vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a Bankrupcty reporting on my credit report that does not belong to me and the credit bureaus have said it is verified as mine.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I cashed out three crypto currencies that I had on Coinbase. My credit union never received the money. I contacted Coinbase and made three separate tickets. They closed all three tickets within a week and gave me no resolution or explanation! I tried to call, but I can not get an actual person on the phone. The amounts I cashed out are : Link {$34.00} Bitcoin {$110.00} XRP {$28.00} I have the transaction numbers if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: MS

Complaint narrative:
XXXX XXXX account open in my name for XXXX dollars

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 2019-09-25 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: MS

Complaint narrative:
XXXX XXXX account open in my name for XXXX dollars

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I authorized payment for my Chase Account on XX/XX/2019 for my Credit Card that is due on on XX/XX/2019 ( the day my account payment is due ). On XX/XX/2019 Chase Bank ignored the fact I set up a payment and instead autozied credit card payment using the automatic payment I had set up in case I forgot to pay my bill. Then two days later on XX/XX/2019 ( after my credit card statement was due, they authorized the payment I had scheduled on XX/XX/2019 this lead to my account with XXXX XXXX XXXX. 

We went in and got a refund from Chase bank, and XXXX XXXX refunded my overdraft. But I wanted to make someone aware that Chase bank withheld payment that I scheduled for my credit card until after my Due due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently talked to Transunion and told them that I noticed that there were hard inquiries on my report that I did not authorized and no one seem to help. The following hard inquiries that I did not authorize are : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2019-09-25 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: NC

Complaint narrative:
The collection Company XXXX XXXX is reporting to the credit agency that they have an a collection account with me that was opened XX/XX/2018 for {$510.00}. I have personally contacted XXXX XXXX over the phone in order to settle the Debt, the issue is when I give them my information they are telling me that I do not owe them money. And that I have never had an account with them. But my credit report states that they are reporting I do owe them money for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from my credit report.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from my credit report.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to

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 2019-09-25 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: United PanAm Financial Corp.
State: AZ

Complaint narrative:
I took out an auto loan with united auto credit. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the  chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
see documents below thank you for your help

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 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Bluebird American Express refuses to refund my stolen money {$500.00} in unauthorised transactions to XXXX companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, To Whom It May Concern, My credit report indicates a hard inquiry by " XXXX  ''. It is my understanding this is XXXX XXXX  and affilated companies. 

For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my TransUnion credit report.

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 2019-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
To whom it may concern, I purchased my property in XX/XX/XXXX. In XX/XX/XXXX, I reached out to my loan servicing company to have my PMI removed. According to the company, I needed to have one of their approved appraisers go to my home to have it appraised before  the PMI could be removed. 

They stated to me that the cost would be {$580.00} to have one of the approved appraisers come to my home. I paid the {$580.00}, the appraiser came, and my house was appraised appropriately. 

After I received the appraisal, my loan-to-value ( LTV ) was below 80 %. On the company 's website, it claims that my LTV must be 80 % or below to remove the PMI. However, I received letters and have called the company several times and they have stated that my LTV must be 75 % in order for the PMI to be removed. I did not receive any paperwork or any statement at all that stated that my LTV needed to be at 75 % in order to remove the PMI.

I have reached out several times to this company, been on hold for hours, and keep getting transferred, rerouted or told I will " get a call back ''. I have also requested a refund of my {$580.00} appraisal fee. However, I was told that since the appraisal was completed, I can not receive a refund for the cost of the appraisal.

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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need from Wells Fargo a loan history and activity from XXXX to XXXX this includes principal and interest and taxies any every payment made to Wells Fargo.

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 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I owed a medical bill, I went online to Focus Financial Services to make the payment. I got a confirmation number on XX/XX/XXXX stating that I paid in full the debt owed. Then I check my bank account a few days later and I see Focus Financial Services took out another payment in the same amount taken out on XX/XX/XXXX. My wife called and spoke with a representive named XXXX he threatened her about her accounts and said nothing can be done even though she called regarding a payment made on my account. So she told him we will just stop the payments and report them for trying to collect a debt that was already paid for in full. He then told me that his supervisor would get back to me or her but he didn't. She called again and spoke with XXXX, he stated that since its an overpayment their supervisor XXXX XXXX would just have to okay it and the money should be refunded. She thanked him and then I had to call to confirm that they were the ones that made the mistake. I got in touch with the supervisor XXXX XXXX who lied to me and told me that he sees a payment made on XX/XX/XXXX. I proved he lied because our chase bank statement showed they took it out on XX/XX/XXXX. The story they were giving us was not adding up. I called back to get clarification from his statement and he still repeated the same thing and then tried to say that we must have made a payment days later. I told him that we have proof that we confirmed the first payment on XX/XX/XXXX because we have a confirmation number however when I asked about the confirmation number for the " supposed '' second payment he couldn't provide it to me. He said he does not have access to the Online system yet his phone number is listed as the primary number to call if anyone has any problems and concerns. He refused to work with us and threaten us. We called our bank to put a stop payment since he said there is nothing he can do. Worse customer service. The manager XXXX XXXX was not helpful and was completely ignorant on how his own companies Online Services work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to get this account removed from my credit report. I contacted the company 5 times and each time they sent me a letter stating the account was verified and true. This account was not authorized by me and I want it removed. I requested copies of a contract or any documentation with my signature and they can not produce it but will not remove it from my credit report resulting in a poor credit score. The name on the account is not even spelled the way I spell my name but they insist it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I took out an auto loan with XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.

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 2019-09-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).

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 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I borrowed {$500.00} from CashNet USA. I was to have paid {$120.00} to extend the loan. However, I wanted to workout another payment arrangement using XXXX XXXX XXXX. I sent CashNet USA a Letter of Revocation stating that the {$120.00} debit should not be made. CashNet USA acknowledged receiving the letter, but said that they did not abide by the letter because no payment arrangement had been made. On XX/XX/2019, CashNet USA debited {$120.00} from my account which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
Experian will allow me to login and view ALL of my Credit Bureau Report information including all the addresses I've lived /currently living at. 

However it does not let me raise a dispute online siting " Security concerns ''. 

When I raised a dispute over the phone, I wasn't given a dispute number to track the solution.

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 2019-09-25 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: AZ

Complaint narrative:
XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : TRANSUNION, XXXX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
Transunion, XXXX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I applied for a credit card from Bank of America back in XXXX of XX/XX/2019. The card had a promotional rate of 0 % APR for 12 months and a cash bonus of {$150.00} after spending {$1000.00} in the first 3 months. I received my card sometime in XXXX, but they sent me 2 different ones. One ended in XXXX and the second ended in XXXX, I was confused so I called them to confirm which of the two cards had the promotion I applied for. They confirmed it was the one ending in XXXX, so I started using it. It has now been 2 months and I have spent more than the {$1000.00} dollars and have not received the promotional bonus. I called Bank of America and they told that they had advised me to use the wrong card, but can't do anything on their part to correct the issue. I told them that I want them to honor the bonus as well as the 0 % APR, but they said the only thing they can do is the honor bonus but not the promotional APR, even after they reviewed the recorded calls and agreed that their agent made a mistake on the call we had back in 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 2019-09-25 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: NC

Complaint narrative:
I have repeatedly requested that the incorrect information be removed from my credit report. They return letters to me stating the information has been verified but they show me know verification. The items are untrue and need to be removed from my credit report. This is resulting in poor credit and these items are not mine!

Company response to consumer: Closed with explanation