vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-28 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CO

Complaint narrative:
I lost my credit card and there was a purchase made that I did not authorize. the purchase was made on XX/XX/XXXX. 

Th purchase was made at a jewelry store in XXXX Massachusetts : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX eastern time. 

The purchase was for a large amount of money and I received a credit monitoring notification a few hours later that my available credit had decreased by a larger amount of money. I called Discover to dispute the purchase and the first person went over all the details with me. The first representative I spoke to was very helpful, she was able to remove the charge and told me that I did not have to file a police report because of the distance from where I live to where the purchase was made. 

After a few months Discover reattached the charge to my account without explanation. I disputed it many times and the only response I get is that I am responsible for the charge and that the vendor had seen my ID and had sent Discover proof. 

I have requested the proof from Discover showing that my ID was used at the point of sale. I know that this is impossible because I have been in possession of my card the entire time. 

I have also submitted proof to discover showing my location around the time that the purchase was made and I also gave them a XXXX maps screenshot that shows the approximate time it would take for me to drive to that store from my house. 

I have disputed this many times and Discover still has not given me a valid reason as to why they believe that I am responsible for the charge. I have shown them irrefutably that it is impossible for me to have been at the store to provide my ID at the point of sale. Either the vendor is lying about having seen my ID or Discover simply does not care to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Since approximately XX/XX/2020, the company HRRG or Healthcare Recovery Group has been calling my phone with an automated system in an apparent attempt to collect a debt. When I speak with them, I am informed they have no information on me or my telephone number. I currently have no outstanding debts and have no idea why this company is calling me. These calls occur almost on a weekly basis. I have ask them to stop calling and to remove my number from their system. They assure me they have taken the number out of their system yet the calls continue. I have filed complaints with their company, the state and the XXXX. The calls continue. I am asking the CFPB to assist in making this unwarranted And unwanted harassment stop.

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 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
My mom recently found out that there was a debt that was owed to XXXX in the amount of {$280.00} which was due to Identity Theft. This information was found out after a credit check was done through XXXX XXXX  XXXX XXXX in XXXX, Michigan. My XXXX mother had been on the waiting list for 2 years. Now, due to identity theft, Jefferson Capital system is holding her up from getting into the apartment that she has been waiting on. Jefferson Capital system was called and told that we contact the Federal  Trade Commission to file an identity theft report. Because the amount that was due on the XXXX was not my mom 's. My mom was not in Michigan during the time that these changes were made. Jefferson Capital systems were asked to send a letter to XXXX XXXX XXXX, stating that they are aware that the charges that were made to XXXX were due to Identity and that the charges will be deleted. Per XXXX at Jefferson Capital system states that the XXXX charges would be deleted from all three credit bureaus week. Unfortunately, Jefferson Capital system refused to send a letter, which is causing my mom to go back on the waiting list until something else is available. Which could be a long holdup for my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX   XXXX {$680.00} XXXX XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of XXXX, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Have made multiple attempts to resolve this matter with the company in which they have refused on multiple occasions my request for debt validation and proof of claim on the debt they say I owe another company. 

I have sent multiple certified mailings requesting debt validation and proof of claim. In which they all received. The last request has been made by phone with a representative by the name of XXXX XXXX in which I was transferred to the supervisor to process my request in which I was hung up on. 

They have intentionally avoided communications with me and have refused to remove the debt from my credit report during the dispute process and follow the laws for debt collection. This one account has seriously damaged my credit report because of their illegal and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My problem is with my Barclay 's Mastercard online account. I've not been able to get to that account online for a month. I have spoken with their people ( in the XXXX ) 4 times and been told it would be fixed in 3 days, then a few weeks and then in about 30 days. There's nothing wrong with my account. I'm nowhere near the limit, I always pay more than the minimum on time. They have told me the account is fine - I just can't access it online. That means I can not pay the card on line and I can not check my account ( something I do daily ) for charges and credits. Barclays, or the company handling their website service, is totally unhelpful and I fear I'll never again have access to my account online. This problem began shortly after Barclays sent out millions of emails to cardholders that their credit card balances were near their limit. This was not true and we then received another email noting the " mistake '' made. When I mentioned to one of their employees that I felt they'd been " hacked '', he very forcefully and defensively insisted that they weren't hacked, but had made a mistake. Access to my account onilne is absolutely necessary for me. Please help to get Barclays to  address this problem and to correct 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 2020-08-28 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX   XXXX {$630.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$530.00} XXXX  XXXX   XXXX {$1300.00}

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 2020-08-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX   XXXX {$630.00} XXXX AR XXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX  XXXX  XXXX {$530.00} XXXX  XXXX   XXXX {$1300.00}

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 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Ordered merchandise in XX/XX/XXXX from XXXX XXXX, which was charged to XXXX XXXX account serviced by Comenity Bank. Statement showing initial purchase was never received. The first statement I received showed a late fee and interest. Company was asked to waive late fee and interest since first statement after purchase was never received. Company refused. I paid IN FULL for merchandise purchased in XX/XX/XXXX AND merchandise that was ordered in XX/XX/XXXX or XX/XX/XXXX that had not been billed, yet. This left a balance that was around {$28.00} of late fee and interest. I requested orally and in writing that my account be closed so as to not accrue additional late fees and interest. My request was ignored and XXXX XXXX/Comenity Bank kept my account open to be able to continue to add a late fee and interest every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
HAVE COSTCO VISA CARD WITH CITI BANK. THREE ORDERS WERE CANCELED BY COSTCO. HOWEVER PENDING CHARGES STILL SHOW ON MY CREDIT CARD FOR OVER {$3700.00}. HAVE SPENT HOURS ON PHONE WITH COSTCO AND CITI. 
COSTCO SAYS THEY RELEASED CHARGES. CITI REFUSES TO RELEASE CHARGES AND SAYS THEY WILL NOT DO SO FOR 30 DAYS. I WANT CHARGES FOR CANCELED ORDERS RELEASED FROM PENDING CHARGES.

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 2020-08-28 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: FL

Complaint narrative:
XXXX XXXX XXXX  is not my account this was proven to be a part of the XXXX  data breach it was deleted by XXXX  from my XXXX  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 non-monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
To whom it may concern : On XX/XX/2020 I went on CFPB and found that my case was closed. I Click the attachment and found a letter dated XX/XX/2020 conveying they would be granting my {$2500.00} from being scammed on XX/XX/2020. I never received the letter in the mail at my address that is correct in the letter. 

The Letter is in the attachment below. I reads to install a new XXXX XXXX  App Square the part saying open a new App. 
( Based on our review, it appears that you granted access to your Cash App account to an unrelated third party ; and in turn, this unrelated third party used the access you granted to remove funds from your Cash App account. Nevertheless, we have elected to grant you a credit for the amount lost. Our Customer Support team has prompted you to open a new Cash App account so that we can issue the credit. ) XXXX Since the scammed I only been having issue with the XXXX XXXX App. I have reinstalled the Cash App more than once before I went to CFPB and seen the letter and again on XX/XX/220 and respond to CASH OUT support email address on XX/XX/XXXX, and XXXX 2020. XXXX XXXX I received an email for XXXX XXXX  app talking it will take 60 or more days. I do not understand snice it was my {$2500.00} was granted a credit, I was to let them know I reinstalled the Cash App. So the scams started up again after I reinstalled the Cash App. After checking my email I get a Text from XXXX because of COVID19 Federal Government talking about call XXXX XXXX the have a direct deposit {$9.00} XXXX call them. I did and they stated with the same question as they did when I was scammed on XXXX XX/XX/2020, I said do you not going get me twice and they hung up and then they on XX/XX/XXXX I got a call from them and again this Morning XX/XX/2020 XXXX and she said she was from XXXX XXXX   App and she need to fix my App, the call is what awaken me so I said oh ok sure thinking it was the real XXXX XXXX App support and then she ask if I would go to the play store and down load screen share ( same thing they done on XXXX XXXX ) I said so are you going to fix or am I going to fix it and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
First National Bank of PA violated the following under the Federal Fair Lending Regulations. 

- Fail to provide information or services relating to, or provide different information or services relating to, any aspect of the lending process, including credit availability, application procedures, and lending standards - Refuse to extend credit, or use different standards in determining whether to extend credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: ID Analytics, Inc.
State: WA

Complaint narrative:
I recently applied with a credit card to XXXX / XXXX XXXX XXXX. The agency they were using is SAGESTREAM , LLC with a creditor of XXXX XXXX. 

I have good credit ( XXXX according to XXXX  ) - but was denied a credit card for murky reasons : Sage LLC Credit Score : XXXX Key factors that adversely affected your credit score : 1 ) Too many delinquencies ( I have no delinquencies ) 2 ) Number of inquiries ( No inquiries were made this year XXXX ) 3 ) Number of telecommunications inquiries ( I don't know what this is ) 4 ) Applicant associated with multiple phone changes ( I recently changed by cell phone provider because I moved, I have no phone delinquencies ) 5 ) Inquiries did adversely affect the score There is no way to contact SAGESTREAM or XXXX  about this. 

I see others have had the same problem when I check the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on 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 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: TN

Complaint narrative:
I purchased a mattress set on XX/XX/XXXX and they have me down for payment all they way up to XX/XX/XXXX, now that is too long to be paying on a mattress. It's not the entire bedroom set just a mattress and boxspring. 

The payments every month is {$150.00}. 

I made a payment on XX/XX/XXXX in the amount of XXXX and the payoff yesterday said {$47.00} which I was going to make today XX/XX/XXXX. I checked the system today XX/XX/XXXX to make the payoff payment and now the amount has changed, it's now {$100.00}. 

I need to know what happened within the past 12 hours to make it charge an additional {$55.00} dollars. 

The item was originally {$850.00} I'm paying for this item three times the cost. I've already paid a total of {$1700.00} as of XX/XX/XXXX. 

I need someone to help, this just too much money. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  was found to be opened by someone else do to the XXXX  data breach it was deleted from my XXXX credit report because it was fraudulently opened

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation