vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a purchase online XX/XX/XXXX using my XXXX and Banks credit card. Amount of that transaction was {$63.00}. The order was shipped in multiple packages. I received a tank that cost {$8.00} ( incl. tax ). Per tracking details, the other part of the order was damaged when it arrived in Ohio. Package was returned to the warehouse. I was still charged {$63.00} on my credit card bill. I called customer service on XX/XX/XXXX and XXXX. I opened a dispute. A supervisor called me back on XXXX and credited the {$63.00} from my bill and told me that if I still wanted the items in my order that I would have to re-order them. I have the email stating the refund to my credit card. I did not re-order. I received a letter from Comenity dated XXXX stating that the claim was being investigated. I received a credit bill ( statement closing date XX/XX/XXXX ) with the charges {$63.00} for XX/XX/XXXX provisional credit reversal. Bill is due XX/XX/XXXX. I only owe the company {$8.00} for the 1 tank that I received. If I am to pay the full amount, Comenity or  XXXX and Banks need to issue me a gift card in the amount of {$55.00} being I have Not received most of my order. Is this theft? Is this fraud? I want this resolved now. Been putting up with this since XXXX. Comenity are thieves!!!!! After this is resolved, I will never have a credit card that is thru Comenity! I will let others know as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have forwarded all information to XXXX regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on 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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Bankruptcy on my report is hurting my score please help. it is appearing as a public record can you take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
AXX/XX/XXXX I was billed for a XXXX XXXX Account that I never opened. XXXX had told me that they will close the account and send it to internal fraud. But, they sent it to collections. I later spoke with XXXX and Convergent ( debt collector ) several times. Convergent said they will close it. But I recently, XX/XX/XXXX, received two letters saying will settle for a reduced amount. This debt needs to be closed and removed from 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 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
my mortgage loan was transferred to Rushmore by XXXX XXXX mortgage loan last XX/XX/2020. I have been making payments since the transfer never missed payment and now Rushmore is sending me my monthly bill of {$4700.00} and my usually monthly is only {$1400.00}. I request Rushmore to provide me info as to how they come up with this bill. 
they have provided me it. 
This problem has been almost three ( 3 ) years now going on with XXXX XXXX but they just doing run around ... 

I have been requesting Rushmore to REFI my loan through their " STREAMLINE '' loan as suggested by RI Housing. I haven't heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent certified mail to the following Credit Bureau XXXX, XXXX and Equifax. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/XXXX. ( false reporting ) *XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I sent certified mail to the following Credit Bureau XXXX, Experian and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I need to get removed from XXXX. I got reported to XXXX for overdrafts because I had checks returned but it was not my fault. I got reported for stuff that happened that was not due to account abuse. I was scammed and had bad checks in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS SERVE IS INDEED XXXX. I  WISH I COULD HAVE MORE PROOF. NO WAY A COMPANY CAN SURVIVE PROVIDING BENEFITS FOR THE PEOPLE OF TEXAS, ONLY TO XXXX   IT AND NOT COME THROUGH WITH THEIR PROMISES. 

I CLOSED THIS ACCOUNT ON A THURSDAY, AFTER AMERICAN EXPRESS FAILED TO PREVENT AN ACCOUNT HACK FOR XXXX. AFTER THAT FAILURE, ONE OF MANY OVER THE COURSE OF 2 YEARS, I CLOSED THE ACCOUNT. 

IT TOOK THEM 4 DAYS TO PROCESS IT. THEY REFUSED TO EXPRESS MAIL IT. I ALREADY HAVE TO WAIT 7-10 DAYS, ASSUMING THE POST OFFICE STILL EXISTS THEN. 

HOW CAN IT TAKE ALMOST 6 WEEKS TO GET SOMEONE THEY'RE MONEY BACK? MAKE IT MAKE SENSE. IF I EVER SEE THE PEOPLE RUNNING THIS BANK, IM XXXX ALL THEY XXXX. XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have report XXXX XXXX ( XXXX ) numerous of times and Experian is the only company who has not removed it from my credit report. It's fraud and don't belong to me. I have report it with the federal bureau of identity theft and mailed them off a report and Experian has failed to remove it from my credit report. XXXX and XXXX have removed it from my credit report and its causing me a hardship with purchasing a home.

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 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have filed a dispute through XXXX Credit Company. The company, Portfolio have not replied. This company is working for XXXX XXXX. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My bank account has a user that is using credentials we both didnt create nor still have access to. XXXX and XXXX should NOT STILL BE ON THE ACCOUNT since I have not had either that email or number in several years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
This app is supposed to give advances when I pay on time it doesnt allow me to get the loan back once paid back! The make excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
In XX/XX/2020, I received a collection notice from ERC in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from ERC for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE SWEARS I OWE THEM 400 PLUS DOLLARS BUT CAN'T PROVE IT. I ASKED THEM MULTIPLE TIMES. I EVEN PHYSICALLY WENT INTO A LOCATION IN XXXX XXXX. THEY TOLD ME MY ACCOUNT WAS CLEAN, THEN OFFERED ME AN AUTO LOAN. 

HOW CAN I GET ANOTHER LOAN IF I OWED? A LOAN FOR 100 TIMES THE AMOUNT SUPPOSEDLY OWED? EXACTLY. THAT'S NOT HOW IT WORKS. 

I'VE DISPUTED THIS MULTIPLE TIME. I DON'T KNOW WHAT ELSE TO DO, BUT COME XXXX XXXX XXXXXXXX. 

I ALREADY PAID THE CARD I HAD WITH YOU ALL. LATE, BUT I PAID IT. ONCE I PAID IT, YALL BEGAN ASKING FOR MORE MONEY. HOW? HOW CAN YOU BE CHARGING ME PAST INTEREST ON SOMETHING THAT WAS PAID OFF? THEN YOU KEEP GOING TO XXXX XXXX XXXX. 

AFTER I PAID THE CARD OFF, TELL ME, WHY WOULD I WANT ANOTHER ONE? YALL XXXX  AND LAZY. I WISH I HAD ENOUGH FOR A CLASS ACTIONS LAWSUIT. 

STOP ASKING ME FOR MONEY. DIRECTLY OR THROUGH YOUR FLUNKIES. I DON'T OWE YOU ANYTHING. YOU SAID I DON'T. EVEN THEN, THAT WAS IN XXXX. NO LATER THAN XXXX. HOW CAN YOU STILL BE CLAIMING THIS 7 YEARS LATER. PAID OR NOT? 

IF YOU CONTINUE TO ILLEGALLY HARASS ME, I INTEND TO FILE AN OFFICIAL COMPLAINT WITH MY STATE, LOCAL, AND NATIONAL COURT UNDER THE FCRA. YOUR INTERFERENCE IN MY LIFE HAS COST ME AN OPPORTUNITY TO GET EVEN MORE CREDIT FOR OTHER THINGS. STOP IT. NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY IS ATTEMPTING TO RECOVER FUNDS I DO NOT OWE. THEY ARE WORKING WITH XXXX  XXXX TO RUIN MY CREDIT WORTHINESS. I LITERALLY LOCKED MY CREDIT AFTER ALL THIS NONSENSE. 

I DON'T OWE. I RETURNED THE BOX. THEY LOST THE BOX. IT IS NOT MY FAULT. I DON'T OWE YOU MONEY. OR XXXX  XXXX. OR XXXX. OR ANYONE ELSE IN THIS MINAJ OF XXXX 

LEAVE ME ALONE. 

IF YOU PERSIST, I WILL BE SUING YOU UNDER THE FCRA AS AN AGENT OF XXXX  XXXX OR XXXX. WHOMEVER. I DON'T OWE YOU ANYTHING. 

LAST WARNING. NEXT COMMUNICATION WILL BE A SUMMONS, COMPLAINT, OR SUBPEONA. TRY ME. 

XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from TransUnion & XXXX. Since these are hard pulls, they negatively impact my credit score. 

In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, TransUnion has not corrected this hard credit pull.

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 2020-08-23 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: MA

Complaint narrative:
One of my XXXX XXXX Accounts is duplicated ( listed twice ) on my Equifax credit report. The address listed on my Equifax report is 5 years out of date. XXXX  and XXXX  both have correct information. All of my creditors have my correct current address and are reporting it correctly. The creditor of the duplicated account, XXXX XXXX XXXX, has confirmed that their reporting is correct and that Equifax has incorrectly listed the same identical account twice on their report. 

I have filed an online dispute and called Equifax Customer Service to follow up to no avail. Their customer service is awful. 

Equifax has requested twice, via unattended automated email, that I send them a copy of my driver 's license, my Social Security card or W-2, and a recent utility bill. 

I have no problem with the utility bill, and have faxed them same, but there is no way in XXXX I am going to send my license and Social Security number through the USPS.They claim the be very interested in protecting my personal information. Really? Obviously not! 

I understand they are trying to 'verify ' my identity - sounds reasonable - but sending sensitive documents through the mail is not the way to do so, nor should it matter in this case. I obviously have access to the report in question ( and yes, it's mine ), and the errors I have noted on the report are easily verified as ERRORS! They should be corrected. Period. Full Stop. 

I DO NOT TRUST Equifax with my personal information. They already leaked it to XXXX hackers. As far as I'm concerned they should have been forced to pay far more than they did in the breach settlement. They got off way too easy and it shows. 

I want a human being with authorization to do something about this to contact me. 
My existing Equifax dispute numbers are : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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