vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2020-06-20 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
credit acceptance is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 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 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been having issues with someone using my information to try and obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I recieved a new wells frago credit card. I call wells frago to activate my card. The customer service agent asks for my checking account information. The customer service agent types in the checking account information incorrectly, missing one number. From XX/XX/XXXX till XX/XX/XXXX all my payments came back as insufficient funds on the wells frago side, even though all the funds were in my checking account. XX/XX/XXXX I call in to make my usually payment. I describe my issue with the customer service agent XXXX. She says let 's check the information to see if we have everything correct. XXXX discovers the checking account number was off by one number, a single digit. Wells Fargo found all this information in their systems. But they refused to take any responsibility.

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 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo Card Service is reaging their account by currently reporting on my credit report 52 charge offs when they can only report 1 the most recent as XX/XX/XXXX when this account was closed on XX/XX/XXXX, this is a serious violation of FCRA also very damaging to my credit worthiness and misleading to potential creditors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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: CA

Complaint narrative:
I've been having issues with someone using my information to try and obtain credit

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 2020-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been having issues with someone using my information to try and obtain credit

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 2020-06-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I applied for an auto loan from XXXX XXXX XXXX XXXX and they denied my application. The denial letter shows that Experian states that my credit score is XXXX. But when I logged onto my account at Experian.com website, my credit score is 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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Shop your way citi credit card sent me an offer as the following : Offer : You can earn 10 % back in a statement credit up to a total of {$60.00} each month for every eligible {$1.00} spent in total eligible ONLINE purchases that are made each month to your Shop Your Way. 
Mastercard from XX/XX/2020 - XX/XX/2020. 

During XXXX I did get {$60.00} bonus credit. However, in XXXX I made a purchase at XXXX but I did not get a bonus. I purchased a pair of single sofas, and this product is not sold at the local store, it couldn't be picked up at the local store, either. It's a solely online order and it's shipped to my home directly. The order is {$430.00}, which I should have gotten 10 % of the purchasing amount as my bonus reward. 
I contacted the customer service department several times since XX/XX/2020. 
The customer representative told me that this issue is under investigation. It's been a while, I still do not get the bonus credit back yet. 

I also asked for an online shopping list that can be eligible to shop in order to get the bonus, but they don't have such a thing. 

I still keep the mailer flyer as the evidence to prove their offer/promotion detail.

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 2020-06-20 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: Lending Club Corp
State: NY

Complaint narrative:
I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against Lending Club asking that they correct information reported to credit companies. Concerning my Lending Club loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, Lending Club admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from lending club and no information about my loan is reported on Lending Club 's website for customers. 


Additionally, when I call, Lending Club says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2020-06-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX, I received an email from Wells Fargo, saying that somebody transferred {$2000.00} from my savings to checking on XX/XX/XXXX in the evening. Then, that person used my money to pay his or her XXXX credit card for {$2000.00}. I notified the fraud to Wells Fargo immediately after I read the email. The representative said they need up to 10 days to investigate this fraud. Also, the bank closed all of my checking account, savings account and my debit card. I got all brand new account numbers on both accounts and a new debit card with different number. Then, I called them again two days after that, and they said it will take longer to process, since they need to contact XXXX about this matter. I called them again earlier this Tuesday, they said that they do not have any update. However, they said I could call the bank " if it makes me feel better. '' It was not one of my favorite customer service experience since that person said the sentence not in the nice way. I waited for couple days and called them again this afternoon. They said there is no update regarding this matter, and probably I will get some update the latest on XX/XX/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 monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: ND

Complaint narrative:
Several months ago a collection agency named IC System contacted me about a debt with XXXX. The address of the service was XXXX XXXX XXXX in XXXX, North Dakota. I have never lived at this address and disputed it through XXXX. All they replied is that IC System has confirmed the debt as good. You can look up anything about my history and never has the address XXXX XXXX XXXX has never been a place where I have resided.

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 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I purchased three airline tickets from XXXX XXXX. On XX/XX/XXXX I called back and canceled. I then contacted Chase credit card company, and reported what had happened. The reason for the cancellations given was " due to the COVID-19. The credit card company then proceeded to credit back to my card the amount of the purchase, which were for a total of three credits. 
One month or so later, I received what they termed a Rebill followed by some numbers, and XXXX XXXX. When I contacted XXXX XXXX, they stated to me that they were unaware of said charge. I waited while the agent double-checked and again he said " no there's no such charge ''. That I should contact my credit card company. Chase later explained to me that my card was debited three times, but credited four times. So, I said if there was an excess credit, why don't you just debit the card, and we're even, since I did not receive any goods or service. This should only be an accounting entry, and we're even. The lady went on and on about how I got an extra credit, and therefore I owe the amount of the airline ticket {$1400.00}, which I subsequently paid. But I think there is a trick, somehow. Because I ended up paying for something I got no benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 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 2020-06-20 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: VA

Complaint narrative:
XXXX XXXXe is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: VA

Complaint narrative:
XXXX XXXX is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 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 2020-06-20 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: Westlake Services, LLC
State: VA

Complaint narrative:
I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through WESTGATE FINANCIAL SERVICES I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.

Company response to consumer: Closed with explanation