vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc.
State: CO

Complaint narrative:
I am interested in paying off my personal loan in full. I am extremely busy and I sent an email to the company on XX/XX/2020 asking them to send me a payoff schedule for the next few days. The company policy is that they will respond in 24-48 hours by email. I have not yet heard a response from them. Because the loan can earn interest daily, I am wondering if they are breaking any laws by not responding to me in a prompt fashion?? This is not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-06 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-06 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Someone opened a target red card and used it in my name, and target refuses to do anything about this situation or remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have lived at the same address for 3 years, yet, someone has a lease in my name. National Credit systems is  attempting to collect on this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AL

Complaint narrative:
I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-03-06 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I receive promotional offers for an XXXX XXXX credit card regularly. In XX/XX/2019, I applied for a credit card with a promotional offer of {$200.00} statement credit and XXXX airline miles after spending a specific amount. I have inquired about never receiving the airline miles, but was advised that I have another account and was not eligible for the promotion. I continue to receive the same offer and no where does it say if you already have a card you are not eligible for the promotion within so many months. To me this is a misleading and deceptive practice. Why would I or anyone else for that matter want to pay two annual fees to earn miles, if we are not eligible for the promotional offer.

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 2020-03-06 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: TX

Complaint narrative:
Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CT

Complaint narrative:
I fell victim to a scam when my computer was hacked into. I thought I was talking to a rep from Chase bank and XXXX. They told me that someone from XXXX used my card to make an XXXX purchase and I would need to buy gift cards from XXXX  to drive up my balance to keep the charge from going through. My card was immediately deactivated by Chase for suspicion of fraud .The scammers said they would contact the bank and have it reactivated. They used my phone number to do so without my knowledge and Chase reactivated the card. Why would they do that without contacting me directly? I would like an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
Account : XXXX XXXX / XXXX XXXXXXXX XXXX  XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXXXXXX XXXX Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: MS

Complaint narrative:
I initially emailed Experian and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. Experian responded with a generic response saying that it was updated. I disputed the account with XXXX XXXX, debt collector involved. XXXX XXXX responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX  had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from XXXX XXXX. Experian responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent Experian another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from XXXX XXXX, saying for the bureaus to delete the tradeline. Experian responded again saying that the account was updated. I called Experian and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX have XXXX   under a DIFFERENT ACCOUNT than the account number XXXX XXXX  sent. However the account number is WRONG as well.

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 2020-03-06 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: GA

Complaint narrative:
Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXX XXXX  Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXXXXXX XXXX Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Credit Wise Recovery Solution LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX has no reported that my bill has been up to date for over a month. Credit score has dropped twice due to false reporting from company. Company also calls me up to 4 times a day. I pay double the minimum payment.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06 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: SC

Complaint narrative:
XXXX XXXX improperly billed me for a service despite XXXX  's response to the claim stating specifically that the amount they may bill me is XXXX. 

I proved this in my dispute with equifax with a copy of the XXXX summary notice for the service. It shows the same date of service ( XX/XX/XXXX ), patient information, procedure code ( professional charge for a XXXX XXXX ), amount charged ( {$190.00} ), etc. as the XXXX XXXX bill in question. Despite that XXXX  summary notice clearly stating " the amount you may be billed : {$0.00}, '' for that service, the collection agency still believes it to be legitimate and Equifax won't remove it. 

Because it's not fraud, the FTC and police will have nothing to do with the dispute, and yet I need either a police report, a letter from the collection agency showing " paid in full, '' or a letter from the FTC. Because there is no way this could be " paid in full '' when I don't owe it, there is no recourse for me to get this fixed short of spending tons of money on lawyer 's fees to sue XXXX XXXX and the collection agency. 

The other two credit reporting agencies ( XXXX  and XXXX  ) did not have that collection agency information on my credit report, as their credit scores for me are above 750 and Equifax 's is below 660. Because Equifax feels the need to report medical debt, they should have a protocol for disputing medical debt, and as shown above, they don't. 

Equifax has all the required documents in my dispute file under dispute # : XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An account for a credit card in my name was opened with Wells Fargo XX/XX/XXXX with a credit limit of {$800.00} with high credit of {$630.00}. It was reported on XX/XX/XXXX that it was current and then was paid off and then closed XX/XX/XXXX. I have never opened a credit card or a new account with Wells Fargo.

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 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Someone fraudulently got a hold of my debit card and used CashApp to withdraw funds over 200.00 and overdrew my account. My bank cancelled the card, issued me a new one, investigated and refunded the money and reversed the overdraft fees. I have NEVER EVER USED CashApp and recently I received a CashApp debit card with the account $ XXXX ( my name and they have my address ) in the mail to activate. The 800 number does not connect you to a live person to have this account closed and the only way you can contact them is if you actually have an account and you can email them. I used my relatives account to email them and I have not received a response. I just want the fraudulent account cancelled as I have never opened one so that no one can do this to me again. There should be a way to contact these people in the event of fraud but is simply no way if you don't have an account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AL

Complaint narrative:
I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-03-06 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: AL

Complaint narrative:
I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX of XXXX sent {$69.00} bill to collection company Capital Account which does not belong to me. I am not their patient and never was. My wife was their patient back in XX/XX/2019. She had some services done back then for which they charged to our joint insurance company already who approved their bill. They forgot to mention that to their collection company who reported delinquency to my credit bureaus. That act hurt my credit. We are in middle to purchasing a house but because of that delinquency we have to postponed our plans. This will cost us some money. 

My concerns : 1 ) They have my wife 's info when she was their patient. Why didn't they charge her instead of me? Understand we have a joint insurance card but when it comes to a bill or collection, shouldn't they be looking into their accounts and reach out to the right patient instead of their family members. Isn't this a HIPAA violation? 
2 ) If they have charged the insurance company then why they are charging us? isn't this a double dipping? NOTE : this is not a co pay or deductible that my wife is responsible. This is an actual bill and insurance company agreed to pay them. 
3 ) As per my wife, they have charged the insurance company for some work in the past that they didn't do. My wife filled a complain and then they reversed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020

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 2020-03-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On Ashley Home Furnishing I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and Ashley Home Furnishing reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.

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