vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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 Have been an 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! This is unacceptable and I am very disappointed.

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 2021-01-28 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: FL

Complaint narrative:
MY XXXX  XXXX XXXX XXXX ACCOUNT CREDIT LIMIT {$8000.00} IS SHOWING A USAGE 53 % THIS IS INCORRECT. THU DUE DATE IS XX/XX/XXXX, XXXX THE STATEMENT CLOSING DATE IS XX/XX/2021. MY ACCOUNT WAS PAID IN FULL AND ON TIME. THE BALANCE SHOULD SHOW {$0000.00} XXXX DOLLARS DUE.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I never received notice from XXXX that I owed {$100.00} In addition during the period in question I had account issues in moving and changing accounts, nothing financial. They never informed me ever and even on the phone repeatedly told me that owed nothing, Yet the amount showed up in collections and is now killing my credit score I was advised to pay the credit collections agency so I did, but that was in XXXX and my credit is still in the the trash of {$100.00}!!! I've never missed a payment ever!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
On XX/XX/2020 an Annual Escrow Account Disclosure Statement was issued for the subject mortgage loan detailing a shortage of {$340.00}. The notice detailed that my new payment would be {$1000.00} if the shortage isn't paid, or if I paid this shortage, then my new payment would be {$990.00} per month. I promptly made this payment which is shown on my account to have been applied on XX/XX/2020. 

My Monthly Statement for XXXX reflected the {$1000.00} as if I didnt pay this shortfall, which because of the short time since I made the shortfall payment, I can understand this, but submitted a written request to review ( Ticket # XXXX, XXXX XX/XX/2020 XXXX to ensure the payment was adjusted before the payment date. I only received a reply that it was forwarded to the processing team. On XX/XX/XXXX, the amount of {$1000.00} was auto deducted from my account rather than the {$990.00}. I provided a written follow after I received my XXXX Monthly Statement still reflecting the higher {$1000.00} ( Ticket # XXXX, XXXX XX/XX/2020 ). Besides a reply that this has been forwarded to the processing team, I still have not had any assistance to correct the billing error. On XXXX XX/XX/2020, I submitted a formal letter of Error Resolution Notice under 12 C.F.R. 1024.35 through the companies website ( Ticket # XXXX ) and again received an automated reply that it was forwarded to the processing team. My XXXX statement is still reflecting the higher amount and I am being auto-debited for this. 

I have attempted to call several times, and after spending a large amount of time going through the phone tree, the call gets disconnected rather than getting a live person. 

As of the filing of this complaint, I have not received any response from this company.

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 2021-01-28 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: FL

Complaint narrative:
They have been reporting wrong information ( my name, address, accounts, etc .. ) on my credit report, I have sent dispute letters to fix this situation and the credit bureaus have simply ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WV

Complaint narrative:
My name is XXXX XXXX.This is either against XXXX or Direct Express Debit MasterCard ... 
On XX/XX/20 there were 4- {$100.00} transactions on my Direct Express card from XXXX totalling {$400.00}. Luckily I noticed it the same day. When I called XXXX, it was like they were protecting whoever committed identity theft & fraud! They could refund {$200.00} only because the other {$200.00} had been used, sent, something & they couldnt give me the information for the persons responsible. They could confirm or deny if I somehow guessed the email! What?! I don't even have XXXX products or have an ID. I use XXXX. Long story short-contact my bank. I did have email from XXXX admitting to it. Now ... 
Direct Express made me wait over 80 days for them to issue the provisional credit due 10 days after only to take it back 2 days later! I went in the hole therefore paying it the first of the month. It was XX/XX/20 & few days before. After all of this they decided since XXXX is now claiming no responsibility, they won't give it to me either! 
I've tried to contact XXXX again with no results. Why do I have to be punished for being a victim of fraud?! Please help. I'm on SSI & I'm not able to handle out {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MO

Complaint narrative:
I am a XXXX XXXX with XXXX a credit or company called checkr does a background report for XXXX. 
XXXX locked my account on XXXX due to a report with this company. 
I was sent emails from XXXX to contact this company. 
I can not call XXXX support because they locked the number on my account stating they can not resolve issue over the phone. 
I emailed Checkr and nothing. 
I currently can not work or drive with XXXX due to this situation. 
The Checkr company does not contact me and I have no way of communication with them but emails. 
I have been out of work for more than 30 days and I can not get unemployment. 
I have been hurt by this money wise and seek compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
That debt was mistakenly process because it was already cancelled and recognized by the company,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I put {$4200.00} in my Cash App account and on Sat. XX/XX/2021 it was all stolen thru fraudulent transactions ( 35 ) that took place within 17 minutes. I reached out to Cash App support, which could only be done via email, and I received a response that asked 5-6 questions regarding the fraudulent charges. I provided all the information they requested and additional supporting information that they didn't request and I still haven't heard anything back. Then 2 days later, I observed money being put back into my account ( {$2000.00} ) and I had no way of transferring it to my bank account due to me having to cancel card that was linked to Cash App and I tried emailing Cash App support several times to inquire if it was them putting money back but I still haven't received a response and then money was taken back out 10 minutes later. I need help with this issue and getting my money back. Please help me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: SC

Complaint narrative:
AMERICA First Credit Union is changing people 's long time holding checking accounts over to a premium checking account option without permission. I signed up and started with AFCU because of their member benefits and their free checking account. They are unethical, without permission, changing my account to something I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
MY XXXX XXXX  ACCOUNT NEED TO UP TO DATE.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I was late my a day making my payment in XX/XX/2020 XXXX the payment was due XXXX XXXX, I paid my balance in full on XXXX XXXX ). Consequently, Comenity assessed me a late fee. I called on XXXX XXXX and spoke with a representative to ask them to waive the late fee. The representative stated that they could reduce, but not completely waive, the late fee, and that my new amount due would be {$15.00} ; I paid {$15.00} that day. However, Comenity never reduced the fee as the representative had stated, and has continued to charge late fees every subsequent month, as well as interest charges on the late fee balance, which together now total {$170.00}. I sent Comenity a message through their secure message center on XX/XX/2020, indicating the error. Comenity replied on XXXX XXXX that they were not responsible and would not resolve the problem. On XXXX XXXX, I filed disputes with the three credit bureaus. Comenity called me on XXXX XXXX and I again indicated that all the fees and interest charges were the result of their error ; they again indicated that they would not resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
First, PNC was notified of a problem. Then I got transfered and the second lady/supervisor wanted me to waste time going all over the issue again, when I had said, you need to document this and fix it. So I told her she needed to get back to me in writing on it. I received a couple of emails, but again, the company refused to put the answers in writing, to fix the problem, etc. 

I want PNC to start paying me when their front line folks are not taking the appropriate steps to listen to what the issues are, and then go fix it, either from their end or move it to someone else. It is not my job to repeat at least 5 or 6 times to different people, what the problems are, unless they're paying for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My state won a lausuit for fradulent practices by Santander where part of the relief was to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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 Have been an 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! This is unacceptable and I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID XXXX  OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I XXXX  VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
Received a call on my answering machine from Arcadia Debt Resolution claiming I owed money On Thursday XX/XX/2021 I returned their call at XXXX XXXX  and asked how they obtained my unlisted number and what was this call was about as I have never had an unpaid bill The representative was XXXX would not provide a last name or employee number and he insisted I provide personal information before he could tell me what this was all about. I stated he should have all my info furthermore I have an XXXX credit score and monitor my credit reports I informed him if he could not discuss the issue without disclosure of my detailed info ( ssn etc ) I would terminate the call which I did I feel this was a scam and research into this firm I noticed there were numerous complaints against them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: AZ

Complaint narrative:
What the heck is your problems is it that important for you to lie about people.

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 2021-01-28 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: NJ

Complaint narrative:
My state won a lausuit for fradulent practices by XXXX where part of the relief was to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NJ

Complaint narrative:
My state won a lausuit for fradulent practices by XXXX where part of the relief was to delete the 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 2021-01-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
On XX/XX/2020, TSI, Transworld Systems Debt Collection reported an unpaid account on my credit report - amount {$220.00}. The original creditor is an electric company in Texas, XXXX XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX. I had never even heard of XXXX XXXX. 

I contacted XXXX XXXX and they told me that my information does not match the information of the person who opened the account, including the social security number. They told me to contact TSI.

I contacted TSI and they told me that the account opener had a different name than myself, and a different home address, but that my SSN was the number associated ( If the companies disagree on the SSN, somebody is committing fraud ), I opened a dispute with TSI and they promised to contact me.

I filed a dispute with XXXX  credit reporting and it came back simply saying that the information was verified. TSI never followed up and told me that they would do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a Method of Verification Letter to TransUnion for a alleged bankruptcy that I seen on my credit report when I checked it. First letter was delivered to TransUnion on XXXX. I got a response back from them on XXXX, saying that the bankruptcy was verified by the USBK Court. I sent a letter to the court clerk to see if they really did verify a bankruptcy for me to the credit bureaus or other third party companies such as XXXX and that letter was delivered to the clerk on XXXX. I got a response back from the clerk dated XXXX. The court clerk letter says, " The Clerk 's Office for the U.S Bankruptcy Court for the XXXX  District of Alabama is not a reporting agency to the credit bureaus. We do not actively report information ''. When I got this letter, I sent the verified by the court letter TransUnion sent me and the court letter I got from the court clerk to TransUnion and demanded deletion on XXXX. They got the letter on XXXX and I got response back from TransUnion on XXXX still saying that it is COURT VERIFIED, ( WHICH I KNOW IS A LIE, THE COURT CAN NOT VERIFY INFORMATION BECAUSE IT IS ILLEGAL ). So, I sent a letter back to TransUnion with the court clerk letter on XXXX and they received the letter on XXXX. I got another response back from them on XXXX saying that they will not reinvestigate something they already investigated and the letter said if I send proof like court letter etc. So, this is the reason I am filling a CFPB report. I have been going at it with this company since XXXX and now it is XX/XX/2021, going into XXXX. 5 months of this! They are standing firm with saying the Court verified this alleged bankruptcy and no other company.. The Court told me that they do not verify information with the credit bureaus. TransUnion has lied to me about how they got this information and I want it deleted because of the fact that they lied to me about information about me which is DIRECT violation of the Consumer Credit Reporting Act Laws. Again, They are standing firm on the court verifying this alleged bankruptcy and the court told me NO they do not do what TransUnion is saying that the court has did. So, I am filling a CFPB report to help get this alleged bankruptcy deleted off of my credit report on the basis of TransUnion lying to me. How can a company lie to me about how they got my information? I do not understand! I sent all of my letters certified from the post office.

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 2021-01-28 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: FL

Complaint narrative:
They have been reporting wrong information ( my name, address, accounts, etc .. ) on my credit report, I have sent dispute letters to fix this situation and the credit bureaus have simply ignored 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