vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made a {$1500.00} purchase from XXXX XXXX for XXXX washer and dryer on XX/XX/2021 using a XXXX Credit Card d/b/a Citi Crad. On XX/XX/2021 XXXX attempted to deliver them but would not install the appliances. Complaint made and assured installation on XX/XX/2021. Delivery opened boxes on street, loaded and brought into my home and hauled my old appliances out before informing me they would not install the new appliances. A complaint was made again ; then, XXXX staff arrived on XX/XX/2021 to install but did not complete the installation, parts were missing, and no warranty was provided. I made a complaint with XXXX Credit Card to dispute charges, as well as, consumer fraud complaint with the XXXX XXXX XXXX  and XXXX Board of Directors. XXXX Credit Card representative, XXXX, would not initiate the billing dispute on XX/XX/2021. So, I made a payment {$1400.00} to prevent a past due occurrence which appeared to be the intent of XXXX Credit Card and leaving a balance of {$190.00}. After a second call on XX/XX/2021, XXXX Credit Card initiated the billing dispute but continued billing me, sent me to collections, continuously sent past due statement and reporting me to credit reporting agencies while the billing dispute was pending! A letter dated XX/XX/2021, stating a {$1500.00} credit and/or refund with adjustments was going to be issued but I continue to receive invoices with interest, harassing phone calls from collection agencies, and e-mails stating past due balances. Meanwhile XXXX is not addressing incomplete installation of my appliances, missing parts, and no warranty issued for my appliances! XXXX tells the XXXX XXXX XXXX ( i.e., XXXX  ) they were working the customer but the actions by XXXX toward me is different and fraudulent ; lies and gaslighting me ( i.e., the customer ). This has been going on since XX/XX/2021. Given the letter dated XX/XX/2021, stating credit/refund and adjustments, I continue to be harassed, bullied by XXXX Credit Card d/b/a Citi Card and it's agents ( i.e., collection agencies ) even after requesting a cease and desist order! I received a letter acknowledging my request but the harassment continues in retaliation for my complaints! XXXX XXXX and XXXX Credit Card consumer fraud activities are with impunity thus far!

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have been Disputing a Debt that has been sent to Transworld System Inc regarding a payment for rent that I do not owe. I have one them proof that due to a change in staff and the apartment complex not being able to properly keep track of their bookkeeping, I do not owe this debt. They have admitted to making this mistake as this mistake almost made me go into eviction. Transworld continues to report the item on my credit report. They have sent me a copy of the rental agreement which is missing my signature, and it is not enough proof to continue to report this item as I have always paid up to date my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I am not liable for this debt with FLAGSHIP CREDIT ACCEPT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : 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 2021-08-12 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: PA

Complaint narrative:
I recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.

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 2021-08-12 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: PA

Complaint narrative:
I recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has been reporting late payments on XXXX and XX/XX/2018 on my XXXX  and XXXX  Credit Report. I have asked them to update this mistake for the past year and they have failed to provide proof of my late payments and refuse to update the account. It has been hurting my credit profile.

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My card got an offer from American express for " let 's go shop small '', got {$5.00} credit after spending {$10.00} or more, maximum 2 credits. I selected the offer, and made two purchases in the shops which are in their map, but never got any email confirmation and also the credits. I did this last year with the similar offer, and always got the email confirmation shortly after the purchase, and got the credit days later, but this time, something is wrong, so I chatted with the Amex customer support person, they confirmed that something maybe wrong, so they opened an investigation for my case ( case ID is XXXX ) in XX/XX/2021. After that, I chatted with them for more than 3 times for the status of my case, but so far, no any results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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: OH

Complaint narrative:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NC

Complaint narrative:
I have made many inquiries to Transunion concerning one late payment on my personal credit report that shows late on XX/XX/2020 by XXXX XXXX XXXX which they have sent letters to Transunion stating its reporting in error. I have never been late on anything in my life. I sent every document to Transunion to prove this and to remove the one derogatory late from XX/XX/2020 from my personal credit bureau at once. They said they would. They have not so here we are again for the 6th time.

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 2021-08-12 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: MI

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: PA

Complaint narrative:
XX/XX/2021 an error was posted on my credit reports by XXXX XXXX. I submitted a dispute with all 3 credit bureaus and was in contact with Ally on the matter. XX/XX/2021 XXXX called me and said they found the mistake and sent the paperwork to the credit bureaus to have the mistake removed which all 3 companies did.

The problem is with Experian. When the mistake happened it lowered my Experian score 34 points. When the mistake was removed it only returned 13 points. I called to ask why and Experian said there is nothing that can be done to look into, and or fix it, and that I just have to wait for the algorithm to " self-regulate ''. The thing with algorithms, when the data that caused -34 points is removed from the equation, then the -34 never happened in the first place and I should have seen a +34 upon removal of said data. This is exactly what happened with XXXX  and XXXX  but for some reason Experian can't do math and they are not willing to accept and correct their errors. 

Experian even marked my dispute incorrectly. They remove the erroneous 120 day late payment. Yet marked my dispute as " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' They seem to be very confused about what they are doing over there.

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 2021-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXX MY BANKRUPTCY CONNS XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT XXXX  XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/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 2021-08-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is in regards to a Late Payment reported on my Credit for the month of XX/XX/2021 my JPMorgan Chase Bank. 
I have always had an impeccable history of making payments on time. 
In this particular instance for my XXXX statement, I made the statement payment through my Savings account. I had been using this account to make my payments and in the previous month there were instances where the payment was taken out of this bank account without any problem. 
I only got notified from JPM Chase that the payment was unsuccessful.

Also as a back up, I had an monthly Auto Pay setup from a different bank account than the one above. JPM had been taking out this monthly auto pay in previous months but did not do in XXXX. 
If the above statement payment did not go through for some reason, the auto pay should have gone through. If prior month payment transactions and monthly auto pay went through without any problem, how could these transactions not be possible in XXXX. 
Even if the payment transaction from one bank account did not happen the other monthly auto pay should have kicked in.

This has adversely dropped my Credit score and would want to get this fixed. I do not believe it is my fault as I made the payment and also setup an monthly auto pay which had been working in the past months. I would like for JPM Chase bank to fix the reporting of the late payment on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
Mid America Mortgage finally accomplished a new loan modification agreement which we signed at the end of XX/XX/XXXX. This took almost an entire year due to issues that they had with prior servicing company which ended with the other company barely giving notice and dumping all of the loans onto Mid America when they were not equipped to handle the load. Unfortunately for us, our loan was in the middle of a modification to our original loan. There were errors in the modification terms and Mid America sent them via messenger along with rest of modification. We chose not to sign that day due to questions about the price of modified loan. I followed up with XXXX XXXX literally I emailed him almost daily and I could not get a response. 6 months later after speaking with many people that work in different departments, I finally talked with someone who actually listened to what I was pleading. We did not refuse to sign and that was their reasoning for moving forward with foreclosure, they agreed to give us another modification which was signed in XXXX XXXX our XXXX payment was due in XX/XX/XXXX & I checked my account login and I was not able to access my online account & also be able to pay my bill there electronically. I began trying to reach them by phone and the hold times were & are extremely long. After several attempts, I decided to go ahead and mail the payment overnight to the P.O.Box, to get there on time.In XXXX, I sent several emails requesting that my password be reset as instructed and also requesting the loan modification dept to call me. I finally received a call and set up payment and during the time we spoke and the time they were to deposit the payment, my checking acct was compromised. I had to close account and I could not get through to them to ask them not to run check through that bank acct. this was urgent. I went to the bill pay tool on my new bank account and set up reoccurring payments in XXXX XXXX and they sent the new check. A couple of days later, I received a phone call from a female rep and she asked me what was happening and I explained all of the trouble I was having to get through to get my payments to them so she said she reset password link and ended call. I tried immediately to set the new password and it did not work. I tried to call back but didn't have time to hold. Then on XX/XX/XXXX I rcvd a call from XXXX. He worked on the loan mod and was familiar with our file. I gave him the XXXX # XXXX from the payment the bank sent and he asked me to cancel the one for month of XXXX and he would set it up to pay on his end. He gave me his confirmation # XXXX for {$2100.00}. Neither one of these payments has been presented against our bank account for payment and I am afraid that they are doing something to make us lose our home because they have made it so difficult just to make our loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2021. I received a debit card from BMO Harris Bank for a checking account that I did not open. It was clearly an ID theft issue. I filed a report with the Federal Trade Commission XXXX report # XXXX XXXX, the local police department. I contacted the BMO Harris bank multiple times via phone calls and email with the documents they requested since then. Till today I did not get any written communication from them. I was not even allowed to talk to an associate with their Fraud department ( assuming they have one ). Every time I call BMO Harris, they play ping pong for an hour and then they say we are working on it ... 

This is a bank that opened a checking account for someone out of state without any usual verifications that decent banks do. 

Any help is appreciated.

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 2021-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: PA

Complaint narrative:
DISCOVER SEND ME MY MONTHLY STATEMENT WHICH I NOTICE THAT INTERSET IS JUST AS HIGH AS MY $ XXXX MONTHLY PAYMENT ( {$130.00} INTEREST RATE ) FOR LAST TWO MONTHS THAT I NOTICE LOOKING AT THIS MONTH & LAST MONTH STATEMENT MONTHS BEFORE THAT I WAS JUST PAYING LIKE {$24.00} FOR INTEREST RATE REACH OUT TO ASK THEM WHY JUMP IN INTEREST RATE ONE PERSON TELL ME BECAUSE IM AT MY LIMIT ON CARD WHICH STILL DO NOT SOUND RIGHT AT ALL I TOLD PERSON THIS WAS YESTERDAY CONVERSATION GOT DISCONNECTED SO I REACH OUT TODAY WITH SAME QUESTION AND LETTING PERSON KNOW I HAVE OTHER CARDS WITH SAME RATE XXXX & INTERSET MONTH IS ONLY {$24.00} LIKE IT BEEN WITH DISCOVER UNTIL LAST TWO BILL STATEMENT LETTING THEM KNOW THAT IT IS PREDATOR LENDING AND IT AGAINST LAW THAT I WILL BE REPORT IT ONLY THING XXXX DID WAS SEND OUT RATE WHICH I KNOW IS XXXX LIKE MY OTHERS CREDIT CARDS AND INTEREST DID NOT JUMP UP TO AMOUNT OF MONTHLY PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TX

Complaint narrative:
I have been disputing XXXX XXXX XXXX Collections on my Transunion and XXXX report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX  XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation