vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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:
In XX/XX/XXXX, XXXX reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with XXXX XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX Fraud Management OCA Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX 3 ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by XXXX for the fraudulent XXXX 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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Well me being honest I seen things on my credit report that was XXXX that things that was in the past that somebody else has used my information to things that I had knowledge about I kept honest about the things I didn't have knowledge about I didn't have knowledge about most things on my thing on medical. Open accounts like MasterCard hard and requires buy stuff like that I apply for certain things and I didn't apply for so it ended when I put the dispute and they say it's too fresh or is open like too early but for real for real I really think that right stuff should be swiped off my record because I didn't write process I got XXXX so that she took care of the hospital stuff I put the right dispute in and told the truth I'm just saying what's going on this supposed to be America right is right is wrong as wrong identity thieves living off of good people only thing I could do is be honest

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 2019-07-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a credit card that I closed. I called the company and was told the balance was {$4.00}, so I paid it. Several months later, American Express reported me to the credit card company for failure to pay the {$4.00}. I called and they assured me, it was fixed. 

Today, was the THIRD time I have been reported for the same issue that was supposed to have been settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX HOSPT COMPLIANCE SPEC My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

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 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is about Wells Fargo Bank ( WFB ). I am the sole heir of my father 's home. My attorney already transferred the deed into my name, per the terms of the trust. WF has received this information and has confirmed that they have it. I have been trying to get WFB to put my name on the mortgage and remove my mom and dad, since they are both deceased. I spoke to XXXX at WFB today ( XX/XX/XXXX ) and they refuse to do so and indicate that I must meet their assumption or refinance qualifications. I have been paying this mortgage for the past eight months and my understanding is that I do not need to " qualify '' if I am the child of the deceased and will be living in the home. I mentioned the law does not require an Ability to Pay provision in this case. WFB said that it used to be that way, but that Dodd Frank of 2010 changed and I would have to qualify as if taking on a new mortgage or refinance. I found 12 CRF Part 1026 RIN 3170-ZA00 dated XX/XX/XXXX that addresses this issue in detail. I found another article that confirms this as well. Both are attached. As far as I can tell, WFB staff are incorrect. I feel that they are deliberately violating the rules to try and get me into a new loan, complete with a bunch of new fees. This is after months of run around from them.The only reason I would take on the existing WFB mortgage is for ease and to not have a hard pull on my credit report. I would have no problem qualifying for a mortgage or refinance on my own, but I would seek much better terms than this bank offers. If WFB refuses to work with me, I will simply take my business elsewhere and get a new mortgage. However, what about all of the people who may not have this option? It isn't right that they are not afforded their options because WFB doesn't understand the rules.

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 2019-07-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX   XXXX Date of Inquiry :XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX/ XXXX XXXX/ XXXX   Date of Inquiry : XX/XX/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 2019-07-10 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: FL

Complaint narrative:
I have been calling and using my computer to get in touch with BOTH Experian and XXXX. 
NO human and website for Esperian is a disaster. CAN NOT get any information about a complaint. 
Can not get XXXX on the phone about a dispute. 
Both companies reports have been effecting my credit report adversely, I need to fix this ASAP. 
I was able to get thru to XXXX - they are not a problem at the moment.

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 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XX/XX/2019 TransUnion and XXXX reported a XXXX XXXX XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX I disputed the account with XXXX by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with TransUnion and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( T.U. File No.  XXXX/XXXX # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed TransUnion and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX debt was still appearing on my credit file at which point I called spoke with a representative at TransUnion explaining that XXXX directed the account be removed from my file as well as faxing to TransUnion a copy of XXXX 's CFPB response. The TransUnion representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, TransUnion and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.

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 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
QVC was advertising a {$40.00} promotional credit which would be applied to the next purchase which I never received. i have contacted them multiple times and still have not been able to resolve this. I received the pre-approval right away and when I tried to use the card that same day it wouldn't go through. I had the QVC rep try various times and the account number would not work so they reported as lost and issued me a new one that same day and i made a purchase but never received the credit. I am seeing them continuously offering promotional statement credits of various amounts even now and have seen complaints online from others who have never received the credit either and would like to see this fixed.

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 2019-07-10 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: The Outsource Group, Inc
State: FL

Complaint narrative:
On or about XX/XX/2019 XXXX and XXXXx reported a Medicredit , Inc. collection account against my file. After numerous failed attempts to discuss the matter with Medicredit I disputed the account with Medicredit by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the Medicredit account with XXXX and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX. File No. XXXX # XXXX XXXX. 

On XX/XX/2019 Medicredit responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of Medicredit 's CFPB response is attached. 

On XX/XX/2019 the Medicredit debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that Medicredit directed the account be removed from my file as well as faxing to XXXX a copy of Medicredit 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 
As Medicredit has directed the credit reporting agencies to remove the Medicredit account from credit file and the agencies refusing to comply, XXXX and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.

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 2019-07-10 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: FL

Complaint narrative:
On or about XX/XX/2019 XXXX and Equifax reported a XXXX , XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX  I disputed the account with XXXX  by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with XXXX  and Equifax on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( XXXX.  File No. XXXX/Equifax # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed XXXX  and Equifax to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX  debt was still appearing on my credit file at which point I called spoke with a representative at XXXX explaining that XXXX directed the account be removed from my file as well as faxing to XXXX a copy of XXXX 's CFPB response. The XXXX representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, XXXX and Equifax are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: RI

Complaint narrative:
Company opened a personal account for me, and denied opening my business account. I'm not complaining about that, but they proceeded then to close my personal account without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXXXXXX XXXX  XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX 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 2019-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been calling and using my computer to get in touch with BOTH XXXX and Equifax. 
NO human and website for XXXX is a disaster. CAN NOT get any information about a complaint. 
Can not get Equifax on the phone about a dispute. 
Both companies reports have been effecting my credit report adversely, I need to fix this ASAP. 
I was able to get thru to XXXX  - they are not a problem at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I obtained a copy of my credit report via XXXX. Problems occurred and I wrote XXXX and was given a phone number to get report. I got reports. On XX/XX/XXXX I sent a letter to Experian with a list of corrections to report number # XXXX report dateXX/XX/XXXX. On XX/XX/2019 I received another credit report # XXXX dated XX/XX/XXXX. It stated " you are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. '' Not True ''. None of the corrections in my letter were addressed. Trying to contact Experian by phone is impossible and their website has no way to contact to speak to anyone. This is in violation of the Fair Credit Reporting Act. I also sent corrections letters to XXXX and XXXX XXXX on XX/XX/2019. I have not received a response but assuming it takes more time. However, Experian sent a new report without responding to my request for corrections.

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 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!! 

They have called me at least 30-60 times within the last month.

Company response to consumer: Closed with non-monetary relief