vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
Hi I applied for a Arvest gold credit card and I was approved on the XX/XX/XXXX and the card was sent out on the XX/XX/XXXX and I never received my credit card and I waited and waited and I have a business to run and I dont Have time to be on the phone and talking to customer service agent and I try to see if they can XXXX it to my address it been over 10 business days but the lady told me there system is broken and she has to mail it regular mail ...

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WellsFargo had issued me a " XXXX '' CC that I had been using for years, until due to two fraudulent charges, this particular acct. was replaced with another as they adjusted the fraudulent transaction. Within 4-6 wks later this newly issued card, a few days ago, was fraudulently compromised by issuing a replacement card mailed to a different address, 50 mile away. The fraudster charged {$5700.00} against the credit card. 
Though WellsFargo Fraud Dept. acknowledged my call-in alert, but how they came about doing it, was unacceptable : I've had a cellphone alert on my acct. for transaction of > {$10.00}, but they never sent me a text. As a matter of fact, the only time I was informed by email was 2 days after they had XXXX mailed the card to this unknown address. On this same day of receipt of this email and on my calling their provided Toll Free tel #, did I logged-in to my WellsFargo acct # and yet did not see it having been used. However he next day, login again, I saw fraudulent transactions dated day before their email sent to me. 
WellsFargo seems to have contributed to this fraud : 1. Should have sent me a cellphone alert on the date a replacement card was requested by the fraudster.

2. An email should also have been sent on the same date the Fraudster asked for a replacement.

3. Replacement card mailing to a different address should have heightened suspicion of fraud, instituting a prolonged mailing until cleared with cellphone & email contact response.

Police reports have been filled from the County of known WellsFargo account ( XXXX ) & the Unknown address of the Fraudster ( XXXX ) Credit freeze has been instituted with XXXX, XXXX & XXXX Acct established with IdentityTheft.gov WellsFargo Fraud Dept. claims they'll have a report of their actions, 30-45 days later

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 2019-07-31 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: TX

Complaint narrative:
XXXX acct number XXXX has reported that I owe them {$790.00}. I dont know of any debt that is owed from me. I have never been extended any credit with them. Please remove

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 2019-07-31 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:
XXXX acct number XXXX has reported that I owe them {$790.00}. I dont know of any debt that is owed from me. I have never been extended any credit with them. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove

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 2019-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX AND XXXX XXXX SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD 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 non-monetary relief
Consumer complaint received 2019-07-31 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX, XXXX AND RECEIVABLES PERFORMANCE SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX on around XXXX I have called customer service billing dispute to dispute a charge. The charge was for the item purchased on XXXX from the XXXX vendor and the amount was {$24.00}. After the long wait I was finally speaking with the representative who without warning put me on a very long hold and then subsequently the call was disconnected. 
I called again and was informed that the dispute was not finalized. When I brought an issue of professionalism and respect by which cardmembers should be treated ( I am a cardmember in good standing since XXXX ) I was told that I will be transferred to the supervisor. The person who I was transferred offered variety of excuses and still didn't process the dispute as requested. Also I found out that the person being transferred to is not a supervisor. The third person on the call, and the fourth in the chain finally identified himself as XXXX and apologized for the issue however the dispute was not finalized. 

Questions to the Discover Card : 1 ) Why its employees feel they can disrespect consumers such as this and why the dispute billing system is not capable to be handled in an efficient and timely manner? 
2 ) Does Discover does this on purpose to have the people being discouraged to filing the chargebacks for items they ordered and never received? 
3 ) If the call met or did not meet the Discover Card 's professional service standards can you please let me know what are? 
4 ) What is the simple billing dispute charge have to be handled by two separate calls involving 4 people? 

Very much looking forward to the response. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
When this loan was originally taken out I was only the authorized user on my mother 's loan for this account. Somewhere along the line Ally financial started using me as an account holder, since my mom was sick. She eventually stopped paying due to illness and the account was transferred to a collection agency. I was never listed as an account holder with them and they never reported it to any credit reporting agencies. In XX/XX/2019 my mother died and Ally is reporting this on my credit file to all 3 reporting agencies. In the original loan documents it states that if the account holder ( or any account holder ) dies then loan is considered paid in full. I contacted Ally sent them my mother 's death certificate along with a  letter to remove this from credit reports. I sent a certified letter that a company rep signed for on XX/XX/19. I asked that they validate my obligation and send me proof and to also remove this based on the loan agreement stating that upon death of 1 or more of the account holders the account is paid in full. It has been over 30 days and it is still being listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove

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 2019-07-31 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:
XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove

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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act. 

This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today. 

I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General. 

I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code. 

Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: GA

Complaint narrative:
THE ACCOUNTS DISPUTED HAS BEEN HINDERING MY CREDIT AND I WOULD LIKE TO HAVE THOSE REMOVE BEFORE IT CAUSE MORE SERIOUS DAMAGE. PLEASE CONDUCT A REINVESTIGATION FOR THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS OFF 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 non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
date XX/XX/2019 tried to login and Bluebird by American Express website is offline. 
The site is down right now cant get food cant withdraw money or make purchases stranded with no way for me to transfer funds no action where taken when i called about issue customer service just keeps hanging up on me with no answers please help asap!! this unexceptionable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove

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 2019-07-31 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:
XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.

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 2019-07-31 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: TN

Complaint narrative:
Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TN

Complaint narrative:
Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.

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 2019-07-31 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:
XXXX XXXX XXXX acct number XXXX states that I owe them {$1300.00} I dont know what this is please have them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
XXXX XXXX put a inquirie on my report and I have not applied for credit not signed any legal document to run my credit and I have a alert on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: TN

Complaint narrative:
During my vehicle refinance with Flagship I purchased GAP insurance from what I understand was also through Flagship ; but due to extremely poor loan servicing I again refinanced via XXXX XXXX XXXX  XXXX. I am owed a GAP insurance refund from Flagship Credit Acceptance that I have yet to receive. I have repeatedly called asking for the status of my refund and gotten a different answer every time. This leads me to believe that Flagship does not intend to issue my refund. I am sure there are many former Flagship customers that are in the same predicament ; therefore this is my formal notice to Flagship management that if I do not receive my GAP insurance refund by XX/XX/2019 that I will file a Class Action Lawsuit against Flagship. You can either pay me the few XXXX that I am owed or you can pay out millions as you did recently with your {$4.00} XXXX auto-dialing class action settlement. I am a hard working man with a daughter to put through college so every XXXX counts. I refuse to be taken advantage of and I need my money. I expect someone from Flagship to call me ASAP to tell me the following ; what is my GAP insurance refund amount and when will it be sent? A copy of this complaint has been sent to the Consumer Financial Protection Bureau, the Pennsylvania Attorney General 's office, and the Tennessee Division of Consumer Affairs ( DCA ). It would be most unwise to take this complaint lightly. I WILL get what is owed to me one way or the other.

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 2019-07-31 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I've previously submitted a complaint to Ally Financial on this site. XXXX from Ally call me back this week stating that they CAN NOT find my name in their system. I provided my SSN to him and no word. I need this resolved ASAP as its negatively impacting my credit score. As its past the 15 days from my previous complaint.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, this is closed complaint XXXX and here i gon na attached after Transunion confirmed there is inquiry currently show on their system i'm gon na attached report downloaded from Transunion, XXXX XXXX, Transunion Lock

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