vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: GA

Complaint narrative:
Name : XXXX  XXXX XXXX Amount : {$590.00} Date opened : XX/XX/XXXX Status Date : XX/XX/XXXX On various occasions I have reached out to EXPERIAN CREDIT REPORTING AGENCY, to remove this inaccurate and fraudulent account of my credit report. Which they did and later reinserted it to my report. I contacted experian again via phone call on XX/XX/XXXX and a letter but they refused to reinvestigate. 

Also they violated my right by the FCRA by refusing to notify me in writing why the negative item was reinserted with 30days and also till date I havent gotten a letter from experian.

They took over 120points from my credit and are still reporting this fraudulent account and a supposed charged-off account since XXXX on a month to month basis on my report.. 

NB : I have written over 4 letters to Experian concerning this account and 3 phone calls.

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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My husband had a credit card for Cabela 's and the account was discharged in a Bankruptcy. Cabela 's sold the account to XXXX XXXX and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted XXXX XXXX and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Ive sent dispute letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As your method of validation, each time, I was responded with the same letter that was dated 2 years ago that did not address the dispute at hand. So, after your validation, there are still many things being reported inaccurately and are as follows XXXX is reporting this collection account as an open account. The date opened is reporting inconsistently and incorrect across the 3 bureaus. The reported balance is incorrect across all 3 bureaus, and is reflecting a different amount than the letter you sent me states. The date last active shows XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX  and XX/XX/XXXX by XXXX. Lastly, all bureaus are reflecting a balance for this collection account, which Im sure you are aware are all violations of my rights, per the FCRA. I have the right to 100 % reporting accuracy and you have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc
State: SC

Complaint narrative:
XXXX XXXX never sent notification of a debt owed. The first communication received was from Biehl & Biehl, a debt collector. The amonut owed was outrageous and was fraudulent. There was a discounted rate on the original shipment that they did not honor when it was rebilled UPS freight was contacted and I was referred to the billing department who was supposed to correct this and forward me a bill in the correct amount. The case with Biehl & Biehl should have been closed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc
State: NJ

Complaint narrative:
Biehl & Biehl Inc. has been harassing me and my company regarding alleged debt from XXXX XXXX. My company has paid all invoices from XXXX XXXX in full, and owe no money to XXXX XXXX, XXXX XXXX XXXX, or Biehl & Biehl Inc. Despite my full cooperation in emailing documentation as well as mailing documentation proving full payment of {$6700.00} to XXXX XXXX in XXXX of 2020, Biehl & Biehl Inc. has ignored my communications and persists in calling myself and members of my family. On two occasions when Biehl & Biehl Inc. called me, I verbally instructed Biehl & Biehl Inc. to cease and desist all communications with myself and my family. Despite these verbal instructions, Biehl & Biehl Inc. continued harassing me. Eventually, I mailed Biehl & Biehl Inc. a certified letter demanding they immediately cease and desist all communications with myself and my family. Not surprisingly, they ignored the cease and desist letter, even after signing for it, and still harass myself and my family to this day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: KY

Complaint narrative:
I have contacted Experian numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX are all fraud. I have not received any merchandise or applied for anything from any of these places. I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information

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 2021-06-21 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 contacted Experian several times about a false reporting on my credit report. I dealt with XXXX trying to collect a debt with me in error and worked it out many years ago, however Experian is continuing to report the false account. I've reached out to them many times already since XXXX of 2020 and am being ignored. Please help.

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 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
My complaint is against the western union company, more than a year ago I have asked for the shipping history, which during the last five years I have done.This company has opened several cases, during which they ask me to fill out forms to send copies of my identification, which I have done repeatedly, after a few days they close the case, and then they open another arguing that the information is not complete, in the form they ask for my personal data, a copy of my identification and my address which I write on the form and it is also in the copy of my identificationSince 2020 I have sent the same form, without getting a response about my shipping history, I have a legal prosecution in my country with money that I sent for 5 years, which is why I need this history, the wester union company has ignored my petition, and it has made me waste time and money, I need your help to receive the information that I am requesting, I can not keep waiting and that wester union only opens and closes cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
between XX/XX/XXXX and XX/XX/XXXX I paid XXXX a total of {$3200.00} for the services of " XXXX XXXX XXXX '' a moving company that solicits business on XXXX They submitted fraudulent billing ie : billed too many hours and billed for workers who were not working and then they stole {$15000.00} worth of my household goods. I tried to resolve the issue with XXXX XXXX XXXX and I tried to resolve the issue with XXXX but XXXX refuses to take responsibility even though they allowed a criminal enterprise to solicit on their website, gave them fake reviews and did not screen them properly. XXXX claims they have no responsibility for for issues with movers who solicit on their website but they do not make this statement available for you to view before paying for their services. A sort of bait and switch routine as I see it. I tried to dispute the charges on my Capitalone Visa card but eventually they held me responsible for paying all charges. I believe they are in the wrong by doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
On multiple dates since XXXX I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently homeless because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I I deposited {$1100.00} at an ATM Wells Fargo XXXX XXXX XXXX the ATM did not give me a receipt and also put the wrong amount in my account only saying I deposited {$710.00} when I really deposited {$1100.00} in cash I then filed a report with the bank and they did an investigation and they said that they did not make a mistake after a month and a half of looking into it I firmly disagree with this decision because this is fraud I counted the exact money that I put into the ATM on XX/XX/XXXX and it was {$1100.00} so the bank needs to take responsibility for this and give me the {$400.00} that they owe me. They are refusing to hear my complaint and challenge their decision and poor investigation I feel that this is criminal to steal money from a customer when Im depositing cash at an ATM that doesnt print receipts like it should. Please help!!!

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 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had applied to the City of XXXX for a tax deferral. I was found eligible and was sent the paperwork to process my eligibility by the city. A letter needed to be signed by Chase as my taxes were paid by them through escrow included with my monthly mortgage payment.. When I reached out to them, I was told they could not sign the letter of permission because my taxes were escrowed and paid with my mortgage payment. I looked further into this situation and was told by Chase that my taxes did not need to be escrowed and they were willing to unescrow the tax portion of my monthly mortgage payment. I reached out to Chase again, requesting they sign the form since they no longer need to escrow my taxes. They said no, it is not their policy, with no further explanation when I inquired. 

As a recent widow, finances have been a struggle for me. The help that having my City of XXXX taxes deferred could provide me would make a great difference in my ability to manage my finances. I had been told by a City of XXXX employee that other households in XXXX that have mortgages from Chase have received permission from Chase to have their taxes deferred. Any help you could be to me to remedy this situation would be greatly appreciated. I am available to answer any question or provide further details as needed. 

I am attaching the following dated documents : 1 ) XX/XX/XXXX Notification from the City of XXXX - letter of eligibility and requirement for signature of document- by Chase specifically 2 ) XX/XX/XXXX Letter from Chase that they will not comply with request for deferral of taxes 3 ) XX/XX/XXXX Official letter from Chase adding my name to loan as a successor in interest after my husband passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On my credit are a lot of things opened by my parents that wasnt from me. Some things I wasnt even old enough to open and or have no knowledge that was used in my name and its causing me problems now with trying to get apartments and things.

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 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit repair company has failed to investigate and delete the accounts requested to be deleted due to being inaccurate.

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 2021-06-22 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: AL

Complaint narrative:
Credit repair company has failed to investigate and delete the accounts requested to be deleted due to being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On multiple dates since XXXX of 2020 I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently XXXX because of their negligence.

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 2021-06-22 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: SC

Complaint narrative:
I have requested Experian to remove XXXX XXXX from my credit report because they have failed to report the account accurately on my credit report. The date of last payment and first date of delinquency is inaccurate. I have advised Experian of the inaccurate information and even sent them a screenshot in which I sent but they ignored the screenshot and claimed they were verifying the information.

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 2021-06-22 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
review the following accounts that appear on my credit report without any authorization, they are not mine : AFFIRM INC Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Co. on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Nissan Motor Acceptance Co. made me purchase insurance separately. These are clear violations of my consumers right which makes this contract void. This caused me a lot of stress on me with negative remarks on my consumer report and I need this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX made a fraudulent inquiry on 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 2021-06-22 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: KY

Complaint narrative:
I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: VA

Complaint narrative:
I have contact the bureau since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Transunion claimed I need to send them information from the courthouse in order for it be removed. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent it to them as well. Transunion has not removed the 3 bankruptcies even tho I sent them the requested documentation to remove the unverifiable bankruptcies.

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 2021-06-22 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation