vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo advertises for the WellsFargo PropelWorld card a {$100.00} airline benefit. 
I have a charge from an airline that should apply. 

On XX/XX/19 - I called Wellsfargo to see when the benefit will be applied and was told by the CSR that they've never heard of it and transferred to XXXX. XXXX told me it was a Wells Fargo benefit and transferred me back, Wells Fargo CSR than said it was a rewards thing, transferred me to GoFar rewards and they said they've never heard of it and transferred me back again. 

I again went through the whole process of explaining everything and asked to close the card since again I was told they never heard of it and the moment I mentioned closing a card the CSR started saying they couldn't hear me. So they transferred me again to the Fraud department where they continued saying they couldn't hear me and I should call again.

https : //www.wellsfargo.com/credit-cards/propelworld/terms/ - It's right there in the first line under " Airline benefit ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA regulations. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for US Bank or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. And I strongly disagree. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used their credit card and my signature from the one on the application was different. They also showed me an itemized bill, There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for US bank. I have never applied nor used their CC. and I filed a police 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 non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Last year XX/XX/XXXX I submitted a complaint through the Consumer Financial Protection Bureau against Resurgent Capital Services/LVNV Funding for the account # XXXX that they purchased from XXXX XXXX and placed it in collections on all 3 of my credit reports with XXXX XXXX and XXXX saying that it was my debt. I have sent several dispute letters to Resurgent Capital/LVNV Funding disputing all their continuous false allegation about this XXXX XXXX XXXX that they purchased that is not mine. They have sent statements trying to prove it was mine. A statement doesn't mean that's my debt. I have requested for signature and they have never provided one. Last year, they responded to my complaint with a 52 page letter that was very ill-informed. This company has destroyed my credit ratings for years and I refuse to continue to sit back and let with me knowing this is not my account. In the quest to continue to fight I continue to dispute XXXX XXXX XXXX the original owner of this alleged debt. On XX/XX/XXXX I received a written, legal document from XXXX XXXX XXXX further proving my case that after their investigation they found I am not responsible for any PREVIOUS or FURTHER balance incurred on this account. The site wouldnt let me Attach the letter from XXXX XXXX but I sure mailed it to Resurgent Capital compliance address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Hello, Started receiving calls 2 days ago from a supposed law firm called XXXX XXXX  XXXX. They are claiming to be a law firm threatening to serve me today over a debt from an account that hasn't been used since 2010. They are claiming I owe XXXX on a debt to HSBC bank and last activity on the account was 2010. Statute of limitations in NY is 6 years and I believe the same in Ohio. I'm almost a decade past that. 

Man on the phone essentially claimed officers were on the way to serve me if I didn't agree to pay them the full amount today. After doing some research is seems this company makes similar threats to others. 

I was sent an email from a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
when checking my credit report there was some fraudulent accounts on my credit report I will like for these items to be removed asap!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
This is a follow up for our conversation XX/XX/2019 It is my understanding that XXXX XXXX XXXX, incorrectly billed XXXX for my services. Instead of billing the XXXX   account the Commercial was billed. Once it was rejected the claim was sent Credit Collection Services to collect the debt. 
I contacted my insurance after receiving a phone all earlier this month from Credit Collection Services attempting to collect the debt on behalf of XXXX XXXX. I revoked the right to call and requested all correspondence be sent by mail. After explaining to XXXX XXXX XXXX and XXXX XXXX that I was contacted by Credit Collection Services they began to investigate. It was discovered that XXXX XXXX hadnt billed them for them for the service at all. She also stated that this service was covered and is included in my insurance policy. She stated they must have billed the wrong account. Together we called Collection Credit Services. We tried to explain the errors, but the agent XXXX XXXX wasnt of very much help. She tried to collect the debt several times and offered payment with reimbursement if errors were found as a remedy. During this phone call I also revoked their right to call me on my personal cell ( again ) and request any correspondence be done by mail. She attempted to confirm a phone number for contact but provided the wrong number. I informed her that the number on file was wrong and provided the correct number. I requested a manager to aid the situation. After speaking to the manager and the errors we acknowledged she apologize and stated that I didnt have to worry about the debt. My insurance then proceeded to call XXXX XXXX had them bill the correct account. I have yet to receive this acknowledgment of errors in writing confirming that my account has been taken out of collections. 
As a result, the actions of Credit Collection Services display willful noncompliance and several FCRA and FDCPA violations. The agent attempted to collect an unvalidated debt while my insurance company and I were trying to confirm and remedy a billing error. If I had attempted to pay the debt or made a promise to pay, I would have forfeited my right to later sue for the debt. Not once was I notified of my rights. CCS also failed to validate the debt. If CCS had current ownership or were hired to collect the debt the liability falls on CCS.

I lawfully seek actual damages, statutory damages and damages under Indiana Fair debt collection, FCRA and FDCPA laws.

I also have formally filed a grievance with my insurance company, a complaint to the CFPB and Indian States Attorney Office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX

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

Complaint narrative:
Equifax wont remove this inaccurate fraudulent information from My account I will sue them if they dont each violation is {$1000.00} fine XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$23000.00} these are all fraudulent accounts

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

Complaint narrative:
I did not applied for these accounts. Please remove them as soon as possible from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for AMEX or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used it and my signature from the one on the application was different. They also showed me an itemized bill There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for AMEX. I have never applied nor used their CC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Received targeted mailing offer from American Express for Delta Skymiles Platinum card. No terms and conditions listed on mailer about credit hard or soft pulls required for approval. Called Amex on XX/XX/XXXX and spent over an hour talking and being transferred to 5 different people with NO ONE being able to give any clarification on a credit pull being done or not done for applying for the card. I believe this to be a FCRA violation as the consumer has no way to know if credit will be pulled or not during the application process until after approval or denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not applied for these accounts. Please remove them as soon as possible from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: 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: FL

Complaint narrative:
I did not applied for these accounts. Please remove them as soon as possible from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$130.00} XX/XX/XXXX 5 )  XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX  XXXX {$1100.00} 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 explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX  XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX  {$130.00} XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} 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 explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used it and my signature from the one on the application was different. They also showed me an itemized bill There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for XXXX XXXX. I have never applied nor used their CC.

Company response to consumer: Closed with explanation