vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I received documents yesterday in the mail, after having been contacted by phone earlier in the week by XXXX. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
My complaint is about XXXX  US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. 

Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment {$28.00} Late payments -

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 2020-03-09 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:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}

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 2020-03-09 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:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}

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 2020-03-09 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
this information does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: IL

Complaint narrative:
The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and XXXX  to cease this reporting and they continue to simply send me to the other entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: IL

Complaint narrative:
The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and XXXX to cease this reporting and they continue to simply send me to the other entity.

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 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I took a loan from speedy cash/repid cash in XX/XX/XXXX and they just cashed a check for the payoff amount on XX/XX/XXXX. The collection agency that this was reported to made no attempt to contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I had some issues with my car and had to put {$2000.00} down on a new one. Causing me to be behind on Bill 's. I contacted World finance and said I would make the payment as soon as I could. They continue to call everyday to my references and work place and even told my references that I was behind on my payments. They violated my privacy and have caused issues at my work. XXXX at world finance in XXXX texas has been out of hand. And i refuse to contact them because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed 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 2020-03-09 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
Transunion is reporting incorrectly a past due amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid-in-full and needs to report a {$0.00} balance. Attached are the Order of Dismissal and Settlement documents proving this account has been paid-in-full. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-09 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: IL

Complaint narrative:
I reported a dispute to Equifax regarding XXXX XXXX. I called XXXX XXXX first to work out reporting. They state my account has been closed since XX/XX/XXXX. ( verified verbally as well as the XXXX  tracking on the check sent to them ) Yet, they reported to all bureaus that it was open. They received a check for {$22000.00} which is in excess of the XXXX payoff amount due. Proof attached, verbally stated it is good through XX/XX/XXXX the date the check was received.Then they stated to all bureaus that my debt amount owed to them was XXXX ( the amount of the check ) which caused a 34 pt. decrease in my credit score. Proof attached. 

This is troublesome for several reasons - unfair, incorrect reporting. Credit damage. Reporting an account as NOT closed yet agreeing over the phone it is. Appearing to intend to keep the refund owed due to cancellation of the warranty. Contract states it is owed to me ( Illinois provision ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
Reporting Forgery/Counterfeiting Here is the information requested from Telechex approximately 12 days after me filing a report of unauthorized funds being debited from my account. Here is a quick background. I found unauthorized debits coming from an XXXX account linked to XXXX XXXX directly withdrawing unauthorized money from my personal checking account. Upon noticing this, I immediately called my bank, XXXX, who referred me to Telechex. I went to the Telechex website and tried to find a phone number to call. After much searching, I found a phone number where I waited more  than 35 minutes only to be referred to another area on the website that specializes in fraud.

I filled in the relevant forms on the website which said that it could take up to 30 days for Telechex to respond. I called my bank again and they said that they couldnt stop charges from debiting accounts linked to XXXX because there are too many company ID numbers associated with XXXX to block all of them. They again asked me to get in touch with Telechex.

10 days later a letter arrives in the mail and asks me again to fill in the exact same forms that I already filled in on the website. In the meantime, more money was debited from my checking account while Telechex decided to use the postal service for communication instead of a phone or email. 
I am sending a copy of this letter to Consumer Financial Protections Bureau along with my response directly to your fraud department. The fact that Telechex doesnt have a fraud number to cease nefarious activities and that it could take up to 30 days for a response are completely unacceptable responses when a fraud is ongoing. It is fairly obvious that Telechex has outgrown its perceived responsibilities to its customers when all my complaints yield is a perfunctory letter delivered by the mailman. It is a further disgrace that the only action I have been able to take has come from assistance in the XXXX call center of Telechex from someone who helped despite this not being their job.

I respectfully request a phone call from a domestic manager at Telechex to explain why their customer service experience and fraud mitigation services are so understaffed that they cant respond immediately in cases of fraud. Furthermore, it would be nice to also know why the rest of the world has embraced email and phone calls as acceptable and immediate forms of communication yet Telechex still uses the USPS to act on items that require immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
On XX/XX/XXXX a property was mortgaged by borrower and co-borrower for {$40000.00} to lender ( Midfirst Bank ). The last scheduled payment to lender is XX/XX/XXXX. However, the final payment on the mortgage was XX/XX/XXXX ( see receipt ). As of XX/XX/XXXX Midfirst Bank has fail to provide a mortgage lien release and satisfactory of mortgage in a timely manner.

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 2020-03-09 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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$310.00}

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 2020-03-09 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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$310.00}

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 2020-03-09 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Hello, thank you for your assistance. 

Issue : I didn't receive advertised or promotional terms on AMEX Blue Cash Preferred card. Also, reporting that the offer was misleading advertising about the credit card ( terms weren't clear, couldn't find important information on the online approval process ) ( 1 ) I applied online at XXXX for AMEX Blue Cash Preferred : 0 % for 12 months, {$250.00} Bonus after {$1000.00} spent in 3mos time. AMEX card approved me online immediately on XX/XX/XXXX. ( 2 ) I called a representative around XX/XX/XXXX to inquire about the {$95.00} membership fee charged. We talked about the card 's fee ; We talked about the 0 % for 12 months, {$250.00} Bonus during that conversation. I decided to keep the card and not reapply for the Blue cash card that offered a {$150.00} bonus, 0 % for 12 months with no membership fee of {$95.00} : the monies earned would work out to nearly the same amount taking into consideration the bonus amounts and the membership fee. ( 3 ) I put the card on autopay and waited for the usual time for the bonus to record. ( 4 ) To my chagrin, I saw interest charged and have been trying to resolve with AMEX repeatedly with no resolution. ( 5 ) The representatives said there was a pop up online stating I wouldn't get the promo offer. I saw, APPROVAL, I didn't see anything saying not approved for promotion. I'm very savvy using promotional offers and I've never had this happen : BAIT and SWITCH. In addition, AMEX did not send a letter notifying me I wasn't approved for the promotion. ( 6 ) The interest rate AMEX is charging me is a whopping 25.74 %!!!! I would never knowingly agree to that interest rate. ( 7 ) After the original call, I've spoken to a total of 5 representatives including managers. Each time escalated. No resolution. Lastly on XX/XX/XXXX, I was promised a call back from an authority that could assist. No call back. 

Here 's a list of attempts to resolve issue : 1. Approx XX/XX/XXXX - inquired about card details. 
2. XX/XX/XXXX - Inquired about my promotion and reported interest charged instead of 0 %. Rep said to call back to follow up. 
3. XX/XX/XXXX - Followed up and spoke to XXXX, XXXX and, manager, XXXX who forwarded my issue to a resolution department. Mentioned at least a 2 week process at minimum up to 90 days. 
4. XX/XX/XXXX - Followed up again and spoke to XXXX and then escalated to, supervisor, XXXX. At that point, I was to be given to a higher authority to call me within 48hrs. No attempt was made. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX I received a ltr of denial for a credit limit increase on a Synchrony pay pal acct that I knew nothing about. That acct was opened in XX/XX/XXXX and I never got any info on it. Who ever opened acct was making payments on it that whole year. Now Synchrony Bank/paypal trying to stick me with the bill # XXXX with balance now of {$4400.00}. When I contact Bk -XXXX  XXXX-they said they would do fraud investigation. I have put fraud alerts on all 3 Credit bureau 's and filed report with FTC. They have done 3 Fraud investigations but still saying it's mine. File police report XX/XX/XXXX with XXXX Co. Sheriff 's dept. Det, XXXX XXXX case # XXXX. He feels they have mixed my acct with another XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX. He was to call them. Hadn't heard anything else until today I got another monthly billing statement..

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 2020-03-09 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed 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