vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Viewed my credit file with Experian on XX/XX/19 in reference to XXXX XXXX XXXX and is showing incomplete/missing account number.

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 2019-08-27 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: TX

Complaint narrative:
I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.

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 2019-08-27 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:
I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.

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 2019-08-27 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: MO

Complaint narrative:
The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: MO

Complaint narrative:
The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}

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 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Letters to all bureaus were mailed approximately around XX/XX/2019. Follow up letters were then mailed approximately around XX/XX/2019. Out of an abundance of concern, I requested that VALIDATION around XX/XX/2019 in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. This account was deleted from my credit reports only to be sold to another company and reported again as a new debt. They have YET TO PROVIDE ME WITH VALIDATION OF DEBT IN ACCORDANCE TO THE LAW. THEY ALSO HAVE YET TO DELETE THIS FROM MY CREDIT REPORT.

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened my Business Checking account in XX/XX/2019. I have met the requirements for getting the promotional bonus but have not received the bonus by the promised date. Offer code is XXXX. Bonus amount is {$300.00}.

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 monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. 


ABC Financial called me repeatedly and did not stop calling after I advised them to stop. 
ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Viewed my credit file Equifax in reference to XXXX ( XXXX ) on XX/XX/19 and is showing incomplete/missing account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Freedom Unlimited charges interest rate for transactions which have been paid off as long as there is an outstanding balance. On XX/XX/XXXX I had an outstanding balance of {$2600.00} for which I was charged {$49.00} in interest rate. On XX/XX/XXXX I had an outstanding balance of {$850.00} and was charged interest of {$77.00} After speaking to a Chase representative, I was told that as long as there is outstanding balance Chase charges interest rate on every transaction irrespective of what the final outstanding balance was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America filed an assignment of Deed of Trust on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXin XXXX County of Texas. The assignment was made to transfer the servicing right from Bank of America to XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, TX XXXX. 
However, below are the facts that came out to light which makes us questioning the legality of the assignment : 1. XXXX XXXX XXXX XXXX XXXX already opened a FHA mortgage loan back in XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXon my property for an amount of {$180000.00}. The loan was made with my identity information back then without my authorization by it as lender. 

2. XXXX XXXX XXXX XXXX XXXX concealed the loan for a period of 6 years without reporting me or anyone ( Including Credit Reporting Agency ) till XX/XX/XXXX. 

3. Bank of America never mailed me the notice of servicer change as was required under RESPA. 

4. The signature of the assignment of deed of trust is a forged signature of Ms XXXX XXXX when compared with her other signatures. 

Given under these facts, the assignment of deed of trust can mean any of the followings : 1. The assignment of deed of trust was executed by Bank of America to aid and abate XXXX XXXX XXXX XXXX XXXX in money laundering. 

2. Bank of America was bribed by XXXX XXXX XXXX XXXX XXXX to make such assignment of Deed of Trust. 

3. Bank of America assisted XXXX XXXX XXXX , XXXX in identity theft. 

4. The assignment of Deed of Trust is a forged document that has been filed in XXXX County and Bank of America has no knowledge of it. 

XXXX. Any other reason. 

I would expect that Bank of America would clarify this matter.

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 2019-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank USA ran a hard inquiry on my credit and I did not authorize this inquiry. I have not applied for any loans or credits with this institution or any other institution at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX and XXXX pulled my Equifax Bureau credit report without my authorization and in error. 

I disputed ( # XXXX & XXXX ) this Hard inquiry with Equifax and Equifax investigation result is as below - " >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX DBA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX TX XXXX '' I contacted Equifax on XX/XX/2019 to better understand their investigation process and meaning of their results. Equifax asked me - " request XXXX to send Notification electronically or contact Equifax Business Consumer phone number XXXX if XXXX doesn't have a way to send notification electronically '' On XX/XX/2019 XXXX XXXX, Director of Finance at XXXX and On XX/XX/2019 XXXX XXXX of XXXX contacted Equifax Business Consumer Help Line to request equifax to remove hard inquiry from my file which was done in error. Equifax Representative informed XXXX XXXX XXXX that they will not remove this inquiry and asked them to let the Consumer ( me ) dispute the inquiry ( which i already did ). XXXX provided me a letter to confirm these details which i attached with this complaint. 

On XX/XX/2019, I contacted Equifax to inquire about this contradiction. Equifax representative confirmed me that they will not contact the inquirers ( XXXX ) about the dispute i made and they will not confirm the validity of the inquiry. I informed equifax that I never authorized this credit inquiry and offered to show them the written proof from XXXX XXXX Director of Finance about " the error they committed and how equifax would not correct my credit file accordingly ''. Equifax representative confirmed that they will not investigate inquiries ( like contacting inquirer about validity ) except they check only their database. 

As Equifax not willing to remove my inquiry despite providing ample proof, I am approaching CFPB for help. 

EXPECTED RESOLUTION : Equifax should remove hard inquiry made by XXXX on XX/XX/2019 from my credit file. 

Attachements : 1. Dispute letter from equifax XXXX 2. Dispute letter from equifax XXXX 3. Letter from XXXX to confirm that inquiry is infact an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/19 someone cashed a check at a bank in XXXX XXXX ( Zip code XXXX ) using my ATM number and pin number and forged my signature ( though spelled my middle name wrong ). The check was made out in my name, with a company based in XXXX, CA that I've never heard of. The person went to a bank and cashed the check for the amount of {$2400.00}. I have image of front and back of check with my middle name spelled wrongly. I discovered the fraud on XXXX and reported to Bank of America that day, who froze the account. I submitted a police report on XX/XX/XXXX about the check fraud.

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 2019-08-27 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: MS

Complaint narrative:
Put unknown inquiries on my report, unauthorized inquiries, tried to resolve it through Transunion but no action has been taken

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 2019-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...

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 2019-08-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...

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 2019-08-27 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make XXXX of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household.

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 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. 

However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. 

On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. 

By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. 

I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: GA

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.

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 2019-08-27 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: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: ERC
State: AL

Complaint narrative:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation