vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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:
There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not 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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
IQ Data International IncXXXX is a third party collector. I was renting an apartment in XXXX XXXX NV. In XX/XX/2018 my lease was set to expire. The property was purchased by new owner and name the apartment XXXX XXXX. My apartment, air conditioner, stove, refrigerator, washer and dryer was in need of repairs and also the complex was roach infested. The new owners was remodeling the apartment by sections. I was told by the apartment managers that they would not be making any repairs because they were remodeling every unit with new appliances and hardwood floors instead of carpeting. I was offered to moved into a remodeling unit at increased rent and the renewal of my lease. I advised them and gave them a written 30 days notice that I did not want to move into a higher rent apartment and that I would not be renewing my lease. The building I lived in was the next building scheduled to be remodel and I was one of the last tenents. I was offer if I could move out by the XXXX of XXXX, they would agree to forgive the 24 days of my lease and any fees due. I agreed and moved out and return all keys on XX/XX/2018. They forward me a bill for cost on XX/XX/2018 and wrote them back about the fees and the agreement. They sent me an updated bill dated XX/XX/2018 evidencing the write off of all fees. However, XXXX XXXX did not want to honor the agreement and apparently sold this to a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA is NOT a company with whom one should obtain a credit card due to arbitrary and unfair clauses in their credit card agreement. 

I made a payment for {$11000.00} on XXXX XXXX, which USAA shows as paid on that date, however, USAA refuses to update the available credit until XX/XX/2021 even though the payment has cleared the U.S. domestic checking account upon which it was written. USAA has subsequently sent me notifications that I must make a payment in order to continue to use the card and also denied charges. If I make payments and you refuse to credit them, what else can I do, USAA?? 

The credit card agreement states that payments received by XXXX will be credited the date of payment if they are drawn on a XXXX XXXX or within 5 days if they do not meet that requirement, however, it then caveats they reserve the right to withhold credit availability on any payment. The inclusion of the clause 'We reserve the right to withhold credit availability on any payment. '' allows USAA to create arbitrary and unreasonable reasons to withhold posting payments and updating available credit to the detriment of the consumer even when evidence demonstrates valid payment. 

I reached out to customer service where a lengthy phone call could not resolve the issue, their executive resolution team could not resolve the issue and I was finally referred to the office of the CEO to obtain the name of the CFPB to file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not 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 2021-04-21 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:
There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: American First Finance, Inc.
State: WI

Complaint narrative:
Upon reviewing my credit report recently, I noticed an error in regards to American First Finance. It is being reported as derogatory and closed with a XXXX balance, despite this account being satisfied in full. I've sent letters that have been returned and sent emails. The creditor can't seem to find information regarding said account but refuses to delete said account from my credit reports. This is a violation of the FCRA, as only current and accurate information is to be reported. Furthermore, if an account has been satisfied in full then it is illegal to report as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On Monday XX/XX/2021, I called Avant credit card customer service representatives to request a letter of debt validation showing a XXXX balance on my account to present to a mortgage lender so a rapid rescore of my credit can be done. I was advised that it will take 24 hours for the documentation of my payoff with Avant to come via email. After 24 hours I called back to Avant to request the same information that I never received. Upon talking to the representative on XXXX XXXX, approximately 24 hours after my first original call, I asked to speak to a supervisor concerning the urgency of the letter that I requested. Two hours went past and no supervisor contacted me as the rep stated they would. I called back to the company demanding I speak to a supervisor concerning the matter I presented. The rep tried to take my telephone number and told me a supervisor will call me shortly, but I refused to hung up without speaking with one. Thirty minutes into the call after being on hold, finally a supervisor was able to speak to me. I was told that by the end of the business day I will receive the information of my balance payoff I requested but I still did not get the email as promised. Today, XXXX XXXX I called back to Avant and demanded my information. Once again, I was told it would be sent to my email by one hour. Three hours later, I called back to Avant to complain of still not receiving this vital information that is needed to move the process along for my home mortgage loan. I even advised Avant that I was not wishing to close my account but I needed proof of my payoff balance and my current information so the lender can proceed to take the next steps to get a rapid rescore done. The information needed is very important and can hinder the process of my loan. As a consumer, it is my right to such information as far as my account with Avant and the company has been no help with obtaining this letter. On XX/XX/2021 I requested the same information and had no problems with getting this letter. I do not understand why Avant is withholding my information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Ive contacted US Bank several times requesting a payoff statement. Im told each time that it will be sent but I never receive it. The only recourse Ive been provided is to keep requesting my payoff statement over and over. US Bank is the worst mortgage servicer and I hate that my mortgage was ever purchased by this XXXX institution. I want my payoff statement so I can sale and move on from this nightmare of a so-called bank.

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 2021-04-21 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: WA

Complaint narrative:
There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}

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 2021-04-21 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: WA

Complaint narrative:
There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do not have a government benefits card. However, I received a text message on my work cell phone, from XXXX on XX/XX/2021 at XXXX that reads : BANK OF AMERICA XXXX Your Bank of America EDD Prepaid Debit Card has been temporary [ sic ] suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using. http : //prepaideddcardbanksofamericas.com/reactivateds I did not follow the link ( obviously a scam, note the spelling ), but wanted to report this in case others were alarmed and clicked.

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 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I contacted Rocket Mortgage for a cash-out refinance loan. 
They provided me with terms and I communicated that I was not interested and found a better solution. 
Since that time ( 2+ months ago ), they continue to call me about every two hours between XXXX XXXX and XXXX XXXX. 
I am logging in a harassment case. 
They have some kind of robo-calling campaign and its harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/2021 my card was charged {$33.00} from XXXX in XXXX NY. This represented my entire balance on the card. 

2 other charges were rejected due to lack of funds. {$.00} for a store in XXXX Colorado and XXXX for XXXX in XXXX AZ on the same day. 

Obviously my credit card number got compromised. 

Cash App compnay will not issue provisional credit as provided for in the terms of service for using the VISA card service.

They say it could take up to 55 days or resolution and it may not end favorably for me. Again, VISA protections indicate we as consumers are safe from fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
I've tried several times to update my personal information on my experian credit file, through mail. They never responded. I tried updating through their website and it will not allow me to. I do not want my mail going to old addresses, ecspecially parcel with personal information or credit card offers. Im worried about identity theft now since my mothers info was compromised.

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 2021-04-21 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: WA

Complaint narrative:
There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$0.00}

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 2021-04-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.

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 2021-04-21 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: MI

Complaint narrative:
I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.

Company response to consumer: Closed with explanation