My wages are being garnished, and the docket from the District Court of Maryland shows I am supposed to pay 10 % Interest from XX/XX/XXXX to XX/XX/XXXX and I have been getting charge 10 % interest every month by Glasser and Glasser. I called them to correct this and they told me that the information on the docket from the District Court was incorrect.  I think they are over charging me. They also have not been providing me with monthly statements. Therefore I really have no idea what theyre doing in the statements I do have extremely confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MO

Complaint narrative:
On XX/XX/2020 my SSI was deposited onto my Directr Express Card at XXXX XXXX  at XXXX XXXX  all the cash was withdrawn at a bank ATM in XXXX XXXX Illinois for a total of {$780.00}. Problem is I had the card in my possession in XXXX XXXX   Missouri at my residence at the date and time. I discovewred the theft at XXXX. on XX/XX/2020 and reported the theft immediately to Direct Express. I then faxed a statement to them to help expedite the claim and to get my money back which is federally insured, I was told it would take 10 business days to recieve a free replacement card or I would have to pay {$13.00} for an expedited card which I would recieve in 2 business days which I reluctantkly opted for, since I need my money immediately. Then they told me that the money could take up to 90 days to be reinstated on the new card. I filed a police report with the XXXX  XXXX Police for identity theft and also contacted the XXXX XXXX Ill Police to report the incident. I try calling Direct Express and never get anyone on the phone to find out when my claim will be processed and to give them the police report number. I need my money ASAP and I cant figure out why if this happened at my bank the money would be replaced in a day and I would not be charged for an expedited card either. I am the victim yet they are victyimizing me a second time please help. My direct express claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: FL

Complaint narrative:
Bay Area Credit Service has failed to provide me with any real proof the debt belongs to me. They do not have any signature of mine binding me to any type of contractual agreement to pay them. Further more they have violated the Hippa Law by providing me with diagnosis, procedures and charges via mail that is not pertaining to me. I want this debt closed and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have three different collections concerning a debt by this company and I have no idea who this firm or where this debt is from.

Company response to consumer: Closed with explanation