vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
During the months of XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I am enrolled in XXXX XXXX credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score.

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to Wells Fargo before the Chapter XXXX  bankruptcy has gone of my report. I'm confused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I want my government to protect me as I protected it with 2 XXXX  XXXX  and 2 XXXX  XXXX  and a soldiers XXXX XXXX XXXX I want my government to take action on their DATA BREACH. 



Equifax : I can not reach them by phone or online. When i try online it tells me to call a number. The number does not give a HUMAN BEING just a recording. It tells me I can not complete my request and I have to fax or mail. It does not tell me what to mail. 

I have mailed 4 times and no response. 
I was involved in THEIR INCOMPETENT DATA BREACH. THEY WILL NOT CONTACT ME TO FIX THEIR MISTAKE. This is costing me thousands of dollars They have made no attempt to help fix what their BREACH caused. I would like you to pull their license to operate in Tennessee or tell me what Court to go to and I will if you can not. There automated XXXX does not work and it just cost me XXXX. 
I need help from my government I need it now or I will go out of business My contact information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
XXXX XXXX kept poor account records, double billed for procedures, failed to submit insurance claims fully, in a timely manner, or at all, and engaged in questionable billing practices. I notified XXXX XXXX that I was moving to another state and they settled my account. A year after the move, XXXX XXXX called about a past due amount. After discussion on two separate calls, the account was again cleared as settled. After nearly a year, XXXX XXXX submitted a claim, without notice, to Capital Accounts for collections on the debt it had already stated was cleared. 

I immediately disputed the debt with Capital Accounts. Capital Accounts failed to immediately provide alleged evidence of any debt. When it finally did so, the information it provided did not clearly show an accounting of each transaction. Without critical analysis of the account statement provided by XXXX XXXX XXXX office, Capital Accounts validated the debt. However, after a critical analysis of the debt ( attached to this complaint ), the account record provided by XXXX XXXX XXXX office shows a number of accounting errors and inconsistencies, and questionable practices that refute the existence of any debt at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
Insurance information was provided multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i submitted a dispute with my credit card company as i was overcharged for a service i subscribed to. i provided substantial documentation demonstrating my overpayment, including documents from the XXXX  XXXX  XXXX indicating this company indicating that they XXXX  had an active alert on this company for overcharging customers per the terms they present to customers. the reason my claim with my credit card company was denied was because they stated i could not provide them with a copy of my original receipt. however, the only receipt i was provided was a screenshot i took on my phone at the time of purchase. this was the only receipt i ever received from this scam company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I  am enrolled in Experian 's credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score. 

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to XXXX XXXX before the Chapter XXXX bankruptcy has gone of my report. I'm confused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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:
During the months of XXXX XXXX- XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX XXXX XXXX Finance ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
During the months of XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION
State: CO

Complaint narrative:
Was preapproved for up to 10k on or around XX/XX/XXXX Sent in all requested info and allowed them to run credit score. 
Told I did not qualify. 
Asked them then to remove credit score checks from my account .... they declined I wouldnt have let them run my report and get another ding if I new I wouldnt qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: MN

Complaint narrative:
I have fraudulent credit inquiries listed on my Experian credit report that are unauthorized and not my credit inquiries. The following credit inquiries from XX/XX/2019 are fraudulent and unauthorized : XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a Washer and Dryer from The Home Depot on XX/XX/XXXX. The washer and dryer were already 10 % off and there was a deal going on that if you opened a credit card through them you would save an extra {$100.00}. The employee called their credit card company to ensure I would get the {$100.00} off if I opened an account with the washer and dryer already being on sale. He was told yes and I would notice the {$100.00} credit within a month or two on my billing statement. Now the credit card company is refusing to honor the {$100.00} credit because they said I already got the 10 % discount. They even have record of the sale associate calling and asking. They say they were not completely aware that I was already receiving the 10 % discount. Which is unfair. Because they gave out the wrong information, I should not lose my {$100.00} discount. I would NEVER have opened an account through them if I was not promised the discount. I've been battling this issue since XX/XX/2019. Through both email and phone. Tomorrow my promotional deal ends. I do not want to pay the extra {$100.00} yet I do not want them to add on interest rates for not paying. I just spoke with a supervisor today and she was extremely rude and said she will not help me and I was told I wouldn't get the discount in XXXX and she was done with 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 monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
To who it may concern. On XX/XX/2019 XXXX XXXX  PST I made an international money transfer using Remitly to a friend in XXXX in the amount of {$430.00} USD which emulated to XXXX in XXXX currency. The transfer number was [ Transfer No. : XXXX XXXX XXXX XXXX ]. the recipient didn't receive the transfer and called them to notify the problem. They said it went through I should send a bank statement as proof which I did. Within 8 days of this still didn't hear from them. Made various calls within this period to resolve this but they don't seem interested. I would like help on how to proceed with this matter. Note : password in the uploaded bank statement is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The scammer originally convinced me I was being sought after by the FBI, for an XXXX-related case. While they never identified me by my real name, they did seem legit because they were spoofing from XXXX, which is the General Washington DC Court for Criminal department. So what I did, I called the actual department back and they confirmed 2 things : the agent whom I spoke to does not exist in their database and second, that they would never ask for my identity let alone ask me for money over the phone. After putting this all together, I had already submitted {$5500.00} dollars to the scammer to " avoid being part of the list of suspects ''. I was caught up in all of this from using a fake phone number app, and the scammer stated I would be traced back and arrested based on geolocation from the use of my number in that app. This scammer is out there doing this. I have the scammer 's email, their phone number, and also a receipt of one of the transactions to track this scammer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a card Chase XXXX card on XX/XX/XXXX over 30 days ago, got email saying they go application. Never got informed reason it was disaproved. Never got a written reason why. After complaining, I got a call from them and the caller talked so fast that I was unable to understand the phone number to call. I have a regular Chase Credit card and a credit score of over 790. I tried over 3 times to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX responded on XX/XX/2019 with bullet numbers. However number 18 stated the following response. XXXX XXXX XXXX , XXXX would happily work with XXXX to facilitate payment and remove any derogatory remarks. 

On XX/XX/2019 {$83.00} had been paid and one account had been paid in full. 

Instead the 2 account have been reported on my report again instead of the balance owed after payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC
State: MN

Complaint narrative:
This debt was placed for collection on my credit report. I never received communication from the company or collection agency. I became aware of the debt through my credit report and was not aware of either business. I filed disputes to remove the information from my report. I contacted the collection agency to obtain the documents. The documents held multiple handwriting samples. The information was not completely accurate. I have been victim of multiple data breeches. The documents do not hold my signature. I was not sure what to really do about it. I keep filing disputes on XXXX. XX/XX/2019 two collection accounts now appear for different amounts from the same company. I research find the FTC. I file a report with the FTC and follow the instructions. I have now had other issues affecting my accounts not just McNeil and Meyers. My first contact with McNeil and Meyers was good. I was advised to file a police report. I attempted to file the police report and the officer was not very helpful. I called and spoke with a different office the police officer spoke to and was treated unkindly. The representative XXXX XXXX would threaten me knowing I filed a police report for Identity theft - it is a felony and I only have to call the officer and let him know. It is not my signature on the document. XXXX XXXX would later agree it is not my signature ; want me to commit fraud by paying {$1200.00} and she would write it up I paid over {$3000.00} so I could sue the individual who signed the document. I had until XXXX to pay or she would send it to processing. They would review my assets and go after my house. I called back on XX/XX/XXXX at noon. I would not do this. XXXX XXXX was very angry and became more threatening to me on the phone. She would hang up. Before she did I would request information she stated she had and she denied giving it to me. I stated it was my right to have a copy of this and she stated I would see it when it was in processing. I called back and she put her supervisor on the phone. I told him about what she wanted me to do. The supervisor told me it would not ever come off my credit report and never call them again. 
I recorded all phone calls with McNeil and Meyers to demonstrate the accuracy of what was actually stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation