vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called XXXX  on  XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the XXXX  agent, telling me everything was setup. Note that I had granted XXXX  to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted XXXX  to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before XXXX reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XX/XX/XXXX, I found my credit score has been ruined by XXXX  mistake. I contacted XXXX  on XX/XX/XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted XXXX  again for the update of the result. The agent told me XXXX  decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as XXXX   did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since XXXX  refused to resolve the issue, I filed a complaint in XXXX  and received XXXX  response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like XXXX  to ruin a persons credit score and refused to correct their error. 

The XXXX  misbehaviours ( 1 ) I got confirmations from XXXX  agents multiple times ( XX/XX/XXXX and XX/XX/XXXX )  about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) XX/XX/XXXXgot sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If XX/XX/XXXXhad trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) XX/XX/XXXXreported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) XX/XX/XXXXrefused to correct their mistake on my report ( 5 ) XX/XX/XXXX refused my call brutally to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 XXXX of 2019 when applying for credit to buy a home I noticed several fraudulent accounts opened in my name from who I believe be my deceased ex-boyfriend although I can not now prove it. I have made many attempts to XXXX with the credit bureaus but continue only to get uninvestigated template denial letters and 0 response from either Bureau. I have attached a copy of the FTC fraud report since the credit bureaus make it nearly impossible to submit it in a timely manner I am  requesting that the cpsb help me resolve the issue and getting those credit companies to comply with the. FCRA and rules set forth by the federal goverment.

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 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: AR

Complaint narrative:
The debt collection company has not sent me any letters, they also keep calling me after I told them not to contact me or even send me letters

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 2020-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
First, payments were deducted in triple and double amounts. Then, when I canceled auto payments and asked for a payment plan, was denied. 

Cut to two years later ( when they finally decided to get in touch with me ) I '' m all of a sudden being told that I can get on a payment plan - which I replied to - never got a response. Then I was told my debt was sold, and now I'm being threatened with wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
Experian has my credit card debt much higher than what it is. XXXX   and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.

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 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: NJ

Complaint narrative:
I get called daily from this company which I have since blocked. I still get notification of blocked calls and voicemails my phone just does not ring. The company is MiraMed Revenue Group. The phone number that they use to call me daily is XXXX. 

They always leave the same message which is that I owe a debt and need to contact them. I have answered the phone calls numerous times telling the company to stop contacting me to which they did not and led me to blocking the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My mortgage company double paid my property taxes. Have been waiting for months for the second round of payments to be refunded back into my escrow account but they have not yet been refunded. During all of this, Ive also received letters from the school district saying that they havent even received their tax payment and that my taxes are now overdue.. title company has not done anything or made any efforts to fix this issue. School district is now sending me letters saying that I owe {$3600.00} to them ( originally {$3000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card was obtained but I had no knowledge of it and the card was used for {$2000.00} in the year 2016 since then I am trying to remove that account first it was not mine second really huge impact on my credit which kept me from getting a card or renting a house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX  XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}

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 2020-03-12 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$870.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$820.00}

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 non-monetary relief
Consumer complaint received 2020-03-12 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:
some one used my identity last year I start calling the creditors this is a identity theft.

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 2020-03-12 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: NY

Complaint narrative:
XXXX  has my credit card debt much higher than what it is. XXXX   and Trans Union also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.

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 2020-03-12 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: NY

Complaint narrative:
XXXX has my credit card debt much higher than what it is. Equifax and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: LEXISNEXIS
State: IL

Complaint narrative:
On about XXXX I got a letter from my insurance co stating that LexisNexis ran a report and gave me a score. On the letter I tried 2 times to order the report and both times after knowing I entered the correct information there recording says sorry we can not finish this at this time and disconnects me. The time on the phone with them is about 10-15 minutes so its very annoying. after sending them an email about what happened, they sent me a message that they would get back to me in 24 hours. that was XXXX and now its XXXX and I haven't heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I went to Chase Bank to open new checking. I had an offer with me ( postal offer ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( Ms. XXXX XXXX XXXX ), I showed this coupon to her which she said the bank will honor this coupon. After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. After meeting all the conditions i still did not receive my offer, after calling to customer care, they registered my case XXXX XXXX XXXX XXXX XXXX ). After 3-4 days I got another phone from Chase case department and they told me that they will not be honoring that coupon as i closed my previous account last year. I tired explaining them that I already said the same things in the initial time of opening the account and that time your guys promised me that they will honor it and after 2.5 months you are declining it. She kept on apologizing as their banking officials but refused to honor this and told me to check with branch officials and closed my case. I completely felt cheated as I didn't conceal anything and told everything before clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I purchased airline tickets online through a third party in XXXX of 2019. 

Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes. 

I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me. 

Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates. 

That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}. 

This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to. 

Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket. 
I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
some one used my identity last year I start calling the creditors this is a identity theft.

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 2020-03-12 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:
some one used my identity last year I start calling the creditors this is a identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
i have been with citi for years many accounts. Recently their phone system has been changed and it INCONSISTENTLY recognizes your cc card when you use automated. I have lost much time due to this not getting info i need Today i called on card ending XXXX my cash returns and XXXX had me on hold. did not help I told her how frustrated i am. i wanted to pay a bit on my card and then DISPUTE an item i never received the XXXX   order I NEVER RECEIVED. we never got there. i hung up in disgust. Please fix phone system so it consistently recognizes the CC number in the automated system .ITS FRUSTRATING Please put that charge into dispute as i never received item.

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 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Someone called from XXXX to my best friends phone ( the same number I provided on the previous page ) and stated MY name on her voicemail and that it was regarding a transaction I approved, and that her " output will determine the outcome of this serious matter '' -- he is walking a very fine line, I don't know what the calls about as I recently had XXXX and have a lot of debt now but the language is definitely deceiving and appears to be against UDAAP standards. The callers phone number was XXXX extension was XXXX name is XXXX, states he was calling from Alliant Capitol Management, a company I have never heard of. I can assure you that nothing she says will determine ANYTHING and this was a false and deceptive statement ( coercive ) to an unauthorized 3rd party-and I have never authorized any transactions by that company, that was a lie. The phone number provided for a return call is not the same number on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2020-03-12 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:
this account is in the amount of {$2200.00} it was first listed on my credit with XXXX then sold to XXXX XXXX I turned in all the necessary paperwork proving that is was fraud it was removed from my credit then 30 days later it was back on my credit report with XXXX   XXXX  I have called them several times and all I have got is a answering, machine

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 2020-03-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX {$110.00} not mine XXXX XXXX  XXXX {$380.00} not mine XXXX   XXXX XXXX {$490.00} not mine XXXX XXXX {$610.00} not mine XXXX XXXX {$20000.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from Moneylion advising me of the adverse actions they are going to take on XX/XX/XXXX of selling off my investments to apply the profits to my installment loan. This legal notice states I owe {$0.00}, however they have placed me in collections for roughly {$100.00} that is adversely affecting my credit score. This amount is less than the amount of the loan I defaulted on because on XX/XX/XXXX my investments were sold and the profits of {$280.00} was applied to my loan. My issue here in addition to the negative credit reporting is that I was never provided with legal notice of intent to sell off my investments if I did not make a payment to bring me to current status on my loan payments. This company illegally sold my investments prior to allowing me the opportunity to bring payments current.

Company response to consumer: Closed with explanation