vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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:
SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-17 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: CORELOGIC INC
State: MO

Complaint narrative:
Customer service would not help and take care of the negative inquiries reporting to my credit report. 

CREDCO inquiry date XXXX XXXX XXXX inquiry date XXXX XXXX/XXXX inquiry date 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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I was a customer of XXXX XXXX for Internet services from XX/XX/XXXX to XX/XX/XXXX, I was at XXXX XXXX XXXX XXXX. XXXX XXXX didn't send me bill for the first 3 months and did cut off my XXXX, when i called they said i didn't pay the bill. I asked for email communication of the bill than paper and also mentioned that i did not receive paper based bill. 
When the representative double checked they told me that they had wrong address in the file. Later i cleared the bill, this happened multiple times, NO bill to address, NO bill via email or link to pay but they say all of a sudden i owe $ XXXX {$250.00}. But i made sure that i pay it. 
Finally, when i moved out of the house there was no balance is what i thought, as i called and cancelled the service too. An year later, around XX/XX/XXXX i got a call from collection agency, i reported dispute saying that, XXXX never sent bills and asked me to pay. Later the collection agency called and said your credit will be effected we will report it and i told i'm fighting for it you can not report until i get answer. Later to save my credit history i paid the amount. 

Today, i still see that in my collection account and as derogatory mark which is hurting my credit score very bad. I'm frustrated on the collection agency and XXXX XXXX for poor communication and even after i paid the amount having record. 
I'm sure they must have had all the recording of my phone call, and if they could provide them i can show you how many times i corrected the address and they had wrong one and didn't send me bill. Please help me clean this dispute from my credit for something that the service provider and their poor workforce done mistake.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am undergoing the home loan process and as part of underwriting the loan provider found one of my student loans has not been reported on since 2014. I receive updates from Wells Fargo regarding the status of the loan, and have been trying to contact them to verify the status of the loan ( payments, balance, etc. ) but they have not responded to my attempts. 

This loan was originally through the XXXX XXXX, but now is serviced through Wells Fargo. Frankly, I am doing this because I dont know what else to do. I have tried calling Wells Fargo but nobody there seems to know anything about the loan, and my emails to the individual who has sent updates in the past ( XXXX XXXX ) have gone unresponded to, and at this point I am starting to get genuinely worried that this is going to ruin my attempt at purchasing my first home.

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 2020-08-17 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: GA

Complaint narrative:
The companies are reporting inaccuate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: GA

Complaint narrative:
The companies are reporting inaccuate items 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 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NV

Complaint narrative:
Union Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX does not answer the phone. My bank can not get mortgage payoff information from them and suggested I try. I've been on hold for 1 hour, 15 minutes and counting. I find this unreasonable customer service. It is holding up my refinancing. Of course, they continue to get 4.5 % while I wait for them to answer the XXXX phone.

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 2020-08-17 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: IL

Complaint narrative:
On XX/XX/2020 I sent Equifax a request to verify information by sending me the original agreement with signature in regard to the debt collection account XXXX XXXX for {$10.00}. However, I have not received the results, the original agreement, or a confirmation for receiving my request. It has been more than thirty ( 30 ) days since my request and I have not received the results. Today, I called Equifax and they were unable to verify, or locate, the results or when it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: WV

Complaint narrative:
I am a XXXX female XXXX veteran. I acquired my illness during an injury in XXXX. We moved to be closer to family and needed cell phones for emergencies. I am only XXXX and have had XXXX. The local XXXX office stated outstanding coverage in our rural area. At first, my phone didnt even work. Returned it only to find that there was no coverage where we live and my teens, husband and I had no way to reach emergency services, or keep communication with my physicians. 

Local office took an additional {$400.00}, we returned phones and it was supposed to be done. This was in 2007. Instead, it pops up for over two grand on my credit reports. 

I need to move closer to medical facilities to prolong my life. Instead, XXXX through the XXXX ( XXXX was sold years ago ) thanked me for my service despite knowing this information and refused to remove it. The first call was from XXXX XXXX stating it was wrong and they would fix it. Weeks later, she called to say she talked to the parent company who said they wouldnt remove it. She would not give me the contact info for this person. 

It is wrong, greedy and keeping me from seeing my youngest graduate high school. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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 filed a XXXX complaint against XXXX in XXXX for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the XXXX app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a XXXX XXXX account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX complaints this was resolved since XXXX is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). Transunion is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX is showing the correct 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 2020-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was requested to provide proof of insurance for a commercial trailer and have done so multiple times starting about XX/XX/2020. On XX/XX/2020 the lender placed additional insurance with a deductible of only {$200.00} and a cost of {$4400.00} for one year of coverage and added the balance to my loan when they only require a deductible of {$2500.00} and shouldn't need this added insurance anyway. I'm now trying to both get the deductible increased until I can just payoff the loan but can not get any assistance with this from the lender or the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TX

Complaint narrative:
To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent previous letters, disputes and complaints to you, questing that you remove inaccurate and non-factual information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to reinvestigate the items. My previous letters, disputes and complaints stated my reasons for an investigation and these reasons were not frivolous in any way. 

For the last time. I asked that EXPERIAN investigate the following and not by E-OSCAR. These items need to be investigated by a person physically lookinbg over whatever documents the creditor has. The following items ; XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, OFFICE OF THE ATTY GENERAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX. Since I have filed a number pf letters and complaints against EXPERIAN you should have in your records the reason I have filed disputes for the accounts listed. I will not provide them again as I have over and over and over again. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TEXAS for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

I anticipate your response. 

Sincerely, 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 explanation
Consumer complaint received 2020-08-17 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a Chase Southwest account in XX/XX/2020. At the time, there was a XXXX mile bonus. We received that. Then, on XX/XX/XXXX, another incentive was released : Additional XXXX points if you spend {$5000.00} in first 6 months. 

I called and inquired about that ( the additional XXXX points ). It's on my file and a representative told me I must call back to redeem the points. 

We have met the spending threshold. I called back. 

For some reason, they are refusing to add the additional points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have called XXXX XXXX ( comenity bank ) numerous times as well as sent in a letter asking them to waive my late payments in XXXX and XXXX due to my husband being laid off from Covid. I have received nothing back from them and different responses from each customer service agents. I have since paid off the credit card when we got back to work but would like for them to waive the late payments as it has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Nothing was done based on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was led to believe that if I opened a Chase savings account, I would be eligible to receive {$200.00} in bonus funds after 90 days. After having been led into opening the account, I was told after-the-fact that the {$15000.00} required to be deposited can not come from any other Chase account. 

I was misled into creating a useless savings account vehicle I do not want. This reminds me of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Submitted a charge-back [ In XX/XX/2020 ] for a purchase [ made in XX/XX/2020 ]. XXXX Barclay ( Mastercard ) has denied the charge-back multiple times now, each time with a different excuse. 
The purchase was a countertop with a specific design, the vendor ( XXXX ) came with the wrong design. I contacted the vendor and they claimed they don't issue refunds, and if I'd like I can go to their warehouse and pick up the wrong item. 

I contacted XXXX Barclay ( Mastercard ) and submitted a claim. They closed the claim multiple times for different reasons. Culminating in a final notice stating that there is nothing else they can do, but if I'd like, they can call the vendor ( XXXX ) for me to try and get a refund, but they will not be approving the chargeback.

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 2020-08-17 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a notification that Ally reported to the Bureaus that my load was paid and previous balance was outstanding. This dropped my score by 28 points not positively impacting my credit.Our loan with Ally had been perfect never late.

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 2020-08-17 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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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