vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I charged on XX/XX/XXXX an online purchase of two bicycles for {$100.00} each. The charge was made to my American Express card but appears on their statement as a XXXX charge. After not receiving the bicycles I reached out to XXXX but received no answer. The company selling the bikes likewise did not answer. I researched the company and found out they are a fake company run by some guy out of his house in Arizona. An entire XXXX video describes this fake company. 
On XX/XX/XXXX I filed a dispute with AmEx. After some 7 weeks I received notice date XX/XX/XXXX that " the merchant '' had responded and the charges are legitimate. [ A copy of the 2-page notice is attached. ] The notice states that the documentation provided by the merchant details the merchant 's explanation. As can be seen, the notice has no such documentation. 
AmEx has done an extremely poor job here. Virtually incomprehensible in my experience with other credit card companies. A brief researching of the merchant would suffice to show their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 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: CT

Complaint narrative:
my information was stolen and use to open XXXX XXXXXXXX auto FN account. i contact the credit company and XXXX XXXX and let each know but the account is still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
After an automobile accident that after court deemed other individual at fault for the accident, one medical bill was added to my credit report as a collection ( Hospital bill ). It is still in my collection report even though this accident happened a few years back and it was settled. I still have the collection on my report affecting me even though the other individual was responsible to pay the 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 explanation
Consumer complaint received 2020-08-26 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: TX

Complaint narrative:
I sent certified mail to Equifax that was signed for. In that letter I sent I requested for them to send me verification of bankruptcy. They then emailed me my results ( see attachment ) and notified me that XXXX XXXX was their source of information and verified that information was accurate. This couldn't be possible due to the freeze on my XXXX XXXX ( see attachment ). Equifax stated that the date verified was XX/XX/2020. I received a letter from XXXX XXXX on XX/XX/2020 stating that my account was already frozen, ( see  attachment ). So unless XXXX XXXX unlawfully has given out information or inaccurate information against my freeze, this information of verification through Equifax is not accurate. Also I have information given to me from the Bankruptcy court ( see attachment ) proving as well, that they do not release information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a victim of identity theft and American Express is fraudulently reporting an account on my credit file that I never opened. I am not responsible to pay for any debt that is not mine. I have also reported American Express to the federal government ( FTC ) which I will attach to this complaint. American Express is holding me liable for an account that I never opened or allowed any one on my behalf to open. This is causing a lot of stress on me! Not only is the pandemic causing a lot of stress but also this fraud account is causing more stress because I never opened this account. Pursuant to the FCRA 605B this account must be removed because once again I never opened this fraud account and I have been a victim of identity theft! I need this resolved and removed from my credit file. I am not responsible to pay for any debt that is not mine and American Express is ruining my credit by fraudulently reporting this fraud account that I never opened or allowed anyone to do so on my behalf. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
XXXX XXXX  XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX  XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020 I contacted Bank of America which holds my Mortgage to find out how much is my Escrow Account is in the negative so I can bring it currently for my mortgage to be lower. After being on hold for over 5 hours and giving up, no one ever came to the phone and I hung up. After calling on numerous occasions, no one had information, and when a Representative DID come on the phone he tried to get me to refinance my Mortgage, which I already have a locked-in rate and told me the only way to " fix '' the problem with my Escrow account was to refinance with them. This is untrue. I only needed to know how much was my account in the negative, so my payment could be lowered, which I was told by a loan officer could be done. this Representative whom I was transferred to was from the refinance department, to no surprise, told me something different. 
If these sharks are going to continuously deal scrupulously with customers, there needs to be an investigation into these deceitful practices. Upon telling him, I was complaining, he then had the correct information for ma and prceeded to tell me, he mispoke.

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 2020-08-26 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: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a payment on my account on XX/XX/2020 and my last payment XX/XX/2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX  | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above

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 2020-08-26 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:
XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute.

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to XXXX as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above

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 2020-08-26 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: CT

Complaint narrative:
my information was stolen and use to open XXXX  XXXXXXXX XXXX XXXX account. i contact the credit company and XXXX XXXXXXXX and let each know but the account is still on 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 2020-08-26 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: CT

Complaint narrative:
my information was stolen and use to open XXXX  XXXX auto FN account. i contact the credit company and XXXX  XXXX and let each know but the account is still on 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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OK

Complaint narrative:
Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from Sagestream , LLC, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears XXXX XXXX and Sagestream are possibly colluding to modify loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I made a payment on my account on XX/XX/2020 and my last payment XXXX, XXXX 2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.

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 2020-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from CapitalOne credit card QuickSilver that my credit limit has been decreased from XXXX to XXXX. I had this card since XXXX, and I NEVER paid late, always on time, never went over the limit, I could say I am a perfect card holder. I called the customer service for CapitalOne on XX/XX/XXXX and spoke with XXXX which was no help. He was saying that he can't do anything and the reason for the credit limit decrease was due because I was not using as much. In one point my balance was over 5K and it took several months and finally I was able to pay it off all my balances. I'm still keep using the card every month and paying the balance in full, just on XXXX my balance was about 400 and paid full. I spend in average 200 or more every month and try to pay in full when it's due. 
So XXXX transferred to his supervisor XXXX, and same thing she was not willing to help at all, and keep saying because I was not using my credit card a lot and because of that my credit limit got reduced. So for me being a good customer, they are punishing me decreasing my credit limit which will cause my credit score to go down, because my revolving credit usage will go up in % and my total credit available will go down. 
Please help me with this, I was saving the card available balance for future rainy days and my kid which is in XXXX grade will soon go to XXXX and I will need all the available balance for tuition, housing, and all the expenses that comes when sending your kid to XXXX. This is very unfair situation, I know about the pandemic causing a lot of job losses, but I still have my job and following all the rules to be a good card holder, but CapitalOne is decreasing my limits because I don't generate a lot of profit for them? That's not acceptable that this giant corporation keep bullying innocent and week people like me. PLEASE HELP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THERE IS A LATE PAYMENT OF 30 DAYS REPORTING ON MY ACCOUNT ON XXXX OF 2017. I WAS NEVER LATE FOR THIS ACCOUNT AND WOULD LIKE THE STATUS UPDATED.

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 2020-08-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have asked for validation to 2 collections on my credit report which is XXXX  and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX XXXX is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.

Company response to consumer: Closed with explanation