vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX deleted the inaccurate information, XXXX and Experian would not delete the inaccurate information. XXXX   and Experian said their information was verified as accurate. The third party company ( XXXX XXXX ) in which Experian and XXXX claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested Experian and XXXX  remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which Experian and XXXX say they are getting accurate information is stating the information is not verified and accurate how can Experian and XXXX report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my Experian and XXXX reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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 2019-07-08 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: TN

Complaint narrative:
It is seemingly impossible to speak to a human being at Experian. My wife, XXXX XXXX was denied a simple credit card ( XX/XX/19 ) application at XXXX ( on their website ) due to mis-information in the Experian database. According to the XXXX XXXX rep whom I spoke with at length at on XX/XX/19 XXXX XXXX social security number doesn't match Experian 's records. How Experian fouled their data up is beyond me. I have spent hours on their asinine automated phone menu, completely unable to reach a human. Accordingly, I am furious. 

Ironically, XXXX has a very high net worth and no debt. She is an authorized user on a XXXX card with a {$24000.00} limit, which she pays current. 

Ultimately, we opened the XXXX XXXX account in my name, XXXX XXXX XXXX, as XXXX is being denied access to normal credit due to Experian 's gross negligence.

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 2019-07-08 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: GA

Complaint narrative:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Asset Services LLC
State: FL

Complaint narrative:
Contacted XX/XX/XXXX by automated system, and call was returned. Spoke with gentleman, and I advised him that I would contact the lender regarding this claim they have stated they have given I have arrangements with the company. I advised him I would contact the lender, and he stated " We are done here '' then disconnected the call. After this event, I returned the call to the company Eastern Asset Services contracted by XXXX XXXX His first response was either what do you want you little XXXX, or what the XXXX do you want. I advised him that I will not be talked to in a abusive manner and do not contact me as I will contact his compliance department. 
XX/XX/XXXX at XXXX XXXX  I received a call from the same number after requesting Do Not Contact. 
Returned the call and spoke with what seemed like the same gentleman XXXX XXXX who is the office manager of the facility. 
He stated that my account had been closed as of XX/XX/XXXX, and also stated that no contact had been made. This is clear misrepresentation of the facts surrounding the initial attempt to collect, and evasive methods attempting to conceal their inability to follow proper state and federal regulations stated in 15 US 1692f.

In addition, I spoken with compliance regarding this matter, and they are currently investigation the incident that occurred, but this will be pursued in a legal capacity as no individual should be subject to such demeaning attempts to collect any debt.

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 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/19 I noticed a {$25.00} Auto Pay WF Loan withdrawn from my account. I called the customer service number on line. I was told this charge is an annual fee for a {$10000.00} personal line of credit opened 6 years ago. They couldn't provide the date or any explaination why I haven't received any documentation nor do I see this personal loan listed on my accounts summary page or anywhere on my online account. I asked for documents authorizing this loan to be opened and no one I've spoken with has access to the requested documents for proof of authorization. 

On XX/XX/19 my wife and I visited our local WF branch and again no one had authorization to give us the information or documents. We were promised we would be contacted by XX/XX/19. We were not contacted on XX/XX/19. 

XX/XX/19 XXXX from our local branch called to ask if we had received a call from anyone. We told her we had not and she said we would be contacted within the next two weeks. 

We have asked for the line of credit to be closed and all funds returned to our account. I did confirm the line of credit posts on my credit report but I can't find anything on my online account to confirm the account was opened or has been closed. 

I have no need for a personal line of credit and have no recollection of ever authorizing one to be opened or my account to be charged with it. 

The inability for anyone I have access to with Wells Fargo to give me documents, dates and answers leave me to believe this account was opened without my authorization and is infact faudulent. I have been charged for 6 years and my credit has been affected. 

I have notified WF I would be filing a complaint with CFPB.

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 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX contacted my husband whom I was not married to at the time that I had the credit card. I have paid this debt and it is over 10 years old. I have repeatedly told them this over an over. They are threatening me to come to my job and they are verbally abusive on the phone. 
I have told them over and over that this was taken care of years ago and now they are harassing my husband who I've only been married to for less then a year. They repeatedly call and make accusations. 
I am tired of trying to be nice with rude, disrespectful, XXXX ppl who yell and cuss at me. 
Please stop call me I have told them if they think its mine to send it to me in the mail but to not call me anymore. Yet, they call from multiple numbers and it's the same thing over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: VA

Complaint narrative:
I purchased two items from amazon.com store-card via Synchrony Bank and returned the items for a refund per their agreement to the terms. 

I submitted the receipt and the items via their return label. The items were charged to my credit account. I sent the receipt that the items were returned and though they " continue '' to state they would refund my purchases since XX/XX/2019 they have refuse to respond and reimburse my account. 

On page 2 of 3 I have highlighted the charges that cleared, their return receipt via USPS with tracking numbers ( verifying they were returned ), per their instructions. To date they have completely avoided my calls, email and requests for refund on three separate occasions. 

Charges was for {$29.00} for one item and {$63.00} for the other. I am requesting they reimburse my amazon account immediately.

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 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX  has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
I have been divorced from my ex-wife for over 6 years. Home was in foreclosure at the time and I had ex-wife sign quit claim deed so I could pursue saving the home. XXXX XXXX did a HAMP modification, reducing interest rate and extending terms. I had to payoff a defaulted second mortgage in order to qualify, XXXX agreed to accept 1/2 to defaulted judgement amount. After a year of on time payments, I applied with XXXX XXXX to assume the mortgage from my ex-wife. After several attempts, I was finally told about there being a problem with the paid off defaulted 2nd mortgage and that the seasoning requirements for the forgiven debt was 4 years. I filed complaints with XXXX XXXX 's Executive Resolution department and before I received a reply from them, I received a Notice that my mortgage was transferring ownership to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing ( Part of the XXXX XXXX ). I have spoke to S.L.S. many times looking for a solution and was told I could do a simple assumption by two different representatives and submitted Request to have ex-wife removed, included Quit Claim Deed and Divorce Decree. They have now told me that their company does not do assumptions. My ex-wife has filed contempt of court charges because I can't get her name off the loan and I am facing 120 days in jail if I can't get her name removed.

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 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Protection Association, L.P.
State: OH

Complaint narrative:
This company has third party disclosed to my father. Embarrassing me to my family. They have also reported to my father 's credit report. They did not verify any info on call and clearly when credit reporting did not either. I will be taking further action.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
My bank, XXXX/XXXX, pulled a credit report from XXXX. On it were records from the three known agencies ( XXXX, XXXX, and XXXX ), which I monitor faithfully. It also included, however, a report from Lexis/Nexis ( I had no idea they were in this business. It contained incorrect public information ( a tax lien ) which I had removed from the other three sites. Lexis/Nexis provides no way to get your report online, nor to challenge online. It is all done via phone and mail, and the process is very opaque. You need to click through several screens to even get to some semblance of help. My bank is trying, with XXXX, to fix the problem. For consumers this is a nightmare. My guess is that 99.9 % of consumers have no idea that there are other " agencies '' reporting and monitoring their credit. 

I contacted Lexis/Nexis on XX/XX/19. The resolution will take up to 30 days and I had to push to get them to explain their process. I also sent them the page from my county collector ( XXXX County, IL ) to verify that there is no public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
I had a loan with another company the interest was high over 25 % I wanted to find a better offer, I applied on XXXX I was approved for a loan with 1st investors finance, I had originally applied for a monthly payment of {$440.00} after I went through all the steps online I was asked only to print a registration transfer and mail it in. So I did. In XX/XX/2019 my loan amount shows {$600.00} monthly I called XXXX and 1st investors more then 100 times with emails to complain this is not the loan I wanted. I advised them why would I accept something worse then what I originally had. Every time I am to blame by XXXX even on their website no information was provided about this new loan. They told me they have a glitch on their system I told them they sure do because I did not ask for this loan of XXXX monthly. I have an illness a life XXXX XXXX that I can not afford payments of this amount and would never signed or agreed on such. I just want out of this loan this scam. After XXXX months they send me a truth and disclosure notice I have never seen before.

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 2019-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX I discovered a credit card that was opened in XXXX of XXXX, ( Case #  XXXX ) fraudulently using my information. I reported this as identity theft to the company and opened an investigation. I have also filled out a police report and a Report on the Federal Trade Commission. The company has taking no urgency to resolve this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXXXXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Unfortunately, I had an account with Care Credit that went into default back in 2014 ; due to a financial hardship. Recently, having recovered from the hardship, I went back to Care Credit to try to resolve the debt. They told me that they would NOT accept payment from me to resolve my debt. Even when I indicated to them that I understood that the account had been charged-off, I still wanted to pay it, so the account would report as paid on my credit report. They still refused to accept my payment. It is illegal for his company to refuse to accept my payment, while simultaneously reporting an unpaid debt on my credit file. They are holding my credit report hostage.

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 2019-07-08 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: GA

Complaint narrative:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Innovis
State: GA

Complaint narrative:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I Have Received 13 Emails Since XX/XX/XXXX And As Recently As Yesterday Telling Me That I Can Save .XXXX/Gallon On My Next 5 Purchases when I use the Shell credit card. When I Purchased Gas On XX/XX/XXXX I Didn't Get The XXXX/Gallon Reduced Price And I Tried Two Different Gas Stations. I called the Shell and they blamed citi bank, the credit card company for Shell. Everyone 's blaming someone else but I received these emails from Shell telling me I can get XXXX/gallon off my next 5 gas purchases when I use the Shell credit card. I attached a copy of one of the emails I've been receiving

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