vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I pulled my credit report and it showed an Amex business account with an outstanding balance. I contacted them and found out that this outstanding balance was created by a charge made that I did not authorize or make. 

Charge : XXXX XXXX XXXXXXXX - {$1800.00} Date XX/XX/XXXX Case ID # XXXX - Card Type : XXXX XXXX XXXX Preferred Guest I spoke with the disputes department who advised me to file a police report for the fraud and send them a letter to dispute the charge with a copy of the police report. I did so on XX/XX/XXXX. I called in last week to check on the status and was told that the case was closed and that they " Validated '' the charge and thus I was responsible for the amount. I asked how they verified the charge and if they had any information I could forward to the police investigator. They would not answer my questions about how they verified the charge only that they did. 

I am seeking help with resolving this matter as I do not agree that I should be responsible to pay for a charge I did not make. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Back in XXXX of XXXX, I was contacted by another collection agency, who stated to me that a debt was placed with them by a company called XXXX XXXX. After working with them to gather information it was discovered that the account was placed with them in error and that they had the wrong individual. Upon further investigation, I was told that XXXX XXXX had placed another account with them and also placed an account with a company called " contract callers '' I contacted this company, and I advised them prior to them reporting to the credit bureaus, THIS IS NOT MY ACCOUNT, they reported the account anyway as an open account on my credit report. I was NEVER contacted by this company and given the opportunity to dispute prior to their reporting. Since contacting them, they still have not provided me with documentation validating this debt. According to this XXXX XXXX XXXX, they require a valid state-issued ID and a copy of a lease to establish service, I have requested this so that I may continue my own investigation of the account. Contract Callers should NOT report this under my credit report without validating this debt. I will not give them any additional time to validate this debt, other than what the law allows. And I will only communicate by email or written letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: HW Holding, Inc
State: NY

Complaint narrative:
As of XX/XX/2021, I noticed a collections account pop up on my credit report that I am not aware of. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a credit card with capitalone at https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ SavorOne Rewards from Capital One Unlimited Rewards Earn unlimited 3 % cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1 % on all other purchases. 

New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$1000.00} on purchases within the first 3 months from account opening Low Intro APR 0 % intro APR for 15 months on purchases and balance transfers ; 19.74 % - 29.74 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months Annual Fee {$0.00} i was approved. 

I received an email with general apprval information and link to create an online account. Upon downloading paperwork i noticed that i was receiving A DIFFERENT CARD- the savor ( not savorone ) with a XXXX dollar annual fee i called the number on the website linked XXXX. They said there is nothing they can do. They told me to call new accounts at XXXX same response and different number provided to try for the applications department - XXXX i was told that if i wanted to get the card that i applied for, i would have to close the account i was approved for and re-apply but probably wouldn't get approved since it was so close in time to the prior approval. They told me that i would be getting a XXXX dollar charge as soon as i activated the card. 

so, my credit score was hit bc i chose to apply for a specific card. They approved me for " a better '' card because my credit score qualified me for the best in the savor line. This was automatic, they said. I applied for a no annual fee card, they signed me up on an XXXX dollar annual fee card. 

i have a screenshot, in case they change the landing page at the website address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Below, you will find Transunion is in violation of my rights as along with the FCRA. Transunion has failed to show proof or validation that they used to confirm that said account belongs to me as I have no knowledge of the account. Under 15 US Code 1681d ; Disclosure of investigative consumer reports States that the consumer reporting agency must provide me with information was used to verify said account. This is a clear violation under the FCRA. 
I do not recognize an open date, original amount, a charged off account, credit limit or a past due limit. 

Per the FCRA, this account is providing inaccurate information on my consumer report. Per the FCRA, I XXXX recall opening this account and it is in violation showing a past due amount, This is clearly a violation of the FCRA. 

Account Details Account Details Payment Status Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/2021 Oportun ( Lender XXXX ) opened a credit card in my name without my permission. I have extended fraud alerts on my credit files, with all credit bureaus which specifically state that all information before an application is approved, must be verified by ME first before approving the application. This a fraud victim statement and my phone number is listed on the statement. Oportun chose to ignore that and instead went ahead and opened the account. I never signed any documents and I did not receive any credit cards. Nor did I ever make any purchases on this account because again I never received any cards. I tried to retrieve the login information based on what Oportun gave me, and I can not login. Nor can I retrieve the credentials because it is tied for a fraudulent email address ( XXXX ) and a Fraudulent phone number that ends in XXXX. Which again, Oportun stated they verified, and that phone number is not my phone number, nor is that what is listed on my credit files either. Oportun allowed payments to this account from a bank account that has been closed due to identity fraud, I never owned that bank account either and it was closed immediately. I am a victim of identity theft, and Oportun believes it's in their best interest to charge me for something I did not authorize. Nor did I approve said account, or any charges for that matter. Oportun shows a balance of {$730.00} and a limit of {$450.00} as charged off. This is false because again, I never applied for this account nor did I make any transactions on this account, and Oportun DID NOT verify my information clearly since I can not retrieve the credentials, and It's tied to information that doesn't match mine. Oportun was sent a FTC Report which is a valid LAW ENFORCEMENT IDENTITY THEFT AFFIDAVIT, but again Oportun refuses to assist because I did not complete their own Identity Theft Affidavit Allegedly. Again, I have a ID Theft Affidavit already and I attached it to this complaint. I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: AL

Complaint narrative:
XXXX, 2023 XXXX 
After Insurance paid, the remaining balance was {$90.00}. On XX/XX/XXXX, I paid in full through the patient portal. The payment was not posted and I was told they could not see the payment. 

I asked my bank to reverse the charge since XXXX XXXX had some technical issues. They denied my request because I had a relationship with the merchant and I had actually used my debit card to pay them. They were willing to assist XXXX in order to resolve the issue. 

I have had numerous phone calls regarding this issues. Made two trips to XXXX in an effort to resolve the issue with an Administrator and they were not available. I have left several messages on the Administrator 's voice mail and have not been given a call back to schedule a date and time to meet with them. 

Since XXXX, I have repeatedly tried to resolve this issue. I have faxed my bank statement, a letter from my bank, and now it has been sent to a different collection agency. However, Revco Solutions can see all phone log communication, confirmation proof of payment was provided, but they say I still owe the bill. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: NY

Complaint narrative:
A debt collection company by the name of XXXX XXXX XXXX has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my XXXX and experian report but not on my XXXX. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, XXXX and experian when requested.

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 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
Iq data international says I owe for XXXXXXXX XXXX apartments, I have never leased from XXXXXXXX XXXX apartments and told them that, the company I leased from no longer is in business and they would not remove snakes from property and my wife was terrified and caused her issues and we had to move, they refused to help in anyway and were responsible for pest removal. We moved and my rent was paid to date when we did. They broke contract by not removing snakes from my front door, the only way out and my wife suffered from this. This was on my report for seven years and I never contacted them but they changed amounts on my report to make it look like I was doing something, now they have put this back on my credit report and I have never spoke with them in over 7 years. They are falsifying information to try and get me to pay something I'm not going to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is an incorrect address on my credit report. Please delete this address from my credit report and any account attached to this address, and send me an email once it is 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 2023-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I have completed the dispute process multiple time, I spoke with a representative on XX/XX/23 and was advised that the account would be removed. It has not and now I am no longer able to complete a dispute.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to lodge a complaint against Wells Fargo Bank for their unprofessional, unreasonable, and deliberately troublesome approach towards customers, resulting in wasted time and a lack of resolution in handling disputes. 

I recently encountered a dispute with XXXX regarding an order. I have already returned the merchandise, but the XXXX system has not been updated. Despite my numerous attempts to contact them and reach out to USPS to locate the package, which has already been picked up, I have been unsuccessful. 

Therefore, I had no choice but to initiate a dispute through my bank. However, Wells Fargo has been the least competent among the banks I have dealt with when it comes to handling disputes. They lack the necessary expertise and only waste customers time. After waiting for 15 minutes, they transferred my call to the dispute department, where I had to explain everything all over again. This is a deliberate attempt to inconvenience customers and waste their time, ultimately leading them to give up. 

In comparison to the services provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my experience with Wells Fargo has been extremely disappointing. This bank should seriously consider shutting down and declaring bankruptcy. 

I sincerely hope that the authorities will oversee this matter. 

Sincerely, 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 2023-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Newrez/Shellpoint has reported my mortgage delinquent to all three credit bureau agencies . This reporting is inaccurate I called the mortgage company to Inquire what they had and they insisted that my payments are up to date and on their end they have not reported my mortgage account as delinquent yet this does not align with my credit report. They are refusing to do anything about this and I pay my mortgage every month. I am highly upset this is a e ethical and fraudulent. I am requesting that they remove these incorrect delinquent reports from my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-06-23 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: DC

Complaint narrative:
On XXXX and on XXXX I ask that Equifax to removed all hard and soft inquires from my credit report. These hard and soft inquires don't have an account associated with them. Under 15 U.S. Code 1679c Disclosures- the law states :. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is an incorrect address on my credit report. Please delete this address from my credit report and any account attached to this address, and send me an email once it is 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 non-monetary relief
Consumer complaint received 2023-06-23 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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