vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 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:
Between XX/XX/XXXX and XX/XX/XXXX XXXX my credit was checked 11 TIMES without my permission and authorization. These inquiries were done fraudulently. Please remove. 


XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
Over 6 years ago, I employed the XXXX XXXX XXXX XXXX XXXX to help me with a XXXX case. Their firm helped me for several months, and my bills were paid up to date. We reached a point in the process where the attorney said, in order to continue with the case, I would have to pay another {$3100.00} on top of what I already paid them. The case was dropped, shortly thereafter, and no more legal services were rendered. So this bill for {$3100.00} was not paid, because additional legal services were not needed. Somehow, this balance got sent to this collection agency as an unpaid bill, but it was a mistake. I do not owe the law firm an additional {$3100.00}. We paid them for the services they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Copy of letter sent to company. The first letter I cancelled account. 


Dear American Express Agents : Acct ID : ... ... ... ... ... ... XXXX XXXX : Acct # ... ... .. 
I recently received correspondence from your company. It was very stressing and frustrating to receive such a letter dated XX/XX/19. 
I am afraid there is some confusion on your side. I would urge you to have a qualified individual review my case. 

For you information, I cancelled this credit card months ago since I had no need for it anymore, am using other accounts more frequently and to save an annual fee ( continue to charge me $ XXXXlate fees ) .. 

In my last use of the AE card, I received a credit from the XXXX merchant for {$44.00}. Part of it paid an automatic payment that wasnt correct. But its okay, I received credit from with the XXXX XXXX  merchant. 

Although, the credit did pay for that automatic payment to XXXX XXXX 
That would leave a credit to me for {$21.00} on the AE account. This means you owe me a refund of same. Instead you have chosen the opposite and decided to keep the funds. I consider that theft. 

I had received a letter of cancellation from you. Why would you continue charging me unjustifiable? Why do you want to damage my reputation? 
Dont feel rejected because I will not be doing profitable business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I reached to XXXX XXXX XXXXXXXX, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with First Source of this card it is still being negatively reflected on my credit report with XXXX  XXXX XXXX. Attached is a copy of the debt on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is specific to US Bank in XXXX WA XXXX XXXX XXXX XXXX and directed at not providing deposit slips to customers. On XX/XX/2019 I went to this branch to deposit money from another personal account I have. There were no deposit slips so I asked did you know you were out. I was told by the banker we do not use these any more. Since we do not have access to copies of the deposits made I asked if this process was going to allow that. The manager told me know. I said I will not deposit without a deposit slip so I can confirm where the deposit came from. I document on the deposit slip where it comes from and type of deposit, which at times the back office has redacted so it does not show on the slip when viewed on line. I was allowed to use a slip by the teller as she had some left. But then later that day I received another check that I deposited at another branch in XXXX XXXX WA where deposit slips were available. When I got to the teller I mentioned I was surprised as I had just been informed the XXXX branch was no longer using deposit slips. He looked at me in amazement as he could not believe what he was hearing. Something is very wrong when a bank does not want you to use deposit slips and demonstrate what where and how the transaction was completed. My address was changed by an employee also without my or the other account holder on the account. Address was bogus.

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 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was told that I had 30 days to return my Cell phone that I purchased from XXXX XXXX XXXX. I work remotely, and shortly after purchasing the phone I realized I do not have XXXX XXXX XXXX service in my home. The signal was so terrible that I had to go in my backyard to have business meetings. I called XXXX XXXX XXXX and told them about the problem. They informed me since it was not an issue that they could fix ; that they would cancel my contract and send me a prepaid label to return the equipment. I did not think there was any problem until several months later when I received a collection bill for the full price of the phone THAT I NO LONGER HAD in my possession. So I feel robbed by this company. Not only did they take a brand new {$1000.00} cell phone back from me, they are also billing me for the equipment. I have contacted them several times and was told that I was over the 14 day return policy by a few days when I returned the equipment. I was not told this when the representative agreed to mail me the return label. If I was going to be held responsible for the bill, I should at least have the phone that I could resale to someone who can use the XXXX XXXX XXXX XXXX to cut my costs. However, this was never a thought as the company agreed to cancel the contract, and they accepted the phone back with the prepaid label provided. I feel this is fraud for them to accept a new phone back, that they get to make a profit on again and charge me as the consumer the {$1000.00} for a phone I don't even have. I have the text chat from my 3rd call to the company, and the return policy that shows online that there is a 30 day cancellation policy. I told the the representative what was posted online, and they just told me the information was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TN

Complaint narrative:
I am having an issue with Equifax where it has merged my account with someone else in error. All of their bad debt is showing up on my account. There are about 8 items that are not mine. I was even contacted by the Sherriffs office on behalf of the person I was merged with because they thought I was an identity thief. I have disputed these items on a monthly basis with Equifax, stating each time these accounts are not mine and please separate the accounts. I am currently trying to buy a house and the debt from the other party is making it impossible to get a loan. I am to the point where legal action must be taken to advance. I have already done more than I should have had to with this issue. It's been more than a year with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to get my free credit report from equifax and created an account on the website - XXXX XXXX XXXX - I created a password, and the system would not allow me to log in, and I got an message that the account was locked due to an incorrect password. I called the number on the screen ( XXXX ) XXXX and the representative - XXXX, employee number XXXX stated that he had to ask me some questions to verify my identity. He asked for my name, social security number, date of birth, address, and then proceeded to ask for some very personal information about my debt, who my creditors were and what specific amounts I owe to each creditor. I believe that was very suspicious, and I refused to disclose all that information. I asked to speak to a supervisor and was put on hold for over 20 minutes. I am very nervous because as he was asking for my information, he refused to provide his full name or any further proof that that was in fact equifax. I don't want my identity to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX hrs I contacted American Express by telephone. I was cleared through there automated system. Last 4 SSN, etc. Choose the option lost or stolen card. Was transferred to a robot who advised that the card was lost and that they would stop any further transactions and that I would not be responsible. Verified my address, and said that my new card is going to be delivered on XX/XX/XXXX. Is that ok? I said yes. 

On XX/XX/XXXX at XXXX hrs, I received an email notification that a Large Purchase has been approved. I looked and a charge for {$530.00} for Travel had been made. At XXXX hrs, I contacted Amex by phone. Asked to be connected to Fraud and then I spoke with a CSR named XXXX. Explained the situation and he says that there is no record of a replacement card going out. I explained to him that I spoke with the robot, and was to receive the card by XX/XX/XXXX. Went over the part where it asked me if it was ok to receive by XX/XX/XXXX. He said there must have been a " Technical Glitch '' but that he would stop the card and have a replacement. I explained to him that I would like to escalate the situation to a supervisor, which will call me back in the priority that they receive the request. Within 24 hrs. 

So my complaint is this. I spoke with a robot on XXXX at XXXX hrs and cancel the card as lost and give an ok to receive by XXXX. The procedure is broken with the robot not fulfilling the request that I made to cancel and reissue. This isn't the technical glitch that a cardholder should have to tolerate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Our loan was sold to Chase Home Finance on XX/XX/XXXX of XXXX from XXXX XXXX. 
After speaking with XXXX they have informed us that the funds from our XXXX payment were forwarded to Chase on XX/XX/XXXX. We have called numerous times and no one at Chase are able to find our payment or provide any resolution ( ie. ask for proof of payment ) to ensure our funds are properly posted to our account and avoid late fees beginning on XX/XX/XXXX. Our payment was made to XXXX XXXX on XX/XX/XXXX for XXXX. Our account number with Chase is XXXX We have previously filed a complaint with regards to this situation with XXXX XXXX. This is a complaint against Chase for their inability to find our payment when we had no control over if our loan gets sold. 

We have made roughly 10 phone calls between Chase and XXXX XXXX. Our time is extremely valuable and shouldn't be wasted on trying to find a resolution we have had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
Account opened : XX/XX/XXXX Amount : XXXX I have sent out XXXX letters asking to have debt removed from my credit to seek relief and monetary damages, & the company has failed to verify items. Ive sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I tried to settle the debt when I was first contacted even though I dont feel that I legally owe the debt. The original representative attempted to coerce me into taking a high interest title loan. I was contacted again during my working hours and requested not to be contacted before XXXX as I could be reprimanded for using my phone at work. Since then I have been contacted repeatedly during working hours even after I requested multiple times not to be. Every time I tried to work with them I was told that they would settle but for more than the original amount. Some of the representatives have been very rude or pushy towards me, They have told me conflicting information as to who owned the debt, and they have repeatedly threatened to " take further action '' without specifying what that was. The last woman to call said she wouldn't waste her time attempting to deal with me and hung up on me. At this point I think they have racked up more violations of the fair debt collection practices act than they claim I owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
The collection account from National Credit Systems with amount of {$290.00} on my XXXX  credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at XXXX  but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact National Credit Systems. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: MI

Complaint narrative:
Equifax refuse to send me any document bearing my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-01-03 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2020-01-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To begin with, I want to clearly state that I am not using a credit repair company. I am writing this letter on my own behalf, using information Ive gathered through investigation of the Fair Credit Reporting Act ( FCRA ) to understand applicable laws and my rights as a consumer, as well as from my own independent research at my alma mater universitys library, online research through credible sources, and direct interviews of industry subject matter experts. 

In XX/XX/XXXX, I disputed inaccurate and erroneous information on my credit report. An item came back " verified '' by Experian, and I then requested ( on XXXX ) to know their method of verification and description of procedures their investigators used to arrive at this conclusion. This is my right under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. 

After about a month, Experian then responded to this request by sending me another copy of my credit report along with verbiage indicating that this item was once again " verified '', however no information was provided regarding method and description of procedures for the verification. 

So, I gave Experian benefit of the doubt and sent them a SECOND request for verification method on this item ( on XXXX ). Exact same result as before - Experian came back after about a month with the same verbiage indicating that my item was " verified '', but nothing regarding verification method and procedures. 

By now, I know Experian has already twice been in violation of my rights under the FCRA ; however I chose to give them another opportunity. I sent in a THIRD request for verification method on this item ( on XXXX ). The FCRA allows for 15 days, plus mailing time, for a response from the credit bureau. It is now XX/XX/XXXX, and I've heard nothing in this regard back from Experian. 

Experian has now VIOLATED THE FCRA THREE TIMES by not responding to my requests in the 15-day period allowed by the FCRA, and I am exercising my right to demand this item is deleted from my credit report immediately. I am attaching to this complaint written evidence of all I've noted above.

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