vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
BRIDGECREST XX/XX/XXXX XX/XX/XXXX or the XX/XX/XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me BRIDGECREST let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so BRIDGECREST handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got lock up with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
My information is being used by someone else to get unsecured credit loans and cars and it is devastating my financial life.

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 2020-02-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration  : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : 02/2014 Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate

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 2020-02-18 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 pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED 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 2020-02-18 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 pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED 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 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I logged into my USAA Checking account this past Sunday and saw a {$900.00} transaction through XXXX sent to someone named XXXX XXXX. I checked with my husband, the only other person on the account, and he did not authorize this. I reported it as fraudulent to USAA and USAA said that they had security logs to show it was not fraudulent. Neither my husband nor I know anyone by this name, and neither of us authorized {$900.00} to be sent to them. Anyone that would be able to get access to my USAA account would also have access to my email account since I log onto both accounts at work and at home from the same devices. If one account is compromised, then both accounts would be since they are linked. Since XXXX is a platform supported and provided by my bank for use, why should I be out the money that was taken from my by their program without my authorization?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Re XXXX XXXX XXXX ( " MCM '' ). 

In late XXXX, one of my credit cards owned by Synchrony Financial was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with Synchrony, which reversed all charges, and also investigated the claim for me. My account with Synchrony is current and has been at all times since that event.

18 months later, XXXX  began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed Synchrony this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, XXXX agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, XXXX filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) XXXX is acting fraudulently, or with gross negligence, with respect to the claim for which XXXX  is wrongly attacking me, and, in doing so, XXXX is using what I believe to be illegal, and without question reprehensible, tactics. XXXX needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent 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 explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: NV

Complaint narrative:
I was denied employment last month because of wrongful info reported by Checkr background investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: AR

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
My information is being used by someone else to get unsecured credit loans and cars and it is devastating my financial life.

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 2020-02-18 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: FL

Complaint narrative:
My information is being used by someone else to get unsecured credit loans and cars and it is devastating my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I submitted a mobile deposit through Fifth Third Bank on XX/XX/2020, and it is being withheld from being deposited until XX/XX/2020. This mobile deposit is a payroll check from my job! I need my money NOW to pay my bills I am behind on. It should not take 12 days to verify and deposit my payroll check, thats ridiculous! When I called Fifth Thirds customer service, they were very rude, the supervisor even said she would not help me, and there was nothing she could do. Wouldnt even try to release my check to were I could cash it somewhere else, this was even after I advised her, I am about to have my car REPOED if I dont pay my loan as soon as possible, my bill is due XX/XX/2020, and Im already behind from being on bedrest for two months!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX 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 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
XX/XX/2020 I received a letter, from Gordon Aylworth & Tami P.C saying I owed XXXX XXXX  XXXX. I calleXXXX XXXX XXXX to verify any accounts with them because I have not worked with XXXX XXXX for any accts, loans, cards etc whatsoever. The letter wasn't certified so it was a red flag. I called XXXX XXXX  customer care line and they transferred me to the fraud department, there was no accts, listed so he transferred me to the collections department to see if there was any collection accounts in my name. Nothing came up. He then asked me who was the collection agency that sent the letter, I told him and the XXXX XXXX personnel said that Gordon, Aylworth and Tami PC are not even an agency they work with to collect debt. I also requested my credit report from all credit bureaus and nothing under XXXX XXXX OR Gordon is comes up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: HI

Complaint narrative:
I had not used my XXXX credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had zeroed. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that XXXX had reported that I made a late payment so my application was declined. 
Multiple attempts with XXXX to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX   XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}

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 2020-02-18 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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}

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 2020-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
we purchased a loan on XX/XX/2013 we were told by the loan officer from chase that are mip mortgage insurance premiums we tried to pay upfront before we signed the contract and they tell us would be off after 5 years and that our mortgage would be {$300.00} dollars less and the loan officer told us that don't worry that everything would be handled you will see the mortgage insurance disappear., but know we were bought out by another lender XXXX we ask the customer service rep about why the mortgage insurance premium didn't disappear, they looked at the original loan agreement and told us it was 30 years for the mortgage insurance, my wife and I are truly upset because we were taking advantage of cause we feel like we were lied to from the loan representative from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX - Sent letters to XXXX, Equifax, and XXXX  disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, Equifax, and XXXX   responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, Equifax, and XXXX. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, XXXX  has the dispute currently under review, and Equifax has not responded to my method of verification request.

Company response to consumer: Closed with explanation