vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I never received a statement until recent months. I work with XXXX XXXX XXXX in XXXX at XXXX hit hard by COVID 19 and poverty. I did had no knowledge of a garnishment played on me because nobody ever cared to call or e-mail me. I asked why not call me instead of garnishment? We dont call millions of customers everyday. Millions of customers getting sent to the feds for garnishment? Excuse my sarcasm miss but this is bogus. So you reported me the same company late on one hand miss, and with the other you reported me and on time in the same month with the same company on another account? Why reestablish my account and put harm on me then. I figured I was moving forward during a pandemic. Finally was able to pay and bammmm here is your reward : 3 late marks and a collection account I did not see coming. Three consecutive late marks appeared : XXXX, XXXX and XXXX. Seems bogus since I just bought my dad an XXXX  XXXX using my star card. I may cancel my account anyhow and inform the exchange that I cant deal with this harm to me. It is destroying my credit at a time I need it the most.

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 2020-05-19 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: WA

Complaint narrative:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2020-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I HAVE AN INQUIRY ON MY CREDIT REPORT FROM CHASE BANK ON XX/XX/2019 FOR MORTGAGE. THIS IS AN ERROR OR FALSE REPORT ON MY CREDIT REPORT. THIS WAS NEVER AUTHORIZED OR REQUESTED BY ME. I HAVE CONTACTED CHASE BANK ON SEVERAL OCCASION TO HAVE THIS REMOVE FROM MY FILE AND THEIR HAVE FAILED TO FIX THE ERROR. THEY ALSO ADVISE THAT I SEND A LETTER T THEIR OFFICE AND FAX. 

CHASE CUSTOMER SERVICE INQUIRIES MAIL CODE : XXXX XXXX XXXX XXXX XXXX, LA XXXX FAX : XXXX i HAVE DONE EVERYTHING AND GOTTEN NO RESPONSE OR REPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I was affected by XXXX XXXX everyone in my house got XXXX and I had several family members pass away one recently in a XXXX home. I have been calling trying to make a payment and they are always closed and after I finally call on my break and speak to some one they transferred me to a lady in a different department who was rude and hung up on me and refused to take my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: WI

Complaint narrative:
I disputed the account XXXX XXXX  XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX  
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, XXXX  and Transunion have it marked as late, charged off with a blance. 

I disputed the account XXXX  with XXXX, XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, XXXX and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

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 2020-05-19 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: WI

Complaint narrative:
I disputed the account XXXX XXXX  XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with Equifax , XXXX  and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with Equifax , XXXX and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However Equifax, XXXX and XXXX have it marked as late, charged off with a blance. 

I disputed the account XXXX  with Equifax, XXXX and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Equifax, XXXXn and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However Equifax, XXXX and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
american express serve prepaid card permanently closed my account for no reason. my unemployment and savings are on that card and i need that money back!! i have the original email that they sent me. apparently they do not have a 1800 to call and resolve this with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXX/XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXDispute  XXXX  XXXXUnder Dispute XXXX XXXX XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXXXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had previously filed a complaint with the CFPB case # XXXX and have included the company 's response. Capital One didn't provide any documentation as proof of there decision and why the denied me. Capital One in there response provides all the denial letters and the reasons for denial. It's very disturbing that the CFPB would close my complaint without any investigation. I am providing proof that Capital One is denying me for other reasons besides my credit history. In there responses they state I have too many inquires which in there disclosures states two or more, that I have a collection or judgment, They also pulled my credit report on XX/XX/XXXX without my consent. When I spoke to the representative XXXX she stated they would use the information from the XX/XX/XXXX application. Capital One seriously needs to look into this further and provide the proof for there decisions. I am providing my credit reports from the credit agencies Capital One used for there decisions as proof and that everything Capital One states in there denial letters are not on my credit reports. I hope discrimination is not the reason for my denial for a Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Account paid in full XX/XX/2020 with the medical provider. Wakefield showed up on my credit report in XX/XX/2020 and I have been trying to obtain information and show them that my account was in full. They tell me they haven't heard from the medical provider and the medical provider tells me they have contacted them to tell them my account is paid in full and nothing is owed. I even emailed them numerous times with proof of payment and XXXX  balance with no response. I call them and they just tell me they can't help me and to wait until they hear back from the medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I was notified from the credit bureau on XX/XX/2020 that I had a collection account that was added to my account. Once I noticed I disputed the account with XXXX regrading verification of this debt as well as the original agreement between myself and the alleged debt collector. Prior to this showing on my credit report I received no documentation in the mail or otherwise from the alleged Enhanced Recovery regarding this alleged debt I owe. I have never signed an agreement with this company and I have never received any notification and/or verification of this debt and that I am to pay Enhanced Recovery. I wish to have this collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a Blue Cash Everyday card with American Express and utilize the Amex Offers & Benefits. 

Pursuent to that, I activated an offer on my account page at the Amex website for " XXXX - Spend {$50.00} or more, get {$10.00} back ''. 

Afterwards, I made a purchase on XX/XX/2020 ( the charge posted on XX/XX/2020 ) for {$62.00} on XXXX, making me eligible for the offer. 

However, AmEx is refusing to credit my account for the {$10.00} as was previously advertised. 

I have read all the terms and conditions on this particular offer, and have satisfied all of them. 

This is fraudulent advertising on AmEx 's part as they wrongfully claimed that I will be credited {$10.00} if I used my AmEx card to make the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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: TX

Complaint narrative:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.

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 2020-05-19 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.

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 2020-05-19 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX   XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXUnder Dispute

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