vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fairway Independent Mortgage Corporation
State: TN

Complaint narrative:
I have contacted Fairway Independent on several occasions to dispute this matter. A matter that has been reporting on my credit report since XX/XX/XXXX that I have no relocation of how it even got onto my report in the first place. At Fairway Independent Mortgage I spoke with XXXX XXXX about the issue I stated that I will file a police report on this matter, Ms. XXXX stated that would be good and once I have the police report to email it to her at XXXX. On XX/XX/XXXX I  contacted XXXX Police Department and they stated that because of the address listed on the credit report which is listed as XXXX XXXX XXXX. XXXX, WI XXXX. XXXX PD stated it was out of their jurisdiction that I had to contact XXXX PD. I contacted XXXX PD the officer who took my information sent an officer out to that location and it was determined that this address did not exist under this company name. I sent this information to Ms. XXXX and she put me on the line with Ms. XXXX XXXX who was not able to solve any of my concerns either instead of her solving what concerns I had she kept asking Ms. XXXX if she had any more questions. Now first and foremost it is against FCRA, 604 Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of {$1000.00}. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 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: VA

Complaint narrative:
On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my Experian and XXXX  credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Attention CFPB THIS IS NOT A DUPLICATE .CFPB COMPLAINT # XXXX. 
This complaint involves Wachovia na banking officer XXXX XXXX authorized an account in my name. This us going to be a substantial link to my identity theft. file # with the FTC # XXXX. 
PLEASE issue an appeal in this matter. I have never submitted this complaint as such. Why would the cfpb mark this as a duplicate. Please explain. Please resubmit t Wachovia na. 
Respectfully

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 2020-02-24 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: VA

Complaint narrative:
On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my XXXX  and Equifax credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Spoke to XXXX. I asked HOW DO PERMANET CREDITS APPEAR ON MY STATEMENTS? XXXX replys, THEY WILL SAY SECURITY ADJUSTMENTS. I respond Oh, I do not think I have ever had any of those on my account. XXXX, No you have not, WERE YOU EXPECTING ANY? See attatched Fraud Claim Letter. XX/XX/XXXX fraud claim date XX/XX/XXXX, XXXX {$470.00} Temporary Credits Made Permanet.??? See attatched XX/XX/XXXX statement TOTAL CREDITS {$340.00} all merchants credits. XX/XX/XXXX TOTAL CREDITS {$350.00} my payment. XX/XX/XXXX TOTAL CREDITS {$620.00} {$500.00} my payment {$110.00} merchants. XX/XX/XXXX TOTAL CREDITS {$48.00} merchants credits. XX/XX/XXXX TOTAL CREDITS {$450.00} {$77.00} my payment {$380.00} merchants XX/XX/XXXX TOTAL CREDITS {$910.00} all merchants credits. To XXXX I ASK, Where are USAA CREDITS TO REVERSE {$2.00}, XXXX * IF NO USAA CREDITS WERE EVER MADE PERMANET USAA STEALS MERCHANTS CREDITS OR MY PAYMENT AS THEY ARE THE ( ONLY CREDITS ON THE ACCOUNT ) AND THEN I GOT THE DIALTONE. THE TRUTH, WHOLE TRUTH, NOTHING BUT THE TRUTH, SO HELP ME XXXX.??? THERE ARE NO USAA CREDITS MADE PERMANET TO REVERSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit and XXXX  issues because of high levels of stress. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. 

As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Free Credit Reporting Act by reporting false and erroneous information. 

I demand a deletion letter from this company so this item related to FRAUD gets removed from my credit report. The account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. If The Best Service Copmpany denies a deletion letter, I am willing to take this issue to the next level and let a court judge to decide. I am sure that the list of violaitons will go up once I talk to my attorneys. 

Attached : Letter sent to XXXX XXXX XXXX  on XX/XX/XXXX and FTC 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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-24 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: CA

Complaint narrative:
have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX.   The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-24 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: CA

Complaint narrative:
have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an AmEx platinum card. The reward program is supposed to earn 5x points for airfare. In the past, all tickets purchased through amex directly, the airline directly or a travel agent have accrued 5x points correctly. This month I purchased airfare from XXXX and even though the transaction was reversed when I canceled my trip, the points accrued at the correct 5x rate. However, the same itinerary purchased via a travel company called XXXX is only accruing points at 1x.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I received a notification on XX/XX/2020, through my credit cards credit report tracker, that a new account was added to my credit file in the form of a new collection account that I am not aware of ( XX/XX/2020 ). These are the details of the new collection account that my credit card provided below : Account Details : Bureau Name : MIDWEST RECOVERY SYSTEMS Original Lender : XXXX XXXX XXXX  Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$280.00} Amount due : {$310.00} Payment Details Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported I have no knowledge of this account and received no correspondence from Midwest Recovery Systems about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: MD

Complaint narrative:
I have tried to resolve my problems with EQUIFAX but they continue to retaliate against me for REPORTING them to the CFPB. 
I informed them that there were irrelevant items on my report and that I was in the process of filing litigation because they refused to fix the errors.After informing EQUIFAX about it they immediately increased my score by the 36 points that they had decreased in response to being awarded a XXXX increase on my credit card for maintaining good payments. 
Since then I have informed them of additional items that were on my report that had been removed in XXXX by XXXX XXXX, acredit repair company.I just found out that EQUIFAX did not remove them. 
I disputed the ancient and irrelevant accounts. One of the accounts was removed on the XXXX XX/XX/XXXX. 
That account, named XXXX was transfered to XXXX  on XXXX XX/XX/XXXX for unknown reasons. XXXX then immediately decreased my credit score by 36 points as a result. Seemingly the same 36 points that were TAMPERED WITH by EQUIFAX. 
It's obvious that there is tampering and malicious interference in my credit reporting of my score. I have no choice but to begin a lawsuit that will include XXXX. They are sabotaging my accounts because of my continuous reporting to the CFPB out of sheer retaliation. I have consistently reported infactions related to my account and in return receive improper treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I think XX/XX/XXXX, I dropped my wallet and someone used my XXXX Credit card. It was reported to them and they closed the account. This ended up on my credit report and disputed and found that there was fraud on the account. XXXX  removed it in XX/XX/XXXX and it was placed back on 2 yrs later. Was disputed again and it was recently removed again. The new name is now Cache LLC for {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
We were out of town for my grand baby funeral.When we arrived home a week later.I turned on the answering machine.I heard a message from Citi My Best Buy Visa Card, they were stating that my card was being used and that it was possible fraud charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card. I didn't know my card was being used until I heard the message. I told them the same thing Iam telling y'all.They denied the claim and now I been paying on charges that I didn't make the balance is XXXX I kept calling them to reopen the claim they said it was out of their hands, they gave me a address that wasn't good.I called Citi today to get the correct date when all this took place it was XX/XX/XXXX.XX/XX/XXXX I made a payment for {$43.00} on XX/XX/XXXX I made a payment for $ XXXX.I couldn't understand why the payment jumped up so high before the {$550.00} they XXXX  everything out than rebilled me.I owe them {$550.00} and the payments I made going to the fraud charges not my balance. I continued to call them still not getting anywhere, no one wouldn't reopen the case.Iam reaching out to y'all for help. I pray this don't happen to nobody else.Thanks in advance.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have Bank Of America accounts in my XXXX  credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to Bank Of America account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt

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 2020-02-24 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This contract is void .... Car not sold as priced on website or as discussed deal was under 10000, XXXX was the price discussed. Protection plan added to life of the loan over a term of 72 months, finance charges totaling to be XXXX witch was not agreed to. Please remove all Protection plan cost and request re-write of loan agreement to price listed on webpage as of the date of purchase. The term of loan on contract is 72 months, on the billing statement it says 73 months. Please remove all extra charges and protection plan, re-write the loan at purchase price and term agreed and if possible maybe even 60. I was thinking the amount I saw included interest and fees until i got the bill in the mail. Thank you. XX/XX/2020 .... ( lender ) American Credit Acceptance ( Dealership ) XXXX XXXX, XXXX XXXX XXXX, TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Lending Club Corp
State: AK

Complaint narrative:
Lending Club locked me out of my account since I cancelled the loan. They gave me until XX/XX/2020 to pay back the loan, and then they locked me out of my account. I'm facing fees from my creditors to give them their money back. I cancelled the loan because they misrepresented the terms. And I cancelled before any of my creditors were paid. They approved a loan for {$20000.00} at 16 % APR on a 3 year loan. What I got was {$19000.00} at over 22 % APR. My account even said " {$20000.00} at 16 % APR. It was a total lie, " no hidden fees '' that was a total lie. I already filed a complaint about this and since then, I've been locked out of my account. They emailed me a notice that I had to pay back the {$19000.00} by XX/XX/2020. Then they emailed me a notice that they were going to take automatic payments out starting XX/XX/2020 for {$660.00}. When I call, they leave me on hold. Doing business with these XXXX was a big mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
On it around XX/XX/XXXX I was contacted by title max XXXX XXXX ( XXXX ) XXXX XXXX and XXXX  XXXX AZ he asked if I was interested in a better title loan with more affordable payments interest and a little more money. 
I had several times refused but went and seen him at his place of work title max he talked fast I told him I was on limited very limited income. XXXX due to my need he quoted me a amount that my vehicle wasnt even in the blue book for and I took a loan for more than I could possibly afford. I told him days later if my loan wasnt to start until XX/XX/XXXX then why was I being charge interest on this loan he was then calling me a complainer and became very rude I contacted XXXX XXXX XXXX to do a buy out to try and find a way to pay this mo eat back this due to this put me into a hardship that was abusive loan and shouldnt have ever happened by this or any company I did the buy out from another company but truly believe title max and Mr. XXXX should be liable for this loan do to abusing what I couldnt even afford and he new he was conning me I need help first of getting my interest back I paid for having the loan a week and also for having to pay off the current buy out and pay this loan for abusing power and I believe this has to be illegal to do I make such a small amount he set me up to fail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX  XXXX XXXX accounts in my experian credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to XXXX  XXXX XXXX account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt

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