vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
In the last two months I have been charged a late fee of {$40.00} on my credit card account while making the payment on the due date and receiving notification from the credit card provider that it was in fact made on the due date. Tonight I called the provider and spoke with a XXXX. XXXX tells me that my payment is due by XXXX on the due date. I asked him to please provide where that is stated on my account. His response was " IT'S ON THERE SOMEWHERE IN SMALL PRINT '' " I'M NOT SURE WHERE BUT I KNOW IT'S ON THERE " Well I have read the small print and it states NO WHERE on there that my payment is due by XXXX XXXX. What is states is the following. " Internet and telephone payment options are available and crediting times vary ( But generally must be made before XXXX XXXX   CT TO XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet or telephone payment please contact Cardmember Service for times specific to your account and payment option. There is noting on the Card holders website that states the payment must be made prior to a certain time or it will be considered late nor is there any specific time as XXXX told me was in the SMALL PRINT ON THERE SOMEWHERE. This is clearly deceptive on the part of Elan Financial and they should be required to post in plain sight both on the statement and the website that if a payment was not made by a certain time it would be considered late. My payment posted on XXXX XXXX according to XXXX who offered absolutely no assistance even though my account is prompt every month.

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 2020-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Further information needed into the accuracy of Mr.Cooper 's reply letter dated XX/XX/XXXX. 

Your letter claims no post-petition made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Can you please acknowledge the Chapter XXXX bankruptcy court 's confirmation date of XX/XX/XXXX? If this is correct, no repayment schedule ( plan ) had been approved by the Bankruptcy Judge/Trustee for that XX/XX/XXXX payment. This would be the reason for no payment. Transactions # XXXX, # XXXX, and # XXXX of XX/XX/XXXX, should have been moved to post-petition payments after confirmation repayment approval. Please see the payment transactions from your attached reply ledger. Transactions # XXXX, # XXXX, and # XXXX ( page 29 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? Transactions # XXXX, # XXXX, and # XXXX ( page 24 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? 

Please explain Transaction # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX ) and # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX )? Both seem to be the same code used at Transaction #  XXXX that transferred this loan to your mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I currently have a legal team working with me to improve my credit standing. XXXX XXXX XXXX has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XXXX stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.

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 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have currently been on hold for 1 hour and 50 minutes being sent from one ignorant operator to the next. I work very hard form my money and I contacted the bank immediately after I recognized a charge I did not approve. When I asked the bank I trusted with my funds to stop payment on the unauthorized charge I was told nothing can be done until the charge goes through. Once the charge went through I called the bank and disputed the charge explaining that I had closed and account and was supposed to be sent a final bill but the company just applied the full amount to my account on file without my approval. I was told that I would hear back from the dispute department but no one ever disclosed that there would be a 90 day wait period to get MY MONEY back. No one disclosed that I could even dispute the charge with the company that applied it to my account now my account has fees and fraudulent charges totaling to over 600 dollars and my family can not afford to eat or buy gas to get to work. Its horrible that billion dollar companies take advantage of customers with limited funds but it causes even more detriment during a pandemic. Also when I asked how do I know that my complaints have been filed correctly if no one will give me a name or reference # for my complaint and customer service reps gave me nicknames like XXXX and XXXX. Nothing that I could use to report specific poor attitudes. A complete disgusting and disgraceful experience. Truly upset

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Try number 2 ( initial complaint not resolved by Equifax ) Equifax will not let us manage our credit freeze either via website they provided ( received the following error message : https : //my.equifax.com/membercenter/ # /login/error/mc-general-no-specified-error ) or via phone. They have provided no assistance in justifying refusing to allow us to monitor our credit freeze via web or phone - or in attempting to resolve the issue. As it stands, we can not effectively manage our credit with Equifax. To make matters worse, they removed a credit freeze we put in place WITHOUT our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-17 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: CO

Complaint narrative:
Experian leaked personally financial information in XXXX, at their advice I placed a freeze on my credit information. Now, there isn't anyway to unfreeze the data so that I can refinance a mortgage. Despite providing them with PIN they provide I can not unlock my information. I have provided extremely personal financial information via the US Mail at their direction in XX/XX/XXXX, but can not get a response of any kind from them. There is no way to contact and reach a live representative to discuss the issue as they only offer online services that say to mail the information or phone responses that say to mail the information. They are actually costing me tens of thousands of dollars from changing finance rates. At this point, it appears the only way to reach a live human being is to pay up for their XXXX XXXX program, which appears to be a violation of the settlement agreement for the data hack in XXXX and the Fair Credit Reporting Act.

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 2020-08-17 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:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.

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 2020-08-17 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: TX

Complaint narrative:
Someone stole my Identity to open Fraudulent Accounts using my person Information without my consent

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 2020-08-17 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: KS

Complaint narrative:
1 - There is an address that I have never lived before on my consumer report.

2 - There is no such former name for me. Incorrect on consumer report 3 - Employment dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , Inc. and now XXXX XXXX XXXX have reported a debt on my credit report and continuously attempted to collect a debt that is not and has never been my debt, nor is it an account for which I am knowledgeable or a guarantor. 

I have contacted XXXX XXXX, the listed debt description, in person and by phone on numerous occasions. XXXX has confirmed repeatedly by phone that no debt exists in my name or related to my social security number. Despite reporting this to the credit bureaus and debt collector, the debt continues to be reported against my credit. 

The amount of the debt listed is {$680.00}. The current debt collector is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Their reference number is XXXX. The same debt is also reported by what appears to be a related company, Jefferson Capital Systems. Inc. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MN

Complaint narrative:
Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " IQ Data International '' put a $ 22,000+ collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ 22k+ to now showing as $ 11k+. In XX/XX/2019, I filed a dispute with all three major credit bureaus, XXXX, XXXX  and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with XXXX. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I noticed an account on my credit file of which I was not aware of, I contacted EOS CCA to ask for debt validation 3 times and they have not responded. I contacted the BBB and EOS CCA said they would send debt validation within 10 days they have not done so to date. I reached out to the credit bureaus and they informed me the debt was verified, how is that possible when the company EOS CCA who is reporting the debt is not even the owner of the debt? Furthermore, the company claiming to be the current owner ( XXXX XXXX XXXX ) is pretending to be a lending institution, who is claiming I took out a loan or some type of credit with them, which I did not. Isn't it against the law for a collection to try to collect a debt that they can not prove they own or is assigned the debt by the original creditor? EOS CCA is not the owner of this debt, I have attached a bill EOS CCA sent listing XXXX XXXX as the current creditor and certified mail receipts which shows they received my request for debt validation. They listed XXXX XXXX company as the current creditor which is a lie because XXXX XXXX is not a lending institution. I have tried to contact XXXX XXXX XXXX and was unable to get an address or phone number. I have never done business with either of these company who are claiming that I owe them money. I do not owe these companies any money and I don't have any affiliations with them! They are collection companies operating under false pretense as creditors to scare or scam consumers into paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TX

Complaint narrative:
Someone stole my Identity to open Fraudulent Accounts using my person Information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
Someone stole my Identity to open Fraudulent Accounts using my person Information without my consent

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 2020-08-17 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: LEXISNEXIS
State: FL

Complaint narrative:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: ID Analytics, Inc.
State: TN

Complaint narrative:
I've reached out to Sage Stream twice to place a freeze on my account. The second time sent additional information to verify who I am, like XXXX XXXX requested and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
this medical bill was paid by a workers comp from my job

Company response to consumer: Closed with explanation