vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My date of birth is reporting incorrect XXXX Multiple address are reporting on credit file XXXX XXXX   XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-07-12 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: IL

Complaint narrative:
I froze my credit account 2 years ago, with all 6 major Credit Bureaus, ( Equifax, XXXX, XXXX, XXXX, XXXX, and XXXX ). When I attempted to unfreeze them, most went right through. 

However EQUIFAX after having stated that the freeze was lifted, continues to report to my creditors that my credit is frozen. They report to me that it is lifted, and that no fraud alerts or any other blocks are in place, but tell XXXX XXXX and XXXX XXXX XXXX XXXX, I am frozen which is costing me a lot of money in extra fees. 

Please help ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I WAS SCAMMED BY PAYING USING XXXX XXXX. I PAID XXXX XXXX {$870.00} ON XXXX AND {$900.00} ON XXXX. I ALSO PAID XXXX XXXX {$1400.00} ON XXXX AND {$800.00} ON XXXX. THESE 2 PEOPLE SCAMMED ME AND THEY DID NOTHING AT ALL FOR ME. I WAS TOLD TO DO XXXX XXXX AND NOW I KNOW WHY. I HAVEN'T BEEN ABLE TO CONTACT THEM AND I TRIED WITH THE XXXX XXXX RESTITUTION AND WAS TOLD NOTHING COULD BE DONE TO HELP ME. 
I ALSO PAID A COMPANY CALLED XXXX XXXX XXXX XXXX {$790.00} ON XXXX USING MY CHASE FREEDOM CC. THIS COMPANY AGAIN SCAMMED ME AND I TRIED TO REPORT THIS AS FRAUD AND THE CREDIT CARD COMPANY DENIED THE CLAIM BECAUSE IT WAS DONE IN 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
Paid off a medical balance with financial recoveries in the amount of XXXX. They will not send me a fax or email stating i have a XXXX balance. theyhave reported this on my credit this month as well when the balance has been paid! i need a fax or email in writing ASAP that this balance has been paid! the account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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 — Problem with personal statement of dispute
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
Request a personal loan at Iberiabank, and it was denied for serious delinquency. I investigated XXXX and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in XXXX  and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.

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 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Account XXXX XXXX This loan was paid off late XXXX. We've been waiting for the title of the Motorcycle because we intend to sell however we've been advised by a customer service rep that it'll take 3-6 months before DMV released the title and when i called DMV i was advised that it was sent early XXXX and it was sent to XXXX XXXX XXXX XXXX XXXX and our address is XXXX XXXX  XXXX XXXX XXXX. Because of this matter we will need to take a day off from work to apply for duplicate title and address change will cost us as well. Another representative I spoke states I should've contacted the postal services and asked for my title! How am I supposed to that when I don't even have a time frame on when it'll get to me due to deceiving information from their customer service. 

Account XXXX XXXX on XX/XX/19 I received a collection call states I was sour days past due on my monthly payment. I looked at my bank statement and Synchrony bank cashed my check on XX/XX/19 for {$180.00} which is more than the monthly paynment. I called back on XX/XX/19 @ XXXX and explain that a payment was processed on XX/XX/19 for {$180.00} and was advised that they will take care of it and clear the delinquency. Since then i continue to received phone calls multiple times in a day. 
XX/XX/19 @ XXXX XXXX  I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I took an early lunch to discuss the misapplied payments again because i knew they would not stop calling my number. 
XXXX @ XXXX XXXX I received another call and I couldn't pick up because I was back to work. Since this account was open I've been paying prior to due date and sending more than minimum payment and to us we've been harassed numerous times.

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 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Good day, On XX/XX/2019 at XXXX the company " Cash App '' send me a message stating that a {$500.00} payment to my account was being disputed and that they were removing {$500.00} from my personal checking account. I was not given a warning about the removal or given a chance to protest it or speak on it at all. This was a very troubling moment for me, as I did not know I would be losing {$500.00} with no warning. 

I have emailed their support team several time since the incident, but have gotten no real response. There is a automatically generated message that gets sent to me stating that " Hi XXXX, Thanks for contacting Cash Support. We have received your inquiry and will respond within 24 hours. If you have any further information you'd like to provide you can respond directly to this email. 

Thank you, Cash Support '' There is no number to call to get in touch with a live person to get help, so I am stuck continuously emailing and getting no real response. When I try to follow up with another email they tell me that my case has been closed because they did not hear from me, but I never received an email from them to respond to. Below, I am including the message I have sent to them several times that includes my case number and all of the details associated with my account that are needed to identify myself and the disputed transaction. 

" I have been trying to get help from your team with this issue for over two weeks now. I have received no follow up communication. My case # : XXXX. The transaction described below was refunded from my bank account without warning and I had {$500.00} taken from me from Cash App. I didn't know the transaction was being disputed or that there was any issue at all. This was a very troubling experience for me as i had {$500.00} taken from me without warning. I have emailed several times about this issue, but have not heard anything back. How can this be solved? 



My cashtag : XXXX XXXX XXXX Sender : XXXX XXXX Reciver :  XXXX XXXX Identifier : # XXXX Date : XX/XX/2019 XXXX '' The files I am attaching to this complaint are all of the messages that have been sent between myself and Cash App. I also sent several messages to them through the app, but they do not provide a paper trail for those message so I do not have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: PA

Complaint narrative:
I assume this is a scam, since we owe nothing to anyone. The voice mail on my cell XXXX states " from client services Inc a debt collector and call XXXX ''. 
The calls were made on XX/XX/XXXX & XX/XX/XXXX from phone number XXXX. I will not contact them because I will not use my minutes for a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hi. My name is XXXX XXXX. I have never had a Discover Card. I have been a victim of identity theft and have worked hard to get it removed from my report. For some reason a bankruptcy has been reporting on my report on XXXX and I am working with them to get it removed. It has been removed from XXXX and XXXX. It was a dismissed bankruptcy, nonetheless, it shouldn't be there. On XX/XX/XXXX I applied for a Discover Secured IT account so that I could start rebuilding credit. I have an installment loan reporting but I needed a secured card. I applied and I was denied. When I called to ask why, they said it was because of the Bankruptcy. I took it for what it was. Well then, in one of my credit groups a young lady said she had gotten approved for an unsecured discover it card and she has a bankruptcy that was discharged in XXXX. So now that I see this, I really want to know what is going on and what is the real reason that I was denied. Is it because Discover doesn't like me? What is it? I don't understand. It made me feel that she either beat the system or that I am being discriminated against. I would like my application to be reviewed manually and for someone to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: SLM CORPORATION
State: CO

Complaint narrative:
My credit score was checked by XXXX and I am not sure why because they are a credit company! It made my credit score XXXX down and I have no clue as to why it would be checked by then. As far as I know it is an error along with the others included in the picture. Sally Mae was contacted by someone that was fraudulent in collecting my info to take out a school loan. I have since put these companies on notice, reported to every I could, called the police and now this feels like a last resort, why is this error happening!!?! 

XXXX XXXX XX/XX/2019 XXXX inquiry never approved or permitted by me! 


XXXX XXXX bank /XX/XX/2019 hard inquiry is FRAUD!! Not submitted by me. I have called local officials and put my credit on alert!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I recieved an offer in the mail for a {$300.00} bonus for opening a checking account with Bank of America. I opened the checking account on XX/XX/2019 with the promotion code. I visited the bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US on XX/XX/19 to ask why the funds were not deposited into my account. They put in a request and then called me back from XXXX on XX/XX/19 the bankers name was XXXX. She told me that I had qualified and that I would recieve the {$300.00} promotion in a check or in my account the following week. On XX/XX/19 I visited the bank again, having not recieved the check or deposit as promised. I sat with XXXX who made several phone calls and confirmed that I met the eligability requirements and also that they had sent out the mailer with the promotion to me at my home address. She said that when I opened the account online, the promotion didn't load. I was promised this promotion and have met all the requirements. I visited the bank severals times at the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US and they are still unfairly giving me the run-around and not honoring the promotion that I was promised when opening the account. The account has been opened with funds being direct deposited for 5 months and I still have not recieved the {$300.00} deposit.

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 2019-07-12 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: FL

Complaint narrative:
I previously filed a complaint with the Florida Attorney General 's office in XXXX of this year against my mortgage servicing company Wells Fargo for incorrect negative credit reporting. They agreed ( in writing ) as well as advised the FL AG office they would do so as I have been attempting to get them to do the right thing by me since Hurricane Irma when they began a campaign to steal my homesteaded property from me. ( Which is actually the second time they have pulled stunts and tried to steal my home ) I have filed a lawsuit against them which is currently in US Federal Court at this time. I am seeking damages from them for the negative credit reporting, as well as many other violations and negative actions they have used to attack me for the past 2 years. 

Despite all of this, they believe they are above the law ( their Attorney actually claimed in a pleading that they are National Bank and therefor are allowed to violate anti-fleecing laws ).  However, they are not a bank- in this capacity they are acting as a mortgage servicer, which does not give them the right to price gouge or otherwise engage in attempting to steal hurricane victims ' homesteaded property. 

Additionally, due to their actions of reporting false negative credit information I have been negatively affected in my day-to-day life. I am paying more for insurance that I should be and just lost the opportunity for a new job. 

Please make them keep their word to both me as the consumer and to the FL AG office to suppress any and all negative credit reporting until my court case is resolved

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 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
Ive disputed this collection with Alexander Rose Association and all credit bureaus it was deleted then added back to one or more of my credit reports. Ive asked company to remove as Ive never did business with this company. Alexander Rose Association sent me a computer print of of some documents saying that I responsible for this debt. Ive spoke to the credit bureaus today which advised me to file a police report because Ive been a victim of identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: LA

Complaint narrative:
My husband XXXX XXXX  received a loan from Harbor Financial in XX/XX/XXXX. He had just got released from XXXX. He had been XXXX from XX/XX/XXXX until XX/XX/XXXX. He was paying on the loan and he stopped when he stopped working odd jobs because of his heart. XXXX XXXX who is the manager at Harbor Financial told Mr XXXX that he could just start bringing any amount on the payment and she would put it in an 
envelop until a full payment is reached. When he informed her that he had some money to bring she told him that she could not except the partial payment she had to have the whole payment. So after that, she started callling my cellphone from her cell phone and texting me about the payment. She had one of her workers call named XXXX trying to find out my job and said they were going to garnish my wages.  I did not sign for the loan nor have any thing to do with the loan. I am tired of her calling my cellphone from her personal phone and texting me about the loan that he should not have received because he had just gotten out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I requested to change my bank account XX/XX/XXXX ( XXXX XXXX ) from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX, however the company never changed the account even though I got approval more than 5 business days before my payment date. They continued to pull which caused me {$70.00} in fees that they refuse to credit back. After emailing them and asking them to fix this, they closed my account, won't let me log in to make payments, and will not return calls trying to fix this. Then they reported to my credit report that I'm 60 days late and won't take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hello, Sometime on XX/XX/XXXX I opened a credit card with Macys. I used the card and paid off the balance towards XXXX of XXXX so I only had the card for a month, I called and requested the account to be closed I was not fully aware that it was a credit card. 
Macys neglected to close my account and now when I am trying to buy a house I requested a copy of my credit report and Macys is reporting two credit accounts and had me delinquent for over a year. 
They never send me statements and I know I had closed the account. I have made numerous phone calls and requested to correct my credit report that what they are reporting in false since I only had one account not two, I closed the account they should have not been a balance on the account, they never notify me that the account was delinquent. 
The report Macys is reporting is false and incorrect of the status of my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Request a personal loan at XXXX, and it was denied for serious delinquency. I investigated Equifax and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in Equifax and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
submitted payment, called 2 days later they advised theres no record of conformation number ( screen shot ), when speaking with manager she said its my bank issue and they cant do anything

Company response to consumer: Closed with explanation