vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX BANK XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-07-08 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
I have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!

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 2020-07-08 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:
I have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!

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 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I noticed charges for {$58.00} was deducted from my checking account I called Monterey Financials and told them thre was a misake and ask how they got my information. They told me I received the services of document preparation and they were the collegtion agency but could not tell me for what company. I put a stop payment and then XX/XX/2019 they started taking payments out of my account from XXXX, which is not filed with any XXXX. the contract should give you all the information you needs. 
XXXX XXXX XXXX XXXX XXXX, has never been registered under the Wyoming XXXX XXXX XXXX XXXX  XXXX XXXX, WY XXXX. I was support to get documents prepared through that company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. This is a bank specifically for XXXX XXXX XXXX and has nothing to do with Montery Credit, XXXX of XXXX XXXX XXXX XXXX XXXX. I am adding the promissory note and disclosures Payment I agree to make payment t " us ''. the entire document is a joke.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU is reporting a debt on my credit report that they are not avail to verify. I contacted them on XXXX and they were not avail to find any information on me. I requested for them to remove the wrong information from my credit report and they hang up on 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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Previously was able to use XXXX with my PNC accounts. It is asking to reauthorize and after entering credentials through the XXXX service PNC does not complete the authorization. It says they've made changes that prevent it. PNC customer service can not help. PNC is blocking and recommending to use the service it promotes and restricting competing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}

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 2020-07-08 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}

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 2020-07-08 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express LIED TO ME They told me that they would help during this pandemic and out and out lied. 

They helped for 1 month, just one then started reporting and charging the XXXX out of me for everything they could. 
Constant harassment non stop. Bad reports on mu credit report. over balance missed payments and other XXXX THEY LIED TO ME JUST ABOUT TO GET IS ALL STRAIGHT GUT AFTER THEIR CONSTANT HARASSMENT IM NOT TALKING TO THE XXXX  ON THE PHONE. 

Want to close account and pay it out but they are being XXXX. Yet again. 

THEY LIED TO ME AND TOLD ME THEY WOULD HELP BUT THEN TURNED INTO A PAWN SHOP. 

This needs to stop and there needs to be a correction filed on myk credit over their LIES, Tried over and over to get them to email me since I've been XXXX  and my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened this credit card with a XXXX annual fee for the purpose of travel benefits. Then Covid19 hit and travel stopped. Because I cant receive the travel benefits I called to ask for a refund of the annual fee and was told it was too late. With all the extensions given because of Covid I asked if they would refund the annual fee but was turned down.

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WILKINSON LAW FIRM, P.C.
State: MS

Complaint narrative:
Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX. 
I contacted the Wilkinson Attorneys at Law at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
Wilkinson Attorneys at Law never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, XXXX . I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being Wilkinson Attorneys at  Law ( representing XXXX XXXX never responded in writing within 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
Sent a money transfer XX/XX/20MoneyGram states money will be received in minutes the reciever is yet to receive the money and it is XX/XX/20. The website state a refund can be processed if reciever hasnt received the money and I call a respresentative I was denied a refund. 
Ref number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX  XXXX {$870.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX  debtor  purchased an account and did not provide opportunity to validate. Did not provide any details as to how they obtained debt chain of title. Products received from XXXX are disputed and they are alleged to be Defective product. I have been willing to make arrangement to return defective product products. The debt buyer owns my debt, it generally must prove how it came to acquire it. The sale of a debt from one creditor to another is memorialized through an assignment in which the original creditor assigns ownership ( and the right to collect the debt ) to a new creditor. To be valid, the assignment must sufficiently identify your particular debt. 

Often, debts are sold and resold over and over again to a number of subsequent debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Any and all of my medical debts are in current litigation. My attorney is XXXX XXXX of XXXX XXXX  XXXX. I dont have the dates I contacted RMP Services or names but I have pleaded them to remove this debt due to litigation. 

Im trying my best to improve my credit so I can move and these medical bills are gendering my ability to move. 

Id appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-07-08 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-08 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-08 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I was charged by TransUnion of a {$2400.00} in a very sneaky and misleading way. They also don't disclose it is a monthly subscription. 

The whole think was super sneaky. I was exerting my right on XXXX to check my credit report, TransUnion show a report but no credit score, they do display a page saying clicking the link to get free credit score. After getting into the page, there are two buttons, one is get free score, another is buy your report. 
Of course I clicked the free button, then it ask for personal information for creating an account. At the end, it asks for credit card. It was misleading as if it was part of their proof of identity requirements. 

But then my card was charged {$24.00}, it is even worse that the charge is automatically made monthly. I only figure out when dive into very deep membership areas. 

Of course, they only offer a phone number for support. No email or online chat option means that, leaving me with no proof to back up my cancellation request when they attempt to charge my card again for whatever bogus subscription they are forcing on me. 

I understand Credit Score is not compulsory to be free, but if TransUnion advertised it to be free, it shall be free. It is scam to charge users when advertised as free. 

I am sure I am not the first victim of this scam business model. Please see the posts on XXXX. XXXX  user XXXX  and XXXX  are also victims. 

XXXX XXXX XXXX   Please stop TransUnion exploit the public service to make dirty money. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX @ CFPB - Id been a happy customer of Amex for many years, and AmEx remains one of the great pillars of the industry in my mind. My customer experience with Amex has been almost entirely first-rate, but I've unfortunately been unable to resolve my issue through customer service or the office of the executive, XXXX XXXX. 

This past summer ( 2019 ) I excitedly added the redesigned Gold Card to my wallet. As part of the advertised Welcome Bonus, after validating my first three Statement Balances collectively exceeded {$2000.00}, I expected to see XXXX reward points credited to my account. To my surprise and disappointment ( citing some buried Terms ; mostly about the exclusion of the card fee and technicalities around the dates of the promotional period ) the customer service and compliant reps I spoke to did not agree with my perspective, that the marketing of this card was deceptively incomplete in comparison to the Terms, and they declined my plea for an account credit of the welcome bonus. 

While I have since closed my Gold Card account, I am still optimistic that a reasonable reexamination of the marketing communications, as well as my account history, would show that I am operating in good faith and with a reasonable interpretation of the marketed offer. Im also hopeful that the damages from the withheld Welcome Bonus will be delivered with an apology for the misleading communication and arduous customer experience to receive merely what was promised in the advertisement ( especially after upholding my end of the spending threshold as advertised ). Any help the CFPB might provide in resolving this issue would be tremendously appreciated. 

Very Respectfully XXXX XXXX Account Ending XXXX

Company response to consumer: Closed with explanation