vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I claimed chapter XXXX bankruptcy in XXXX of 2014 and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Claimed chapter XXXX bankruptcy in XXXX of 2014 it has been discharged and still says open on report, also still on report doesnt chapter XXXX fall off after 5 years. I know a chapter XXXX takes 7-10 years to fall off.

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.

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 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland funding llc is trying to collect over 500 in debt that i have no knowledge of i have not signed any contract with Midland funding llc nor have i entered any contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
American Pacific Mortgage, ( APM ), is making a Demand for {$13000.00} in Insurance Premium. 

APM is stating on XX/XX/XXXX that the Property Owner 's Casualty Insurance underwritten by XXXX XXXX underwriter XXXX XXXX in California is " Canceled. '' APM asserts that it called the Insurer XXXX by telephone and has documentation from said insurer that the casualty insurance policy is canceled. APM refuses to share this documentation. 

XXXX XXXX has provided documentation on XX/XX/XXXX that all Casualty Insurance was paid in XX/XX/XXXX and is in full force through XX/XX/XXXX or paid in full for the entire contract year. 

We have all documentation showing that Casualty Insurance is paid for the entire Annual Premium into XX/XX/XXXX, that no lapse in insurance coverage has ever occurred, that APM assertions are erroneous due to either their inattention, inadvertence, neglect or willful negligence and fraudulent conduct. 

APM actions violate Federal and State laws, may constitute consumer fraud against the insured and attempt to EXTORT premium inappropriately from a Senior Citizen and USA Veteran of XXXX XXXX. This is easily elder abuse and consumer fraud. 

This conduct on the part of APM, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, is exactly the same conduct that the separate XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX in Minnesota and its XXXX XXXX, Iowa customer service department engaged in around Year XXXX. 

These Federal Mortgage Lenders are engaging in EXTORTION of Egregious Insurance Premiums from consumers who have already paid for their own Casualty Insurance. 

We understand that the current Federal Administration has fined XXXX XXXX XXXX in the amount of {$8.00} XXXX dollars in around XXXX for similar actions. 

We were attacked on 2 properties in XXXX with excessive Insurance Premium Demands, which is extortion. 

In one case at XXXX XXXX XXXX, XXXX, CA XXXX, the payments were prepaid by over {$15000.00}, while XXXX XXXX demanded another additional {$13000.00}. Noone in the Obama Administration, nor California government, did anything to stop the criminal fraud and wrongdoing that occurred from XXXX forward. We still seek redress for the theft of our XXXX, CA homestead where over {$400000.00} of 30 years of hard-earned equity was outright stolen from us, with foreign nationals now living in our custom built homestead. 

This fraudulent pattern can not repeat. What APM is doing to XXXX XXXX, USA Citizen and USA Veteran, is exactly what happened in XXXX : A Demand for Over-payment of Insurance Premium with an egregious Demand amount. 

Thank you for any assistance. 

Very Sincerely, XXXX XXXX, Owner, Trustor and Insured. 
XXXX XXXX XXXX, XXXX and P.O.A. for The XXXX and 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 explanation
Consumer complaint received 2020-08-07 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I tried to revoke the authority of a merchant to charge my credit card. After weeks of trying the merchant will not return my calls. As such I called my credit card ( Wells Fargo ) to tell them to revoke the authorization of the merchant to charge my card. Wells Fargo refused to comply and stated that the merchant can charge what they want even without my authorization.

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 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
ACCOUNT RECOVERY SPECIAL XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, KS XXXX The company above has 4 collection accounts listed on my credit. 
I contacted them yesterday at XXXX XXXX central time in an attempt to pay off all 4 of these collection accounts. 
When i called the guy went through the " This is an attempt to collect a debt '' asked where i work, where my wife works, what my number is, what my address is .... 
I proceeded to tell the person there are 4 accounts on my credit I would like to pay off. 
He refuses to let me pay them off, insists that I owe XXXX, that the bills are mine and my wife 's and insists I need to set up a payment plan to pay them all off I said to send me an itemized list of the other amounts that he claims I owe because I know nothing about them but i want to go ahead and pay off the ones that are showing on my credit. 
He tells me I need to pay them all, that they have sent bills and allegedly left messages on my phone and since none of the bills had been returned I owe them and must have received them or something. 
I tell him I have no idea what these bills he says i owe are, to send me a list, he then starts talking over me and keeps trying to force me into agreeing to do a payment plan, at which time I told him I'm not doing this and hung up on him. 
This guy wouldn't even let me pay the bills I know of, and refused to provide any proof of any other bills he claims I owe, and was also holding my credit ransom over my wife 's bills he claims she owes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & weiner company is trying to collect a debt that i have no knowledge of i have never signed any contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I have a loan with ( Original Creditor : CHECKSMART ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ( Original Creditor : CHECKSMART ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
After using a credit card for cash advance, my wife and I were shocked to see the fee that was charged to us by the Citi credit card company. I corresponded with the credit card company via their app. The corresponding customer service agent responded that the fee that was charged was in the cardholder agreement. When I responded that the cash advance fee increase associated with the credit card had never been communicated, he referred me back to the cardholder agreement on their website. This is a XXXX XXXX card that was automatically issued when Costco converted from honoring the XXXX XXXX card that we had originally. 
When I explained that I had never seen this fee, I was referred back to the cardholder agreement on their website. I think that the previous original cash advance fee percentage was 3 % and not the 5 % that I was charged this time. There is no way for me to confirm or were they able to verify when the increase was made. I am willing to pay for the lower percentage but feel that being charged for the higher percentage that is arbitrarily set by the card company without proper notification is unacceptable.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX i became a victim of identity theft. My credit reports had multiple entries for credit that i didn't make. Several of which were for Bankruptcies that im not responsible for. On or about XX/XX/XXXX i filed a police report for identity theft and a complaint with the federal trade commission. There after, i forwarded copies of my FTC Affidavit to all 3 credit reporting agencies XXXX, Transunion and XXXX. Transunion is still holding this fraudulent bankruptcy on my credit report. On or about XX/XX/XXXX i applied for credit with XXXX XXXX XXXX XXXX an i was denied because of the bankruptcy being held on my Transunion 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 2020-08-07 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: TN

Complaint narrative:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB Repr. The response providsed by Citibank is incorrect. Before making payment I called Cityibank and spoke with representitive who told me that first payment was going to be credited on XX/XX/XXXX instead of XX/XX/XXXX ( 2 days earlier ) and second, that payment was going to be applyed to the balance that was expiring on XX/XX/XXXX. Two weeks ago I spoke with Citibank in a regard to recording of my conversation and I was told that Citibank would proivide it but they have not so far. Recording of my conversation with Citibank will show that Reprsentitve mislead me and therefore payment was applied 2 days earlier. If representitve had not told me that payment was going to apply to other balance i would have waited 2 days and make payment later. Therefore, Citibank must provide recording of conversation to proof that there was no misleading. Please ask Citibank to provide recording. Thanks, 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 2020-08-07 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: CA

Complaint narrative:
For many years I have never been able to obtain a decent credit ; since many companies when reviewing the credit through this platform my record for more than 10 years has always been very negative and therefore I have been denied credit ; I currently have and credit through my son ; which has made me an authorized person ; But that makes it difficult for me to want to buy or rent a housing unit, in other Credit Record companies ( XXXX ; XXXX and XXXX XXXX they have an updated record less Experian ; and they require me data that I consider of private use as a copy of my ID and Social Security card ( I ask WHY ) On many occasions I have received notifications and letters of Judicial Agreements in which Experian has been sentenced to pay many fines for violations of its servers, of which personal information has been stolen from many people ; And so I think that my information could be affected.-

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I am in an approved COVID relief payment option, when i called to see what options were available, i was offered to skip payments for XXXX, XXXX and XXXX. Each month i called and messaged checking on the status, and what options were available after. When i finally heard back from someone in their special assets team ( after over a dozen requests via message and calls to the number XXXX ), i was told i was approved for a reduced payment program, and to pay {$190.00} per month. I promptly made the payment by check ( attached ). Also attached is the XX/XX/XXXX letter confirming my approved payment status. 
I received an alert on my credit report today, to see i have been reported 30 days late?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES 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 2020-07-27 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 2020-07-27 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-07-27 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation