vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.

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 2020-07-07 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-07 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: TN

Complaint narrative:
XXXX is listed on my account as a collection. I have no idea what this account is and need some validation. I have contacted this company several times via mail about this account. This account is incorrect and should not be listed.

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 2020-07-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.

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 2020-07-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
These are not my accounts, and I didn't authorize these companies to pull my credit.

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 2020-07-07 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:
These are not my accounts, and I didn't authorize these companies to pull my credit.

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 2020-07-07 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: TX

Complaint narrative:
These are not my accounts, and I didn't authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to the COVID 19 pandemic I have had to find a new ways to pay workers of my company. I figured Id use the Chase online web portal because I have used it in the past with recipients with success. 

On the date of XX/XX/2020, I tried to make a XXXX payment to an employee via the Chase online website from my Chase business account. The recipient has a chase account as well so the transfer should work just fine I assume. I first sent a payment of {$5.00} to my employee using the employee 's phone number option linked to there XXXX account. It ended up not going threw so I tried using the employees email address to send {$2000.00} and that payment went threw. I assumed that the {$5.00} that did not go threw would have been refunded to my account however it has not been. 

On the date of XX/XX/2020 I tried to send the same receipt of whom I had sent {$2000.00} to previously with success, another {$1000.00} using the same recipient option on the Chase website portal to send the money, but entered there phone number assuming that the number and email and accounts are linked. Which according to the recipient are, and with proof on the recipients screen shots from XXXX they are. But for some reason when the phone number is entered in the Chase/XXXX   portal the payment transfer does not go threw. 

So a couple hours after sending the {$1000.00} on XX/XX/XXXX my employee is telling me they had not received the payment so I contacted the Chase to let them know the payment did not go threw. They did some looking up and I ended up finding out that the {$5.00} payment form XX/XX/XXXX had never been refunded and now the {$1000.00} I sent using the recipients phone number had been sent out but not to my recipient. I had my recipient show me her screen shots of the accounts linked and I have provide that in these documents. We had XXXX check to make sure the phone number is linked to the recipients account and they say it is. We both called Chase together on a shared call to get to the bottom of this to explain how the accounts are linked with the recipients phone number and email on XXXX. After a lot of back and forth explaining to Chase there systems error they finally told us theyd open a claim and I should be refunded within 10 days. 

On XX/XX/2020. I received a letter from the bank telling me that they will not refund my {$5.00} payment or {$1000.00} payment to me. I am writing this letter because Chase or XXXX has stolen or misdirected my payment and neither company will let me know where my payment went, even though I have documented digital proof that the accounts are linked via phone number and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This will be the third time I will have had to have the negative information removed for the same issue, previous equifax dispute XXXX account in question is -XXXX XXXX- on my trade line with equifax. This collection company has re-aged the debt and falsified payment info as well. the original creditor is XXXX XXXX  XXXX XXXX. This trade line from the original creditor was removed twice already from my equifax credit report. This account was was also removed from a previous dispute with the CFPB XXXX. It is back on my equifax credit report. This is not my account. I'm enclosing the original dispute investigation as it shows XXXX XXXX could not verify the debt and it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The company did not deduct the payments from my bank account and then negatively effected my credit.

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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I've have disputed this account with Franklin Collections Services last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see XXXX bought this debt from Franklin Collection Services from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida told me that if any company try to buy that debt and try to collect to let him know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back.

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 2020-07-07 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: 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 AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT 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 2020-07-07 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: TX

Complaint narrative:
There is debt collection reported by XXXX on my Experian credit report that I have disputed because the original hospital XXXX XXXX XXXX has yet to provide me a full itemized bill. I don't care what XXXX certifies or not, because they have refused to validation of the so called debt. During my various requests to XXXX XXXX XXXX for a full itemized bill they changed their payment software so I could no longer access my even if I wanted too. XXXX XXXX XXXX  has violated Federal Law when they continued to refuse to provide me a full detailed copy of charges before this was sent to a zealous collection agency. Now comes Experian who refuses to remove this collection. Now I am not going to be bullied or allow these agencies to continue to break Federal laws. If this is not resolved I seek relief in Federal Court against all three : the hospital, the collection agency and Experian.

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I keep receiving calls when Im at work and they also threaten me to call my employer and to verify I was at work. What kind of business is that? They call me during my work hours and threaten me to sue me, also that they will freeze my bank accounts and collect my wages.

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 2020-07-07 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:
id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 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: 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 AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
This will be the third time I will have had to have the negative information removed for the same issue, previous XXXX dispute XXXX account in question is -Accounts receivable- on my trade line with XXXX. This collection company has re-aged the debt and falsified payment info as well. the original creditor is XXXX XXXX  XXXX XXXX. This trade line from the original creditor was removed twice already from my XXXX  credit report. This account was was also removed from a previous dispute with the CFPB XXXX. It is back on my XXXX credit report. This is not my account. I'm enclosing the original dispute investigation as it shows XXXX XXXX could not verify the debt and it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Inquired with Wells Fargo about possible deferment during COVID because of hours reduction. They went ahead and processed our question as a request and we could not make payments. I attempted to contact them about not being allowed to make payments, without appropriate replies. I finally just made 3 back to back payments to play catch up on our mortgage. I would like to refi shortly and this is a roadblock.

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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC has made some sort of change and now i am not able to link any of my accounts to my pnc account. when using XXXX  or other services it wont let you connect your pnc account anymore and it is EXTREMELY inconvenient. Please do something to fix this issue as i know thousands of people are having the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 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: KS

Complaint narrative:
To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.

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 2020-07-07 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: TN

Complaint narrative:
XXXX is listed on my account as a collection. I have no idea what this account is and need some validation. I have contacted this company several times via mail about this account. This account is incorrect and should not be listed.

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