vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION ASSOCIATES, LTD.
State: OH

Complaint narrative:
In XXXX of 2020, I received a credit alert When I checked my credit report I saw that I had a collection account from Collection Associates XXXX XXXX XXXX, XXXX, WI. On further investigation I found that they also operate as Collection Associates LTDXXXX XXXX XXXX XXXX , XXXX , WI XXXX. When I first disputed this account it came back as verified, I have never had an account with this company nor who they say they are collecting for. I have not received any notifications in the mail nor phone calls about this debt it just showed up on my credit reports. I contacted the XXXX  and Collection Associates response was that they don't have an account with me. Which is untrue because they are on my credit report. They also operate with two different phone numbers one being ( XXXX ) XXXX and the other being XXXX. I found this out by a class action lawsuit that was filed against them ( XXXX v Collection Associates LTD ). The PO Box address is the one listed on my credit report, the street address is the one I filed a complaint with the XXXX  and Collection Associates claim I didn't have an account with them. I believe they are giving consumers the run around by having two different addresses and phone numbers so that we can not complain and just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I requested that Remitly send {$25.00} to XXXX XXXX In XXXX 6 days agoXX/XX/XXXX. Money is not available and no one is able to help. They just say wait and see.Numerous chats have produced nothing. 
My name is XXXX XXXX. They claim its not their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the second time I'm filing a complaint and next time I'll file a lawsuit or get the NY DA to subpoena Citi. I was working with XXXX XXXX at the executive office to get Citi to release my funds which were stolen from me in the form of cashier 's checks by a Citi customer. Citi has ignored my request despite calling in multiple times and getting passed around to different representatives.

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a credit line of {$28000.00} with American Express. 
I have an exceptional payment history. I've always paid on time and always way more than the minimum payment! I had {$13000.00} credit available. I called my town to pay my tax bill. I was paying {$2000.00}. The card was declined! I then received an email that, for no reason, my credit line was reduced to {$15000.00}. A reduction of {$13000.00}. By email. The day I'm paying my taxes. No explanation. No notice. No way of paying the taxes. 
I received a measly {$1200.00} stimulus check. American Express, I'm certain, did well. No notice of credit line decrease. Embarrassing, humiliating, stressful, and no alternative, or time to plan an alternative, for property taxes. Threat of foreclosure by reverse mortgage company if I can't keep up with taxes. 
I can't breathe! XXXX XXXX XXXX. Pay my bills. Good credit history. I can't breathe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mezcal Corporation
State: CA

Complaint narrative:
Originally obtained a predatory car loan with an interest rate of 26 % through mega auto finance in XXXX XXXX, CA. I believe, and a high car payment, with the vehicle also having a mandatory vehicle disabler, like I was a criminal or something. Than after a few months to a year I decided enough is enough and I volunteered to surrender my car, which was co-signed by my dad. The company sold the car at auction only getting if I remember a third of the loan value. They wanted an additional at the time around {$6000.00} more. I told them that wasnt my problem, that they didnt get the amount they wanted. So they put a derogatory remark on my credit and my fathers. So for each month over the next three or so years they marked as late unpaid. Eventually charging off as bad debt which also said CLOSED. Yet here we are a year Or two after that remark, and they still are reporting negatively. I had attempted last year to settle the debt for {$1500.00} to put an end to it, they wouldnt even consider it. After asking for a manager I was given a specialist who is a glorified debt collector. XXXX XXXX. 

Than, after recently checking my report, they seemed to have added on interest!

This company needs to be shut down. Nothing but bad reviews and predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I was conversing with the head office of a national bank for the better half of 2 hours in the evening trying to solve an issue. 

The banker had to make a call, and I concurrently recieved a call from another source. 
We both had our respective conversations. 
The XXXX XXXX rep was looking to update my number in the system of her banking platform. She subsequently advised me of her actions. 
A few minutes past XXXX XXXX, I noticed an email emminating from Google indicating an update of my recovery phone in their database. 
So, I mentioned that the Google Account was being notifying me that an update phone number had been received. 

Only after I mentioned to her this receipt, was she then made to go into the banking institution 's platform and update my phone within the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In 2018 i spoke to a Wells Fargo representative about a payment that was not due at the time.I told the representative that due to being out of the country i could not make the payment until i was back to the united states.Wells Fargo states to me that if the payment goes over 30 days they will not report anything onto my credit.I have been a customer for wells Fargo for years and never experience this type of treatment i am a customer that does not miss payments.I have wrote wells Fargo multiple times and no reply regrading this.This is not good customer service that you are offering your customers.This should not be reported onto my credit.Very disappointed in your services.

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 2020-06-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Has added a negative item and it needs to be removed I do not owe anything to their company. Acct number XXXX for the amt {$1200.00} dates back to XX/XX/2018 please remove

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 2020-06-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
XX/XX/2013, my identity was stolen, the following year my taxes were filled with the stolen information which I was then alerted. Since then I have disputed a deposit account, a `vacation mortgage, and auto loan on my report with XXXX  and requested that they block the information from my credit report, I've requested the physical evidence from their investigation, and reached out to the actual lenders to furnish this information as well as providing my identification, all police reports, id theft affidavit, a copy of my letter from the IRS stating my social was used fraudulently. I always receive a generic response without evidence of an actual investigation by a human took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WA

Complaint narrative:
Ive been a victim of identity theft and I mailed my Identity Theft report to the credit bureau and they ignored these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WA

Complaint narrative:
Ive been a victim of identity theft and I mailed my Identity Theft report to the credit bureau and they ignored these fraudulent accounts.

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 2020-06-05 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: WA

Complaint narrative:
Ive been a victim of identity theft and I mailed my Identity Theft report to the credit bureau and they ignored these fraudulent accounts.

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 2020-06-05 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: MO

Complaint narrative:
I want to file a complaint against the three credit bureaus, specific to Experian. 

Since last two months my payments to the credit companies are exceptional and also there was no incident happened that can brought down my credit score 23 points. Regarding this matter, I contacted with Experian but got no answers. 

Here are my complaints against them 1. Why can we see our own data/report, credit bureaus collect from the financial institutions. Because those data/report help us to understand whether there is any problem with us or the financial institutions reported the incorrect data or did any mistakes. 

2. Secondly, Based on what criteria, they increase or decrease the credit score, why they never disclose to a consumer ( by providing report online etc ). 
As an example, report like this Previous score XXXX Current score XXXX -- reduced to due to 1-late payment etc. ( this part they never disclose ) But they never disclose the details behind their scoring. 

3. Why in credit bureaus, everything is so secret, which raise the questions about their honesty and motive. They collect, store and use our data/info. They have no right to play with us hiding our data/info. 

4. Why they don't have any live customer service to provide clarifications or addressing any concerns about our score/report etc. Like XXXX, Experian have no live customer support. 

I, therefore, request you to take the necessary actions to protect us, before they further ruin our financial situation.

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA statement MC ending XXXX. ** I did Not Open this Account ** Secure data from this account was used to Open a Visa ending XXXX. UNAUTHORIZED TRANSACTIONS OCCURRED XX/XX/XXXX - XXXX XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date of XX/XX/XXXX {$470.00} UNAUTHORIZED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, XXXX and XXXX are ALL reporting false owed items. 

Dispute # 1 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company : US Department of Education opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified 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 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA Collection Letter of XX/XX/XXXX Account ending XXXX. I DID NOT OPEN THIS ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
bought a pool and used my visa credit card to purchase a swimming pool. They sent me a confirmation email that i still have. When i went on thier website I did not see my purchase or nothing about payment recieved. Then I tried to cancle the paypal profile and they wont let me do so. The amount in the paypal account was XXXX cents and they say i have a negative balance and can not close account. I DO NOT HAVE ANY OTHER BALANCE OTHER THAN XXXX CENTS. I WANT ACCOUNT CLOSED!! I also recieved confirmation from XXXX. That company did not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA COLLECTION LETTER OF XX/XX/2020 ACCOUNT XXXX. I DID NOT OPEN THIS ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX Transunion was notified that an auto loan was reporting multiple inaccuracies. I requested that they'd update the account, because I was never late. In XX/XX/XXXX, I deferred payment with an auto lender. The paid amount was agreed upon, however a late payment was reported. The auto loan is a " Joint Owner '' auto loan. 

Since then, multiple inaccuracies have been reported on the account as well. I then sent TransUnion a 3-Bureau screenshot of the numerous discrepancies reporting on the account and requested that they correct it. 

The " balance owed '' on all 3 bureaus are reporting different amounts, the " last payment activity '' dates are different, COVID-19 deferred payments are reporting as missed payments despite the accounts being notated as 'Affected by natural disaster '. 3-Bureau report also shows Transunion last payment was " XXXX XXXX '' and was last verified " XXXX XXXX '' ... However, today, XX/XX/XXXX, XXXX has been updated to a missed payment. 

XX/XX/XXXX is current, XX/XX/XXXX is current, XX/XX/XXXX says 60 days late ... XX/XX/XXXX was updated to 60 days late, yet 3-Bureau shows Transunion payment made XX/XX/XXXX and verified by Transunion on XXXX I asked creditor to defer payment due to COVID-19, creditor agreed. Creditor notated account as " Affected by natural disaster '' In XXXX. I made a payment of {$220.00} any way, and XXXX 's payment was updated today to another 60 day late. 

CFPB, Attached are the screenshots for your viewing. The attachments shown proves the various violations brought to Transunion 's attention. 

These inaccuracies and discrepancies are reflecting on both me and the joint owner 's credit report. I informed Transunion that if this is the same account, why is all of the information different and inaccurate? This is a violation of the FCRA and is not fair for the consumer. 

As of XX/XX/XXXX instead of Transunion removing the late payments from the account as I requested, the information was 'updated ' in a more contradicting and harmful way.

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