vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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: UT

Complaint narrative:
My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: MO

Complaint narrative:
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, 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 2020-01-22 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: MO

Complaint narrative:
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT.

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: KY

Complaint narrative:
I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With TransUnion there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXXXXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.

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 2020-01-22 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: NE

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: CA

Complaint narrative:
I was given a Netspend Debit VISA as a gift. On the card it says to activate call or go online so I went online instead. Filled out the form then its asking for my SSN. I stopped then I received an email stating that they put a hold on the fund unless I email them a photo copy of my SSN, DL and a current utility bill. I sent an email that I do not want to open an account and simply just want to use the gift card. Their respond was to call their XXXX number. When I called, its asking for the last 4 of the SSN. I dont have any so Im hoping if I waited I would be transfer to live customer service, instead it hanged up the call. I sent an email again and they keep referring me to call the number when I specifically mentioned that I did and I cant get no one to speak with.

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018 and XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-01-22 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: NY

Complaint narrative:
The American Express Platinum card offers an annual credit of {$200.00} towards XXXX rides. This is broken up into monthly amounts that expire if not used. The Amex Terms and Conditions state if a ride is more than what is available than you will, credit card customer, will be charged for the difference. For the last year, month over month, I used XXXX and my rides were over the monthly {$15.00} allocation. I reached out to XXXX and they have informed me in customer service emails ( 4x ) that they do not do partial credits. When I reached out to Amex and provided them the information received from XXXX, they said they would investigate, but promised no response back to me and only a credit for {$50.00}. 
They told me they can not assist for the other credits that have since expired with XXXX. I believe this is Unfair and Deceptive marketing practices by American Express and XXXX. The benefit is offered through American Express and charged using my American Express card. They should 1 ) fix the issue with XXXX for myself and any other customers ; 2 ) credit me for the remaining {$150.00}. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ) on XX/XX/XXXX and received a call from XXXX XXXX with AMEX 's office of the president on XX/XX/XXXX. I was informed that AMEX provided the monthly credit to an XXXX wallet and partial credits should be withdrawn monthly as part of the ride. This did not take place. AMEX advised that after the amount is received within my XXXX wallet that the benefit has been provided, and there is nothing further they could or would do. They advised me further that an old Amex card # is linked to my XXXX profile that may have caused the credit not be to applied, but I should have received a partial credit. Through research online I was able to determine that XXXX changed their wallets and how partial credits maybe applied depending on how a User has established their profile, which largely impacts Amex benefits. 

I have since deleted my profile within the XXXX App and created a new profile, and in XX/XX/XXXX received the partial credit for the first time. 

This seems to be a known issue of AMEX benefits based on internet research, which through their partnership with XXXX should be rectified. This benefit was offered and then operationally changed in XX/XX/XXXX without customer awareness ultimately allowing the two companies to benefit from customers unknowingly not receiving the benefit ; thus, decreasing the cost to offer the benefit and increasing fee income by AMEX through increased credit card spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Midland Funding Llc Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NE

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off of {$13000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items 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 2020-01-22 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: NE

Complaint narrative:
XXXX XXXX Experian and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items 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 2020-01-22 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: NE

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX owner Of XXXX XXXX XXXX purchased a motor from XXXX XXXX XXXX XXXX XXXX New Jersey for a job on a XX/XX/XXXXXXXX XXXX XXXX. When the motor arrived it was broken, when he contacted Seller from XXXX they stated they would send out a different motor and pick up the broken one, which they did. When new motor came it was the wrong one and could not be used for the job. XXXX again contacted XXXX and informed them that due to a broken motor and now the wrong motor being sent that he could no longer wait and would like them to pick up the wrong motor and void sales. Motor was returned to XXXX. However there was still a charge of {$1300.00} that had been charged to the Businesses Chase Ink card. XXXX then opened a dispute claim informing Chase that he did not have any of XXXX XXXX product and canceled the sales due to them not being able to provide the right motor for the job. This dispute has been open since XX/XX/XXXX with them " resolving '' the dispute with XXXX XXXX XXXX still owing CHASE for the payment! XXXX has provided all information CHASE had asked for and informed them NO product was kept and yet they still want XXXX to pay them for the Charge of {$1300.00}. WHY ARE WE BEING BILLED FOR NO PURCHASE? WE HAVE NO PRODUCT SO THERE SHOULD BE NO CHARGE AS SALE WAS VOIDED!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
- My credit report was falsely accessed and without legal authorization twice with inquires placed on my file thus lowering my credit score and hindering my families way of life from XXXX XXXX XXXX XXXX   Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2020-01-22 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
In regards to Complaint ID, XXXX. 
Ally Financial provided false information to the CFPB. They have refused to fix the error made by their company, and to add insult to injury, they are providing invalid information to a government agency created to protect consumers. I have been dealing with this issue for four months, and the emotional impact to my family is rising. 
In response to your final response Ally sent to me on XX/XX/XXXX. 
First, I made multiple calls to Ally in XX/XX/XXXX. This is in regards to the call made XX/XX/XXXX, at around XXXX ET.You all know this is the case, because I have requested this call be pulled multiple times. I also attached a copy of my cell phone record to this complaint validating my claim. Also, I asked for my payment options, and was offered a skipped payment by an Ally representative. She offered that to me, and you all need to own up to your mistakes and complete lack of staff training. The lady offered me a skipped payment for XXXX, as long as a {$130.00} payment was made to the account. I specifically asked about the impact on my credit report, and she reassured me multiple times that everything will be fine. I mentioned this at least three times on the call, and she assured me that my next payment will be due in XXXX. She made an offer to me and I accepted. That offer was a skipped payment with no negative credit impact. 
I have spoken to a total of four supervisors, and they have all admitted fault and validated my concerns. Are you calling your supervisors liars? 
Ally I am fulfilling my contract, and you guys are in breach of yours. You have lied to me multiple times and falsified findings to benefit the company. This is unacceptable and I hope there will be Justice. The company needs to be held liable for the amount of stress, pain, and distress they have inflicted on my family. 
I also attached an audio recording from a conversation with a supervisor validating my story and admitting agents fault. The call has been pulled by multiple supervisors and you all insist on making invalid claims and refuse to be accountable for your errors. CFPB please help me and I hope justice is served. XXXX XXXX is a veteran, and I am a working class mother of XXXX. We are doing our best to recover from hard times, and with one error, Ally took us back to square one. We refuse to accept their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NV

Complaint narrative:
Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be 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