vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Tried to cash a paper payroll check on Saturday XX/XX/XXXX the teller told me account was to new and could not cash it, when I got home from work I deposited it via the mobil app. As of today XX/XX/XXXX there is still a hold on my check. I have called boa several times and they are saying the reason is due to the check being a risk. I have contacted the employer ( owner ) who gave me this payroll check and he has told me and sent pictures stating that this check has cleared his account already and my bank has been paid. Due to this I had wrote a check for my rent prior believing the Money would be available. Now it's still not available I received a XXXX  insufficient funds fee and my landlord is charging me late fees. I do not have this money so I have to move out.

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 2019-08-09 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: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX 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 2019-08-09 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: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX  XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX,  XXXX 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 2019-08-09 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: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI 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 non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
The following inquiries were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX 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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX  XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX CARD

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 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a letter from IC systems stating that they are collecting money from me, on behalf of XXXX. I do not owe IC SYSTEMS any money. I do not know who they are, and I Have never had XXXX as a phone carrier. I have had the same cell phone company, which is XXXX wireless for over 10 years. I have also had the same cell phone number for over 10 years. There is no way I owe XXXX any money. I sent a letter to IC Systems asking them to provide me with validation of the debt they are claiming I owe. I received a letter from XXXX XXXX stating they have no record of my account and I need to send them more information. I will not send them any of my personal information. They initially claimed that i owe XXXX. This is a scamming company trying to steal my information, and I immediately request for them not to report anything negative to the credit bureaus. They have not provided me with validation, and they are attempting defamation of my credit character. This company needs to completely remove me from their system. I dont owe them or XXXX any money!! I want to cease collection on this false debt immediately!

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Via phone calls requested proof secondary insurance was billed. Also requested proof they billed in the mandatory time frame. The refused. 
XXXX verbally stated via phone calls they have no record this claim was received to cover any/all of this balance after the portion paid by Primary insurance, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This Home Depot credit card account as a authorized user was removed from my credit report. But the hard inquiry from ( CBNA ) Home Depot was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my XXXX  credit report, to be removed as well. Just as the account was removed by Home Depot credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This XXXX XXXX credit card account as a authorized user was removed from my credit report. But the hard inquiry from XXXX XXXX XXXX XXXX XXXX was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my Equifax credit report, to be removed as well. Just as the account was removed by XXXX XXXX credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
my mortgage was transferred to a new servicer but i have no knowledge of who to send payments to, i do not want to get behind because it is hard to catch back seeing as ive changed jobs and dont make the amount i used to make Thanks XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: NY

Complaint narrative:
XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus reporting the account as failed to pay. 

Ive included a copy of the Experian credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

Experian previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, 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 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
My American Express reward points ( Membership Rewards ) have been frozen for several months pending a " review '' by AMEX. 

I want AMEX to complete the review immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 


Whenever I contact AMEX about the issue, their agent say my Membership Rewards account is under review and it will take 6 to 8 weeks for the review to be completed. However the 6 to 8 weeks period has passed and I keep getting told by agents to wait more weeks with no explanation about the delay or a clear timeline. Agents seem to he unempowered to do anything about the issue and unable to put me into direct contact with the actual team doing the review. 

Again, the resolution I'm looking for is I want AMEX to complete the " review '' immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 

If the AMEX team reviewing my complaint is not empowered to directly resolve my issue, please escalate or transfer this complaint to the team responsible with completing the Membership Rewards account reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX. XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 All these inquiries on equifax report which are from identity fraud nwithwr companybor bureau will not remove them whenbi did not do these no id or my signature to approve this Attaches is mm y identity theft to cpfb on the companies which have no address or anything to contact them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I was the victim of identity theft where someone opened up an account with two wireless cell phone companies ( XXXX XXXX XXXX & XXXX ). I contacted the wireless companies & provided documentation to prove who I am and that I was not the person who opened the accounts. XXXX XXXX XXXX investigated & determined that the account was fraudulent and that I was not responsible for the bill. On XX/XX/2019, XXXX XXXX XXXX notified the debt collection agency, Sunrise Credit Services, that the debt was not mine and that it occurred as a result of identity theft. On XX/XX/2019, I was notified by my credit monitoring account with XXXX and XXXX XXXX, that the debt collection agency put the account on my credit report anyway, which lowered my credit score by 20 points! I contacted the debt collection agency on XX/XX/19 and spoke to the Asst. Mgr, Mr. XXXX XXXX, who informed me that it was placed on there by accident. Mr. XXXX was very rude and when I asked him how they were going to take care of this, he was unable to provide me with an answer and that he doesn't know how long it would take for the agency to inform the credit bureau about their mistake. When I asked him why he doesn't know, he could not provide me with an answer and stated, " I mean what I say '', when stating that this was an attempt to collect a debt. I am preparing myself to buy a home and this will negatively impact this.

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 2019-08-09 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
wed the XX/XX/XXXXi go to use my card the chip clearly is not working as 2 stores cant get it thru wasting my time. this is card ending XXXX i get rid of card and after waiting on hold way too long order a new one.i then notice online its not showing i called today just now this is MY TIME. all this due to bank problems as this was not my first card with chip issues. i call today and XXXX spent time looking at my XXXX XXXX  card not my XXXX. as i requested and entered into the ssytem i want a new account i want not to waste my time this fiasco has wasted my time please check i have a new card and its expedited and no more chip issues sorry to use this system but my time matters even if the bank does not agree or care no calls please just reissue my card without costing me more time and XXXX due to your problems. you want your money every month but dont see my time as valuable as such i will use this card minimally due to time its cost me and lack of trust

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