vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I had an auto loan through Automobile Acceptance which became delinquent. I paid off the debt after repossession through their lawyer XXXX XXXX XXXX. They reported to XXXX and XXXX that the balance was XXXX. However for some reason they reported to XXXX that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
These are not my accounts listed in my credit. Please remove 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 2020-09-06 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: NV

Complaint narrative:
These are not my accounts listed in my credit. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-09-06 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: FL

Complaint narrative:
Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my XXXX report 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: FL

Complaint narrative:
Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my experian report 3 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 non-monetary relief
Consumer complaint received 2020-09-06 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
OVERCHARGE on hotel bill. Probably due to not crediting deposit. Brought to attention of hotel and Tod would be credited. Never happened. Requested full accounting of all charges and credits from J P Morgan-CHASE. They refuse to do so and insist on honoring the incorrect charge. JP Morgan is enabling this larceny.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-09-06 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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:
These are not my accounts. Please remove them.

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 2020-09-06 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The web service is unable to handle correctly provided information such as PIN numbers and the result is that I am now locked out of managing my freeze, which I had managed just fine 2 months ago. 

I even setup an account with them, can login, all they do is try to sell me new services instead of using my verified credentials to help me manage the freeze. 

Their mistakes and bad web services is costing me real $ $ $ s Their phone numbers fail to clear the maze of options for me to speak to someone. 

This is unacceptable, I don't need them but I am forced to handle their failures.

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 2020-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My Wife and I obtained a loan in XXXX. Mr Cooper Loan Company later took over the loan and stated that the loan agreement rules from the original loan company will remain the same and said there will be no changes. When we obtained the loan we were told the loan would mature in XX/XX/XXXX and that would be the end of our loan and it would be paid in full. The Company never indicated that we would have to start all over on a new loan 15 years later XX/XX/XXXX to pay the loan off. Suddenly in late XX/XX/XXXX Mr Cooper loan company is sending us notices about about Continuing Payments when the loan was supposed to be Complete and paid in full in XX/XX/XXXX. My wife and I did not agree to keep paying anything after XX/XX/XXXX. I am asking you in good faith to look in to this loan for me and help me resolve this matter to end this practice. Thankyou in advance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -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 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a certified complaint to Experian ( EX ) about late payment and derogatory inaccuracies it has been over thirty days and I have not received the results. I am requesting that all of the derogatory information be removed.

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 2020-09-06 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:
These are not my accounts. Please remove them.

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 2020-09-06 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:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at M & T Bank, New York. ( invoice attached ) 1 transfer was executed for a total amount of {$2800.00} to this account XXXX XXXX, XXXX : When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to M & T Bank. I received an email reply XX/XX/XXXX, form a XXXX Field Investigations Manager, stating I spoke with our legal department and we will be denying any claims at this point. You will need to go after XXXX XXXX  XXXX XXXX who sent you the actual invoice. They are not a customer of M & T 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 explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On my Equifax credit report, an account with XXXX XXXX appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to XXXX. XXXX and XXXX BOTH report this information accurately, but Equifax does not. I filed a dispute with Equifax, who has not been helpful. I contacted XXXX  and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with Equifax. I want my Equifax report to look the SAME as XXXX and XXXX, which both have the correct information. Neither Equifax nor XXXX will take responsibility for this error!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -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 2020-09-06 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( 5 hours ago ) to XXXX  NOW SEE HERE!!! 
You have led me to believe I can send money but you won't allow me to. 
When I go into a WU Store, the XXXX  are lined up, NO QUESTIONS ASKED!!! 
But, because I am a XXXX with a wife to be in an other country, you won't let me send her money. 
Did you not know that XXXX XXXX ' First Mate was a XXXX? 
Or some of our Founding Fathers including Washington, Jefferson, and Franklin to name a few read the XXXX? 
Maybe you did not know that there is a passage from the XXXX inscribed on the wall behind the Supreme Court Justices. 

Western Union needs to cease and desist these Prejudiced Practices that are in fact illegal. I am ashamed to say that I am a born and bred American because of people like you. 
You turn my stomach, you need to be put out of business. There is plenty of competition that is not XXXX like your company is. 

SHAME on YOU and THIS ONCE GREAT AMERICAN INSTITUTION!!! 

Peace, Love, Recycle, XXXX XXXX XXXX XXXX Western Union for no cause or reason is denying me service. They have refused to tell me why. I have politely asked for a letter explaining why I am being denied service for my attorney, and Western Union has refused! 
I am being denied service because I am a XXXX and Proud of it. That is the only reason. No law enforcement agency has contacted me, so therefore, I have done nothing wrong. The FBI, CIA, INTERPOL, PASP, HOMELAND SECURITY, or other agencies I am not aware of should be beating a path to my door if I have broken any laws. But, not one of these Federal or State agencies has investigated me, asked me any questions or anything else which proves beyond a reasonable doubt that Western Union is illegally discriminating against me.

Now I respectfully demand this practice to cease and desist.

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On my XXXX  credit report, an account with Comenity BankXXXX  appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to Comenity. XXXX  and XXXX BOTH report this information accurately, but XXXX   does not. I filed a dispute with XXXX, who has not been helpful. I contacted Comenity and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with XXXX. I want my XXXX   report to look the SAME as XXXX and XXXX, which both have the correct information. Neither XXXX  nor Comenity will take responsibility for this error!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Charged for XXXX XXXX XXXX XX/XX/XXXX that was cancelled XX/XX/XXXX. Submitted dispute XX/XX/XXXX stating premium care was cancelled and charge be reversed. Never received response on dispute in accordance with Reg Z. Billed {$1.00} Late fee on XXXX Statement and {$3.00} late fee on XXXX statement. Account was on autopay, but payment never taken.

Company response to consumer: Closed with monetary relief