vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
American Express representative had been calling me from number XXXX. On XX/XX/2020, I received a call from wife 's caller ID. When I answered the call, it was the American Express representative. This is called spoofing and did not think this was allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXXXXXX Docket # : XXXX Source : XXXX/XXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX B XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} 48 - {$5800.00} 82 0 0 0 BANKRUPTCY XXXX/XXXX  XXXX XXXX XXXX XXXX (  CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a new checking account with Wells Fargo and was supposed to receive a {$400.00} bonus if I deposited {$4000.00} or more within 3 months of opening new account. I should have received it weeks ago and after multiple calls I have still not gotten it. 

- XX/XX/2020 New checking account created. I received an email from Wells Fargo with the eligibility requirements and what I need to do to receive the bonus. 
- XX/XX/2020 I receive a direct deposit of over {$4000.00}, meeting the bonus requirement within 3 months of opening the account. 
- XX/XX/2020 I call Wells Fargo telling them I still haven't gotten my bonus. The person on the phone says that I will receive it within 30 days after I have met the requirements. 
- XX/XX/2020 31 days since I have met the requirements for the bonus. I call Wells Fargo again and tell them I still haven't gotten my bonus. The person on the phone says to wait 10 more  days. 
- XX/XX/2020 I call Wells Fargo again. Told to wait more. 
- XX/XX/2020 I call Wells Fargo again. I am told that she has filed a " report '' to investigate my situation. I am told to call again in 10 more days.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
This company has called me 8+ times on two different numbers asking for someone I'm not associated with. I answered 5 times asking each time to be removed from the " do not call list '' and yet they still call daily, this has now become harassment in my opinion. 

Phone numbers I was called from : ( XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2020-09-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
went to XXXX to request credit reports from all 3 sources. The program glitched when I tried to get my third ( Experian ) report and I have spent an hour calling and recalling their various phone numbers, pleading for help from a human being who could resolve the situation in 2 minutes, and being hung up on by automated systems.

My complaint is twofold : there is no way to get help if an automated process glitches up in the middle from the original source of the issue because there are potentially a lot of places where it could glitch up ; and, when you try to ask the only source available in the chain, which, after all, is the one handing out the information, you get no help from the robots and no way to talk to the humans. I may have tried to order  another credit report through the voice messaging system while trying to reach a human being at Experian 's customer support desk. If that happened, then there is a third complaint that now my credit will be affected by this screw up and it will need to be adjusted accordingly This is why robots will be the downfall of civilization - bad sloppy lazy programming

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 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. XXXX  and Transunion are failing to report XXXX partial account number XXXX is in fact In Dispute. Transunion is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-09-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. Experian and XXXX  are failing to report XXXX  partial account number XXXX is in fact In Dispute. XXXX  is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

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 2020-09-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Someone fraudulently applied for an SBA loan using my name and company. I was able to stop it at SBA before money was issued, but I have had a very difficult time contacting credit bureaus to place a freeze on my accounts. This particular complaint is about Experian. I tried to log in to Experian this morning. I have now spent more than an hour trying to reach them. Here 's what happened : I tried to log in with my username and password. System said I would have to confirm a texted security code. System correctly displayed the last 4 digits of my phone number. I agreed. System failed to text me and displayed the following " Oops, we're sorry! We are currently unable to process your request. Call us toll-free at XXXX '' Tried calling. Tried each voice tree option and could not get through. XXXX  for other Experian numbers and could not reach a person or any other help on two other numbers. Most times, after making a selection, the phone gave me a busy signal.

I agree they are a " sorry '' company, but this is unacceptable! I don't care if they are short staffed or can't keep their computer system operational. Let their overpaid executives answer the phones, then.  They have extraordinary power over my financial life. Therefore, they need to demonstrate extraordinary responsibility and responsiveness. They don't! They need to take whatever measures are necessary to correct this situation now. Instead, they have wasted an unreasonable amount of my time when I try to place or follow up on a freeze. Initiating and following up on the freeze is my RIGHT. If they don't allow me to exercise that right in a timely and efficient manner, than they should be required to compensate me for the harm they caused - namely, my lost time.

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 2020-09-29 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been  unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXXXXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-09-29 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX/XXXX/EF File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX/EF  XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
It is JP Morgan Chase credit card. They had doubled my interest per month and I could no longer afford it. My social security checks are deposited there. I fell behind in payments. Accrued extra late fees and interest and paying them back is no longer possible. I have a daughter with XXXX as well. We do not have the money. I called several of their departments to get my lower interest rate restored to no avail. They said it had been " introductory '' for a year. I didn't know this. I regret and apologize for their inconvenience, from my heart.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/XXXX wells fargo contacted my cosigner on the last day of my forbearance being active and started threatening her that if she did not make a payment that the loan would go into collection. They made her feel threatened and spoke to her in a to make her feel very uncomfortable and threatened. They knew two weeks ago I was going to reactivate the forbearance I called in the middle of  XXXX to extend it and they reccommended that I wait to the end of the forbearance to make sure i get the optimal amount of time. They have constantly changed up information they require they needed for paymant adjustments as well. Switching up the documents and just making it extremely difficult to setup a payment that I can afford even after providing both paystubs that I make from work and the social security income amount of my cosigner. This is getting out of hand I have told them multiple times that I am willing to  make payments that are within my budget. I do not know what else I can do I need help with 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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
2013 I opened 2 separate secured accounts one for XXXX and the other for XXXX. Due to financial hardship, I default on both accounts. The money I've deposited for the secured accounts should cover the amount default. The collection company is trying to get me to pay on a debt that is already paid in full. I called and explained the situation and I'm not getting anywhere. They don't have records of my secured deposits but they do understand that they were both secured accounts, meaning that the deposits made secure the default amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 XXXX XXXX requested Experian to block fraudulent items off my credit report. two of them that they didnt block was XXXX XXXX  and XXXX XXXX/XXXX  under the FCRA subsection 605b I requested the two accounts to be block due to fraud. the companys had resert it back into my credit report without any explanation why they reinsert it. so I provided additional information, relevant documents as the XXXX county police report. A POWERFUL AFFIDAVIT. THE MORE EXPERIAN AND XXXX  KEEP PLAYING GAMES, THE EASIER I CAN BUILD A CIVIL CASE. AT THIS MOMENT I CAN SUE THEM FOR OVER {$40000.00}.

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 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I'm not sure why you closed the last complaint? Just because Wells Fargo replied it doesn't mean what they said is correct!!! I'm very disappointed and feel you should push harder!!

Wells Fargo is still attempting to move the wrong amount of money to the backend of my loan! I have a letter in which they state I owe for 4 months in the amount of {$3800.00} instead of the 3 months I owe, for one, {$2900.00} is the most I owe for the 3 months I did not pay. They say I owe XXXX - XXXX {$950.00} which equals my monthly payment, proving they are trying to move 4 months. I also paid to escrow on XX/XX/20 {$1400.00} so the balance should only be {$1400.00}!! They are insisting that HUD demands they move they whole balance to the end no matter what I paid, but I just got off the phone with HUD and am filing a case of fraud with them which they suggested I do because there is no clause that states they have to do it the way Wells Fargo insists HUD demands. XXXX with HUD informed me the only wording they provide is " Balance OWED for suspended mortgage payments! '' She was confused as to how they came up with their wording and insists this is not a HUD requirement! She has sent me the info to file a fraud complaint against them with HUD and feels what they are doing is not proper!!

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 2020-09-29 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: PA

Complaint narrative:
Unable to temporarily lift a credit freeze for a credit inquiry.

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 2020-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
I received a call from XXXX ( XXXX ) XXXX from a company called EOS - EOS, XXXX XXXX XXXX, XXXX, MA XXXX attempting to collect a $ XXXX debt for a private student loan I received and paid off. They provided me with a home address that I was completely unfamiliar with, but appeared to be the location where my cosigner lived, someone I am no longer in contact with. This debt was paid in full years ago. I told them any attempt to collect any debt should be sent in writing to my home, but they were unable to verify my home address. Further, the only information they were able to provide me about my account was my date of birth, the name of my college, and the name of my co-signer and his address and a debt amount of XXXX. When I told them that all of my student loans were paid in full, they asked that I fax verification to their company at XXXX XXXX XXXX. Upon XXXX  this company, it appears they try to collect on debts that have already been closed, and report to credit agencies. If that should be the case, I would dispute it because these accounts are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Demanding money everyday. Im severely XXXX, can not pay. Some type of portfolio company? Number changes daily. Numerous request given to stop calling.

Company response to consumer: Closed with non-monetary relief