vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to all three bureaus in which have highlighted each account I wanted to have investigated. I have not seen any progress nor a response in regards to my letters. I think this is ridiculous. I have also called in to get assistance where I was hung up on multiple times and was even told I could not update my personal information. There has to be a policy that forbids this? I have heard horror stories before with the bureaus but I am positive an investigation can ONLY take 30-45 days? What is taking so long with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to all three bureaus in which have highlighted each account I wanted to have investigated. I have not seen any progress nor a response in regards to my letters. I think this is ridiculous. I have also called in to get assistance where I was hung up on multiple times and was even told I could not update my personal information. There has to be a policy that forbids this? I have heard horror stories before with the bureaus but I am positive an investigation can ONLY take 30-45 days? What is taking so long with 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 2021-08-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to all three bureaus in which have highlighted each account I wanted to have investigated. I have not seen any progress nor a response in regards to my letters. I think this is ridiculous. I have also called in to get assistance where I was hung up on multiple times and was even told I could not update my personal information. There has to be a policy that forbids this? I have heard horror stories before with the bureaus but I am positive an investigation can ONLY take 30-45 days? What is taking so long with 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 2021-08-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experience is charging me monthly to see my credit score. I check my credit score before I apply for credit and experience shown my credit score as XXXX but when I apply for credit they tell me experience is reporting XXXXthis is cause of me to be denied and receive inquiries in my credit because the are reporting inaccurate information.

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 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express ( AMEX ) uses 'Amex Offer ' promotional feature to attract customers to use their cards in particular categories. However, AMEX misleadingly hide the time zone in the Amex offer which they uses to measure if the charge is qualified. I have a Amex Offer added to my card ending in XXXX which was called " XXXX XXXX XXXX XXXX Spend {$300.00} or more, get {$60.00} back. Get a one-time {$60.00} statement credit by using your enrolled Card to spend a minimum of {$300.00} in one or more transactions, on room rate and room charges, when you pay for your stay at XXXX XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. '' The charge was made at XXXXXXXX XXXX  PST ( pacific time ) on XX/XX/2021, which was supposed to be eligible for the offer. However, Amex refused to reimburse {$60.00} according to the offer because they said my charge was made at XXXX MST ( mountain time ) on XX/XX/2021. I have no problem if Amex had told the customers that they use MST ( mountain standard time ) in the details of the Amex Offers. However, since the Amex Offer does not mention which time zone it uses, it is natural to assume it was measured in the customers ' city 's time zone. In my case, this charge should still be eligible as it was done on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got a personal loan from Wellss Fargo XX/XX/XXXX XXXX. All payments made on time never late. On the third month of paying I added {$200.00}. To pay on principal. They took interest of of that {$200.00}. And applied the remainder to principal. Again they did that the following month and I contacted the XXXX and the bank applied it where they should. Again XXXX I paid another {$200.00}. Out of that {$200.00}. They took out {$190.00}. For interest and applied {$9.00}. To principal. Thinking they would apply it like they advertise. They claim to take care of their customers but they are stealing from me. Ive called on this and they tell me they changed the practice and I never agreed to something like this. I have a balance of {$13000.00} and they made it to where their advertising doesnt go along with their practice. I need this straightened out. Im on a fixed income and a budget to where we both can benefit if they were honest. Please help me out with something that not only my be me. All their customers most likely are going through the same thing. Thank you.

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 2021-08-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filled a complaint about incorrect information on my credit report on XX/XX/2021. I have yet to receive a correct 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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/2021 from XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A XXXX XXXX DEPOSIT ACCOUNT XXXX XXXX said they were unable to open a deposit account because of information from the following reporting agency : Early Warning Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to XXXX XXXX and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope XXXX XXXX is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!

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 2021-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
This is my 5th time disputing an account on my report that does not belong to me and is holding up my process of purchasing a home. Account im disputing : DEBT RECOVERY SOLUTIONS # XXXX. They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Barclays Bank Delaware partial account number # XXXX is on my credit reports. This account isnt mine and they are violating several of my rites according to the FDCPA. They even gave another company my personal information that I didnt give them in the first place which is another violation of my rites according the FDCPA. They arent in compliance with any of the laws according to FRCA OR FDCPA. I asked for this to be verified and they still havent but yet still reporting it which is another violation.

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Received a letter dated XX/XX/2021 from Collection Agency XXXX Diaz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Legal Administrator I had no knowledge of this debt nor was any information provide to me to indicated that I owed a debt of {$2800.00} with a opportunity to pay this off with a stated amount of {$1000.00}. 

When I reached out to find this status I was advised that his a 20 year old debt, and there is no information to provide. However they where going to report it to the credit agency. 

I will tolerate being take advantage of by this collection agency, to extort money from me. Even if it is mine the statue to collect has well run out. 

I pride myself in trying to keep my credit safe and protected. 

Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: ME

Complaint narrative:
I believe this is a robocall, but it is a harassing call claiming that they are debt collectors from some Progressive Management Systems Debt Collection. 

The number they provide to be removed XXXX sounds bogus, and a XXXX search shows many others complaining that even calling this or the other number back actually damages and ruins your credit. 

The other number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: FL

Complaint narrative:
XXXX XXXX DBA XXXX XXXX is in New Jersey. I have never been to New Jersey. Also, this was supposedly created in XXXX. I have been XXXX XXXX in the military since XXXX. XXXX I was in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
I sent a debt validation letter to the debt collector : SCA Collections, INC asking them to validate a collection account with Creditor : Professional Pathology Services. SCA Collections, INC was unable to validate. SCA Collections, INC is reporting on my XXXX  report on a claim that they can not prove in the amount of ; {$500.00}. I would like this investigated and removed from my 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 2021-08-02 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: GA

Complaint narrative:
Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the CB 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX XXXX IS NOT the US Bankruptcy Court.

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, 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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I opened a zelle account with my phone number several years ago and used it for a while with no problem. Then my co worker sent me {$150.00} for a part we split the cost of. I went to log in and was told my account was blocked due to suspicious activity. I called zelle and sat on hold for several hours. I finally spoke to someone who acted like this happens all the time. I answered all the questions and my account was supposedly ready to use. I checked and no same thing. I've tried with them 2 more times and no avail. So i decided to not use them and count the {$150.00} as a loss. Now several years later I still have the same phone number and email and my account is still blocked. I need it to get paid through work. I am very nervous though that zelle is going to steal more money from me than they already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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:
credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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:
credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Ongoing with American Express Gold Card, for almost two years, I have had a problem getting them to stop charging for certain payments for ongoing services which I had cancelled with various companies ( Primarily XXXX, but also other accounts ) by contacting AmEx and asking to have these amounts not taken out from my card. At least two times I got rude responses in regard to my responsibility to make these payments and they couldn't stop them from being charged to my card. After three tries and repeated efforts they even gave me a {$200.00} credit ( which I never took since I might have to pay it back if I cancelled my card within the next year ) in order to try to appease me - this time assuring me the charges would not occur. This was sometime in late XXXX early XXXX. Finally, in frustration, after I was again charged by XXXX I cancelled the card which I had for around 15 years. My last bill I received from them in XX/XX/XXXX - I received a credit balance repayment ( which I later received by check ). Despite that a charge kept appearing on my account - note : my now closed account! So, despite asking that charges now be made against my account from certain creditors, and despite closing my account - American Express continued to accept charges and then to bill me! How can that even be legally possible for me to tell them not to allow a particular customer to charge my card that they still do? And, even after the account is closed they still charge - to a closed account - how? And how can I as a customer who gave them notice still be responsible for their error? Well, according to XXXX, who was very friendly/helpful - with the next credit reporting that goes to the Credit Bureaus, AmEx will fix my credit report! He couldn't give any kind of IDentifying info other than " XXXX ''! So now I wait until sometime around the XXXX to see if AmEx fixes this! In the meantime I think this is an important issue the CFPB and AmEx need to look at - I have never been so treated in any business dealing. It seems fundamentally in error! If someone could contact the Legal Department and discuss - surely this cant be correct!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. 

. Identity Theft NISSAN-INFINITI LT Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation