vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, Caine & Weiner, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing one account with Experian since XX/XX/2021. I have had nothing but problems with getting a response from them! I know they are required by law to provide some type of response to the dispute I send in but I haven't received anything. I even went as far as sending the last 2 letters through certified mail because I wanted to make sure Experian received them, and they did! But here we are, XX/XX/XXXX, with nothing received to me from Experian. This is not acceptable as they are clearly breaking the law and not having and repercussions for 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 explanation
Consumer complaint received 2022-03-16 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: PA

Complaint narrative:
I received a letter of deletion and the closed account is stills remain on my credit.

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 2022-03-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a letter of deletion and the closed account is stills remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: DMB Financial, LLC
State: TX

Complaint narrative:
DMB Financial added XXXX additional payments to my contract, which was for 42 payments of {$350.00} to pay of settlements made with 4 creditors. My total debt before settlement was XXXX. DMB settled for a total of {$9800.00}. After paying the full 42 payments, never missing any payments, I sent a total of {$14000.00} to DMB Financial, making their " service fee '' {$4900.00}. Some of the accounts were not settled until well after a year of starting the program. I was advised not to answer any phone calls from creditors, to either " ignore '' or " block '' them. I was not in default of behind on payments when first starting he program. I had a tremendous unforeseen family emergency that required me to seek help for debt relief. I was asked not to make any more payments so it was " easier '' to settle and show a hardship. I was promised that my credit would eventually be better than when I first started the program. Being I wasn't behind any payments at that time, my credit was not bad at all to begin with. It is much worse now and I have not missed any payments on any other accounts such as mortgage or car payment. 
I would like for someone to explain to me why an additional {$700.00} is needed to finish paying off my last creditor? How much out of that {$700.00} is DMB 's fee? I was left under the impression that all 4 creditors were going to be paid each month, splitting up the {$350.00} into 5 parts, 4 portions for my creditors and XXXX portion for DMB 's fee. 
How many payments did I make in the beginning before settling the first account that DMB put into their own pocket before starting negotiations with my creditors? I paid DMB Financial more than any of the creditors that were settled with. How is that helping people with their debt relief?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 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: OR

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My vehicle was a voluntary repossession in XXXX. The company has continued to report late payments and repossession status on my credit for at least the last 24 months. The same company has also recently and fraudulently pulled my credit as it was done without my consent. There is an inquiry on my credit report from them dated for XX/XX/XXXX. The vehicle was returned to them in XXXX. I only consented to have them access my credit during the application for the auto loan in XXXX. No there time have I ever consented to them accessing my credit. The fraudulent activity has had a negative impact on my credit for the last 4 years. In addition to the items list above, the balance listed on my credit is also incorrect as the vehicle has been sold in an auction in which the company was able to recuperate a portion of the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is a follow-up to the pervious claim submitted, complaint ID XXXX. To summarize the previous claim : I was scammed by a perpetrator on XXXX XXXX and lost {$2000.00}. Money transfer was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). Chase representative was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person. In fact, the representative immediately closed the case and complaint without my knowing. 

Chase Executive Office responded back to the previous claim, but without appropriately addressing the main issue -- uncooperative/unsupportive treatment by Chase representative XXXX I called the Executive office phone number listed under the response letter. I was notified that the officer in charge is out of office, so left a voicemail that I'd like to discuss the response when available ( XX/XX/2022 ). I got no call back after waiting for a week. I called again, notified that the officer is out of office, and left a same voicemail ( XX/XX/2022 ). I haven't heard back from them. This is not how a customer should be treated in such a serious situation ; being ignored, not taken seriously, only given a cursory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
I contacted Best Buy XXXX XXXX for a message on my laptop as I have before. The agent requested permission to remote in as I have before to see the issue. Upon remoting in he stated I have an internet breech and he would need to send a system out for 3 days to block dark ware. He then proceeds to log on my account for gift cards to hold the retainer fee that would be refunded. As I later find out, this was done to both my Best Buy account and my Citi card credit card both owned by Citi Bank, The Best Buy was declined for suspected fraud while the credit card processed. I have sent all of the back up information that I have including the phone number used by the agent as well as receipts retained at the XXXX XXXX location showing this was not one of their agents and he fraudulently accessed and purchased on my card. I still have the gift cards that were mailed to me, but he somehow gained access and made purchases. The credit card company continues to deny my claim saying I have not given sufficient information. 
Best Buy customer service does not show anywhere where I purchased cards nor made purchases. This receipt form was found when the manager entered the gift card code to find the XXXX  balance. I also discussed with the credit card company where they can see the transaction was purchased, reversed, then purchased again on the same 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 2022-03-16 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: Westcreek Financial
State: TX

Complaint narrative:
I received a notification from my XXXX app about my personal information ( email, Drivers License etc. ) circulating the Dark Web. Naturally, i was prompted in the app to " Lock '' my credit report. I received another notification a couple of days later about a credit account with a West Creek Financial/ XXXX XXXX XXXXXXXX that was added to my XXXX credit report and that's when i understood that the lock I put on only locks fraudulent activity for XXXX and not XXXX or XXXX inquiries. I immediately called the provider of this account on XX/XX/2022 and also sent an email to their address XXXX and was informed that I needed to file a complaint and a report with FTC first and then with XXXX second to get this matter closed and resolved. Hence, why a complaint is now being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I was contacted by XXXX XXXX from Bay Area receivables saying that I owed {$1700.00} to my doctor for XXXX. This was 1 year after I received the bill. I told the man that I was sure I had paid it. I told him I would look for payment and call him back. I have perfect credit. Being older it took me awhile but for some reason I could not find the payment. I just knew I had paid it. I called XXXX XXXX back and told him I could not find the payment and paid him the cost of the bill. He wanted me to pay months of interest and he did charge me a filing fee. He said I also owed other bills from 3 years ago which I have not researched but I know were paid. 5 minutes after I got off the phone I found the cancelled check for {$1700.00} and immediately called him back. I sent him a picture of the cancelled check. I asked him to return my money and after 3 weeks he has not. He said I owe fees and late charges and is holding the money. I have not answered to these Charges. Please tell me what I can do. My credit card company refused to cancel saying that the man said that I owed the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hard inquiries on my credit. 

XX/XX/XXXX credo XX/XX/XXXX XXXX XX/XX/XXXX jpmcb

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: CORELOGIC INC
State: NV

Complaint narrative:
Hard inquiries on my credit. 

XX/XX/XXXX credo XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
i start with this company beyond finance on XXXX XXXX decreased my debt the told not to pay the bill and no contact the person that i owe money the creditors.the never explained that you have to have alot money account to settle XXXX told i graduated and told me to take a loan with above lending for the same amount of money that i owe one the creditors .i was scared nothing was happening my credit score was continue going down.i did the loan and when the got money 2 day later the settle for XXXX percent of XXXX XXXX debt.the other account was only XXXX dollars in debt and i call and ask them to settle and to paid the other settlement what to wait until the XXXX of XXXX.the never told, me before that i have to paid XXXX percent of XXXX XXXX i think this people are scam.i decide tp settle myself the second account because the was not doing anything.i ended with the same amount of debt from the beginning.i have to paid a loan for XXXX with the bank that they choose plus the XXXX .please stop this people from scamming others.the only tell you the make money with a montly fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XXXX I applied for a credit card consolidation loan. ( XXXX XXXX ) This was approved on that date. This loan amount was {$80000.00}. As a part of this process, I took advantage of a favorable interest rate reduction of .25 % by supplying the account numbers for each credit card that was to paid off. This included the credit card number, and card verification code. This was validate real-time by SoFi 's XXXX as shown by an error for one card I'd entered that it claimed was under a different name. ( This error was erroneous, as I believe they included my middle initial for that card. ) Later that day ( XXXX ) I noted that a disbursement of {$12000.00} was made to one of my cards at XXXX, and {$300.00} was deposited to my checking account which is also at XXXX. However, there was a third account at XXXX that did not receive a distribution. I checked the other accounts at other institutions ( XXXX XXXX, XXXX, Bank XXXX XXXX ) to see if they'd received any distributions. They had not. Each subsequent day I continued to log in to each of those financial institutions ' online banking sites to check on the status of a payment. There were none from SoFi. 

I contacted XXXX on XXXX to alert them to what I believed to be a problem. They refused to assist further as it hadn't been 3 business days since the distribution. I pressed them for transaction verification IDs for the XXXX. Either the agent did not have this information, or she refused to provide it to me. I said I'd wait until the 3 business days were met. 

I called again on XXXX as there were still no distributions to the other financial institutions. As I spoke to the agent, he agreed to open a request to check on the disbursement of the funds. He noted that it will take 24 to 48 hours to complete the investigation, and that they would let me know. Meanwhile, I am still accruing interest on the accounts in question AND interest on the SoFi loan that started on XXXX. 

My belief is that it should NEVER require a customer to point out a failed XXXX transfer. Customers do not have the information necessary to investigate failures. ( In particular, originating institution information and XXXX transaction IDs. ) Instead, SoFi should have the technology and processes in place to validate the successful transmissions and either re-transmit or work with the customer ( me in this case ) to correct any issues found. In this particular case, the apathy of the SoFi customer support team is benefiting SoFi ( they still have the funds ) and harming the consumer ( the consumer is now paying two interest accruals ).

Company response to consumer: Closed with explanation