vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife and I called to AMEX XXXX and asked about my wife 's welcome bonus ( XXXX XXXX   point and one free weekend certificate ). The customer service refused to give the welcome bonus after she completed her spending amount {$5000.00} on XX/XX/XXXX. She insisted that the system told us the system warned my wife would not get welcome offer for this card. However, we did not see this kind of information or any similar things during the application. Otherwise, we would not apply this card for my wife. Ironically, she got instantly approval for this card!! 
Asked to transfer to a manager. Still gave us the same answer. 
This is unbelievable that Amex tricks their customers. And it happens to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number 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 2020-01-02 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number 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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the 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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have received multiple calls at my work regarding this hospital bill. I have spoke to two women now. One told me her name was XXXX and the other refused to disclose her name. On XX/XX/XXXX at XXXX XXXX, I received the call from XXXX. I told her that I didn't give this number out as a contact because it is my place of business. I specifically told her to remove my work number from their list because they have my cell phone number that they can call. It is going to get me in trouble with my Director if they keep calling. She said she would remove the number. The second call on XX/XX/XXXX at XXXX XXXX, I received another call from this same agency. I asked the lady for her name and she refused to give it to me. I had told her that the number she called was supposed to be removed last month and here she was calling it! She was mad and hung up the phone on me. I received another call on XX/XX/XXXX at XXXX XXXX, but no voicemail was left. Today, XX/XX/XXXX, I get into work and my Director said that there was a voicemail for me. Once again this company has called my work number and left a debt collection message on the voicemail! This is absolutely inappropriate to keep harassing me at my place of business when I have asked multiple times to have my work number deleted. I keep a log of the times that they call my work. I just can not find an address that is tied to this company so that I can send them a certified letter to stop calling me. I need to make sure a complaint is filed against this 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 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was approved for a secured card back in XX/XX/2019 and This required that I pay a {$300.00} security deposit which was debited out of my personal account. I received the card and welcome kit in the mail. Shortly after I needed to fill out another IRS form for additional information and ultimately the card was cancelled and closed saying they couldn't verify personal information after receiving this phone call and email I said okay how soon will I get my security deposit back and they assured me with in that it would be expedited within 10 business days. It has been almost 2 months now and I have yet to received my security deposit back and I have called every week for the last 5 weeks to get the status and they continue to give me the run around about refunding my security deposit. in this process I have lost 11 points on my credit scores and have an inquiry which they stated from the very beginning it wouldn't affect my score and a derogatory remark for the account that was never used

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX aka TD Bank allowed an unknown individual to open an account in my name to purchase two XXXX XXXX XXXX XXXX cellphones with a credit limit of {$4200.00} on XX/XX/19. I have disputed this with XXXX XXXX/TD Bank, as well as XXXX, XXXX and XXXX. XXXX and XXXX deemed this " information accurate ''. 

This is a FRAUDULENT PURCHASE in the amount of {$1700.00} that two credit bureaus apparently say is valid and XXXX XXXX says will take 90 days to resolve?? 

I can provide report numbers and documentation that prove I disputed this fraudulent activity. I can also provide the statement from XXXX XXXX mailed to my home showing the detailed account information. I called XXXX XXXX/TD Bank XX/XX/19 when I received the statement to report fraud and was informed in a non caring tone that the account is frozen and I 'should ' receive a follow up from their fraud department which takes 90 days. They will not disclose to me how they allowed someone to buy these cellphones under my name fraudulently on XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: TX

Complaint narrative:
i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX cromwell, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX ct, XXXX texas, and XXXX XXXX XXXX XXXX XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.

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 2020-01-02 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$470.00} XXXX {$11000.00} Reported balance XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance

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 2020-01-02 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: NY

Complaint narrative:
Equifax has sent me more than 3 times in writing that a item cis information was deleted. I have attempted more than 20 times to have it removed with a incorrect address. The address updated recently after a threat to the XXXX. The inquiry still remains even tho they claim its been deleted. They apologise over the phone every sentence but the information remains in there data bass and on there web site page showing the information remains

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$470.00} XXXX {$11000.00} Reported balance XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: TX

Complaint narrative:
i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX XXXX, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.

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 2020-01-02 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: TX

Complaint narrative:
i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX cromwell, XXXX texas, XXXX XXXX XXXX , XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.

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 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Reference previous complaint XXXX. The agency never complied with regulations nor did they do any of the things that they said they would do in the response to the CFPB. They continue to report to the Credit Reporting Agencies erroneously and illegally. None of the folllowing happened as they said it would nor have they addressed any of the information I originally asked for the in the original request nor provided written verification to any of my original questions. None of the below mentioned actions were taken by the agency : Upon receiving notification of your complaint Midwest Recovery Systems has reviewed your account. It was found that your account was placed in our office on XX/XX/XXXX by our client XXXX XXXX XXXX. We show this account was originally opened with XXXX XXXX XXXX on XX/XX/XXXX and went delinquent on XX/XX/XXXX. We show there has not been communication regarding this account. After reviewing your complaint Midwest Recovery Systems has placed your account in a Dispute status and sent notification to the credit reporting agencies to update this account as disputed on your credit report. We have also requested the validation documentation from our client. Our process is as follows : Upon receiving notification of a dispute or request for validation. Whether the request is verbal, written, or electronic the account will be changed to a DISP ( dispute status ). The status change will trigger a notification to be sent to the credit reporting agencies. The status will also let our Dispute Resolution team know to review and request validation from the client that placed the account with us. Once we receive the documents, we mail them to either the address on file or one you requested. The account will then be place on hold for 10 days allowing you to receive and review the validation. After 10 days we will call and follow up to make sure you received what was requested and go through them together. In the event our client does not produce the validation documents within 23-25 days from the date of request, MRS will change your account to a UTV ( Unable to Verify ) status, close and return the account to our client and send a deletion record known as a DR to the CRAs upon our next reporting which is weekly ( generally on Sunday ). Normally there is a larger window for clients to return the documents. However, MRS does not and will not continue to report a debt to the Credit Reporting Agencies where we have received or believe there is a discrepancy. If there are any questions, please contact our office at XXXX. You may also email us at XXXX- MRS Complaint Resolution Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: GA

Complaint narrative:
I have been trying to get my score and report from Equifax I have mailed and faxed everything they have asked for and they are continuing to ask me to send the same information to them I didn't have this issue a week ago I have attached my driver license to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
this is on my credit report and i did not receive any documents regarding i owe PHOENIX FINANCIAL SERVICES ... I called XXXX hospital and they have no records of me owing them any thing ... please provide proof of what is owed,,, or remove from my credit records ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I had an auto loan w/ Tidewater XXXX XXXX . The car was repossessed in XX/XX/2014 approx., they are in turn suing me for the remaining balance. They had auctioned the car off which left the balance at XXXX. They ended up garnishing my wages and received XXXX. This garnishment was lifted because they attempted to go through my previous employer. While this lift was in place I negotiated to pay the Lawyer that is handling this debt ( XXXX XXXX ). Over the course of time I've paid in total XXXX. Yet they are stating I still owe XXXX ( for fee 's because I've already paid the loan amount back ) and are again garnishing my wages. So technically they will be getting well over XXXX from me for a car that's not even worth that amount and no longer in my possession. I am in the process of waiting for my court date, I went to the lawyer 's office where payments were being made and requested transaction history. What was provided was not sufficient enough to break out exactly how my I owe nor how the payment 's have been applied to the creditor/law/debt collector etc. The only thing the lawyer stated he could do was reduce the amount that would be garnished from 25 % to 20 %.

Company response to consumer: Closed with explanation