vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Equifax is in violation of 15 USC 1681a ( o ) ( 5 ) ( A ) ( i ) which states that with respect to which the consumer who is the subject of the communication consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; Equifax never received consent from me, the consumer.

Equifax is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Equifax NEVER did such interviews with any neighbors, friends, etc.

Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Equifax has never received written instruction from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I applied for a payday loan of {$500.00}. It was given to me. Pandemic hit which hurt the entire world. Wasn't able to pay it back. Now I have a lady named XXXX XXXX calling me and my family members every day saying that there is a case being filed against me. I called the number she gave me back. Asked for XXXX XXXX, they replied there is not a XXXX XXXX that works here. Then presented to ask me for my personal information, as well as my debit information to pay an amount of court costs, fines and restitution of {$2900.00}. I of course didn't have the full amount and I wont. I now have gotten a call from my ex which is the mother of my first child, she tells me a constable and an officer are looking for me for warrants in XXXX county, which i have none, I checked. They now have been at her house two days in a row. I know this cant be legal. This is not how the law works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from EOS CCA stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately XXXX XXXX.Association of XXXX in collection by XXXX {$100.00} has not responded. XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
we paid off the account in full and they didn't close it. we were never notified it was still open and after just now checking the account they have an invalid address so we were never told it was open with a opened balance. we have zero issues in paying what is owed, however its not ok to backdoor a customer who thought they paid off and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 canceled my American Express card in XX/XX/2020 with a {$0.00} balance. However due to covid a previous flight that I purchased on my card was canceled and refunded to my AMEX account. 

AMEX attempted to transfer these funds ( {$2100.00} XXXX back to my external linked bank account but I had actually closed this joint XXXX XXXX account previously so the transfer did not go through. I then called and they transferred the {$2100.00} to another external account. 

But for some reason they are saying I owe them for the first {$2100.00} transfer that I did not receive. I have tried calling 4 times and they keep saying it will be resolved but then subsequently keep contacting me and tell me I have a big outstanding balance ( including late fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received dental treatment and was promoted XXXX XXXX credit card at the dentist. So I signed up for the card at the dentist. Later, I learned that CFBP ordered in 2013 that for any transactions over {$1000.00} they can not sign up unless I call, but that wasn't the case. I put the payments in my bank 's autopay to have a peace of mind, and neither received my statements via email nor any physical mail. 

I recently wanted to look to see if it was fully paid off, and realized I was charged over {$2200.00} of interest by them. I contacted about the reason, and wasn't helped. I consider this as a scam, and I will seek legal counseling to sue if I can not resolve via this channel. They breached 2013 CFBP rule as well as never sent me my statements.

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 monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was in XXXX, CA taking my father to a dental appointment when I bought a burrito from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ca ) using my debit card. As soon as I received the food and got back in my car, I was notified by my bank ( Chase bank ) that my account balance was below a minimum I had set for notifications. Knowing this did not make sense, I checked my transaction history online and saw that there were two fraudulent charges being attempted on my account. I immediately contacted Chase and disputed the pending charges. They refunded me the money and commenced their investigation. 

On XX/XX/XXXX, Chase Bank notified me that their fraud " specialists '' had finished their investigation and found that the charge was authorized correctly. I immediately called to dispute their findings, as I have maintained, I did not buy anything from XXXX. The rep I talked to from Chase said she would re-open the claim and see what notes they had put in explaining their decision. As it turned out, there were zero notes in the file. She escalated the claim for me. 

On XX/XX/XXXX, I received the final notice that my claim was denied and that the case was permanently closed. I called Chase and spoke to an account supervisor by the name of XXXX. I explained to him that XXXX does not do business the in USA and that this situation did not make sense. XXXX agreed with me, but told me that because it was a chip card, that Chase saw it as a verified transaction, regardless of the circumstance. I asked XXXX to explain to me how I could have used my chipped card in XXXX, CA on XX/XX/XXXX, and then also used my chipped card, 5 minutes later, from somewhere overseas. XXXX agreed this was peculiar, but told me I would have to contact XXXX for answers. 

I contacted XXXX and they told me they do no not do business with the United States of America. I told him I had a transaction number from my statement and to please verify what goods were purchased using my card and to whom they were sent to. I have not received reply from XXXX yet. 

During this unprecedented pandemic, funds are short for me. I find it abhorrent that Chase would just right me off, a very loyal customer for over 15 years because they have unwavering trust in their " chipped cards '' - It is now very apparent that chipped cards can be hacked. Any notion that chipped cards are ultimately secure is obviously nonsense. Either that, or I gained super powers and can fly like XXXX from CA to XXXX in under 3 minutes to then use my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 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: Sentry Credit, Inc.
State: LA

Complaint narrative:
Ive contacted them about this issue before. I got no response. this is harming me from getting a apartment. I asked from any documents besides a Id and to see my signature or anything that supports this being on my report no response.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i sent transunion a dispute about a inaccurate item that that are reporting on my credit report on XX/XX/2020 and i haven't receive anything or has the inaccurate item been remove from my credit.it has been over 30 days allowed by the FDCPA to respond, which is a violation and 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
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-15 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-15 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: U.S. BANCORP
State: TX

Complaint narrative:
Late payments XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX Late payment XX/XX/2020 US Bank These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for XXXX months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help 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 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
on XX/XX/2021, I sent letters to XXXX XXXX COLLECTION ON BOTH ADDRESSES ( MAIN AND CORPORATE ) .and i haven't heard anything from them regarding this inaccurate item.i also attached copies below of the letters that i sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: WA

Complaint narrative:
As I have mentioned repeatedly to US Bank concerning this credit card that the balance and monthly payments were outrageous and the transactions leading to large balances and monthly payments were not mine. As to remain in good standing with US Bank I explained my financial hardships on numerous occasions voicing the minimum payment was near impossible to pay even though I had no memory of these transactions or how the balance could possibly be that high. I negotiated with US Bank to place me into a hardship payment program but the monthly payment never reflected the payment that was agreed upon. Each month I received a notice for a payment far higher than the financial hardship payment and ever month the payment would skyrocket to 2-3 hundred extra dollars a month and they had the nerve to think I could possibly afford it even though I claimed I didn't contribute to the high balance. 

US Bank tried to completely take advantage me and my financial situation it was nothing short of being abusive. After having enough of the abuse I explained I was no longer paying towards a balance I felt wasn't mine. 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. Dependent upon the response, I will detail any potential issues via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : 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 2021-01-15 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: FL

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
I told them that I don't have the money right now. I would be able to pay on this bill next month. They said NO, and that I needed to make a payment now. I owed some where around XXXX. My payments are XXXX monthly. They call 5 days a week sometimes I answer and tell them the same thing over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried open account with this unprofessional bank. They close it with no response or reasonable explanation. They took from me over XXXX & and holding it You need to force them to open account as they dont have the write to discriminate me!

Company response to consumer: Closed with explanation