vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under AFNI  , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as AFNI, Inc.had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it may concern, I wish to complain about a horrific encounter XX/XX/2020. Yesterday evening, I called Portfolio Recovery Associates @ XXXX Eastern Time. I contacted Portfolio Recovery Associates to try and negotiate a collection debt and I was made aware that what I was trying to pay can not be accommodated. I then asked if I can have any contact information for the CEO, XXXX XXXX of Portfolio Recovery Associates. Instead I was transferred to one of the managers on site that was completely and utterly disrespectful. This " manager '' was very discourteous and unfortunately I was unable to get his name. When I asked to speak to his manager he told me was that he will not forward my call to his manager whose name is " XXXX XXXX '' and hung up on me. I have never in my life encounter such disrespect and felt so LOW in my entire life more so during times like this. 

I am a single mother and struggling financially. I want to change my life around and build and set new goals. I am looking to eventually start saving for my future home buying process for my XXXX XXXX and I. So I decided to start at Portfolio Recovery to clear these accounts instead of filing for bankruptcy. I hope that this problem gets resolve and pray and hope that no one gets this type of apathetic experience like this ever again. I sincerely hope that there is redemption and am pleading for such consideration for how your staff made me feel and my dignity. If any additional information is needed, please feel free to contact me at any time. Thank you for the time you spent reading this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I was made aware of a sign up bonus of XXXX for {$3000.00} so I purchased a XXXX XXXX. I never got said bonus. I tried to get help via their in chat help service and was told I spent {$3900.00} but my promotion was for {$4000.00} and XXXX points.Two Supervisors did not resolve the matter. I was then told on the phone with a love person my promotion was actually {$4000.00} and XXXX points but that I only spent {$3500.00} and I couldnt speak to a supervisor because I had already spoken to 3 ( I only spoke to two, in a chat room ) supervisors. I then notified them I would be filing complaints and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/2020 - I was notified by the XXXX XXXX U. S. Bank branch that a woman in XXXX  was standing in their branch impersonating me. She stole {$1500.00} from my savings account. The suspect was not stopped by the branch and police were never called by the branch. I live in XXXX. I filed all the necessary fraud paperwork per U. S. Bank rules. I submitted it to their fraud dept and to both my local branch and the branch where the crime occurred. I contact both police depts and filed reports. U. S. Bank is now refusing to give me my money back. I worked so hard to earn my money. How can they victimize me again and steal my money. Is it legal for them to refuse to give me my money? Help me please!!!!! I have bills to pay.

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 2020-07-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed a charge for hotel reservation XX/XX/XXXX. The hotel is closed and there is now way to use the reservation. On XX/XX/XXXX I received a email letter from Chase claiming that the charge was valid and I had to pay. I called to explain to them that the hotel was closed and there is now way to use it ( I told them this the 1st time also ). They informed me I had to fax or mail in a statement claiming this and they directed me to a Chase Branch that could do this for me so I did. I went to the branch on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX. I spoke with the manager and explained the situation to her, she did the fax and gave me a confirmation. I called Chase on XX/XX/XXXX @ XXXX to check on the status and now they are claiming they did not receive, I explained to them I had proof it was received and that it was a CHase branch that sent it in. XXXX who claimed to be a manager told me sorry but I would need to re fax, I asked what if you dont get it again he replied saying then you keep faxing it until we do. I feel this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC
State: CA

Complaint narrative:
I received a letter from Credit Control LLC of XXXX MO. The letter states that " per our conversation, you have agreed to pay $ XXXX  monthly ''. I NEVER talked with XXXX XXXX, the author of the letter, nor anybody from the company and I NEVER agreed to make payments.

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 2020-07-21 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: Lincoln Educational Services Corporation
State: TX

Complaint narrative:
Lincoln Technical Institute continues to report my payments as late although they are being paid prior to the 30 day delinquency period. They are reporting my payments for XX/XX/2020 and XX/XX/2020 as 30 days late when in fact they were not 30 days late! The payment date for both payments is the XXXX of each month however I was told by my account manager XXXX XXXX that if I pay prior to the last day of the month, no negative report will be made. I paid XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX both prior to 30 days after my due date. I called them and they advised me to dispute it. This is a disservice because they are reporting these payments as 30 days late and refusing to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: AZ

Complaint narrative:
On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX XXXX XXXX XXXX. These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY 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 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked numerous times for TransUnion to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. TransUnion has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is 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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
To Whom It May Concern : I feel that Ally Auto Finanical Bank is weaponizing the late fees and brutally attack my credit report, with no form of ethical stance about the current COVID-19 pandemic. I was charged a late fee of {$65.00}, I called and emailed them on multiple occasions to have them remove the fees, they said no. I also called to have them reduced their APR of 17.59 %, with Finance Charges YTD of {$860.00}, by asking them for a refinance, they said no as well. Now, correct me if I am wrong, I think this pattern of behavior is unethical.

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 2020-07-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my TransUnion, XXXX  and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX   which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.

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 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX and my closing was completely botched and both myself and my parents wasted a half day attempting to close on XX/XX/2020 with XXXX XXXX of Wells Fargo Home Mortgage ( XXXX ID XXXX ) and she was completely unavailable/unresponsive during closing. 

Ultimately there were issues with the paperwork that she messed up and as a direct result we were unable to close. My closing was pushed out a week where I needed to take another half day to go back and try to close again which happened on XX/XX/2020. 

Additionally there was additional interest accrued on the old mortgage/new mortgage because it was not paid off on the original date that I am now directly responsible for paying because of this lack of professionalism. We were not reimbursed for this failure and XXXX XXXX refused to acknowledge the issues. The closing lawyers at XXXX XXXX XXXX. filed a formal request for reimbursement due to the incorrect paperwork and it was rejected. 

Wells Fargo sent a letter apologizing for the issues a month later, however no reimbursement for lost money or time was ever given.

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 2020-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: AZ

Complaint narrative:
On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX ( XXXX ). These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.

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 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX decided to contact the CFPB regarding an issue with a collection name FINANCIAL ASSET MANAGEMENT SYSTEMS, on XX/XX/2020, I sent them a letter, attached is the previous letter I mail to them for your reference. On my letter, I stated that I disagree with the offset of my refund of taxes, wrote them that I have called the number provided on the letter they sent me, to the Requesting Agency and also called the IRS office in regards to this debt/bill. And neither the Requesting Agency nor IRS has an actual bill or something showing this supposedly outstanding debt that they are claiming I owe. I have asked for a copy of the bill that they claim I owe that would actually show this debt and they both have told me they have nothing to send to me showing an actual bill proving that I owe this debt. The reason is because I do not owe anything to any company nor health insurance. I really appreciate all your help and assistance with this matter.

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