vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XXXX XXXX and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

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 2020-09-05 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: FactorTrust, Inc.
State: OR

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I booked and paid for a flights to XXXX on American Express My flights were cancelled due to COVID in XXXX for flights booked in XXXX I have requested refund {$200.00} in a letter to Amex on XX/XX/2020 No response! 

XX/XX/2020 I sent a second letter requesting credit and renewing dispute The letter addressed to Amex Disputes XXXX XXXX XXXX XXXX Tx XXXX AMEX XXXX # XXXX XXXX XXXX Hope this helps to push American Express to address my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Sent in a method of verification letter to Experian to verify a bankruptcy on my credit report and they received it but failed to notify me of the method they used to verify that the bankruptcy belongs to me. The only update with the dispute was that it remains. I want to know who did they verify that information with.

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 2020-09-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Im the process of purchasing my first home and during the credit check they found an account that was open that I dont own. The account title is CCBXXXX. It says that someone has been paying a credit of XXXX by making payments that are XXXX per month, however I never opened or payed that credit account and Im unable to find a phone number for that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: STATE FARM BANK, FSB
State: NC

Complaint narrative:
State Farm Bank reported my car loan as 30 days delinquent when it was not 30 days past due. My payment is due on the XXXX of every month. A payment was made on XX/XX/XXXX. My payment for XXXX was due on XX/XX/XXXX, however the payment was delayed until XX/XX/XXXX. It was 17 days late - not 30. 
I spoke with a customer service representative at State Farm Bank and was told that it should not have been reported as it was not 30 days late. I was told that there was no way for me to contact the credit reporting department within State Farm directly. I disputed the report with State Farm Bank directly, as well as XXXX and XXXX. The creditor continued to report the account as accurate and it now shows as a derogatory mark on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Costco promotes their Credit card as Visa Signature issued by Citi, all their pictures show that the card is visa Signature and even their brochure show the same. I applied on the credit card and was approved. I received my credit card with the Visa Signature stamp on it. So I started using the Citi credit card having the Visa Signature benefits. After trying to use the benefits, I contacted Visa and to my shock they said that the provided card number is for Visa Traditional and not Visa Signature. So I contacted the bank to tell them that the  visa is issued by an incorrect number. Here I was shocked to get the feedback from the bank that this is a visa traditional card and not a visa signature ( as promoted by Costco and printed on the card by Citi ).

Please I want to file an official complaint against Costco for their misrepresentation of their card and against the bank for providing a fraudulent card which shows Visa Signature while it really is not. I am attaching a copy of the card for your review, the card shows Visa signature while the Bin number is for visa traditional.

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 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX XXXX unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called National they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened both checking ( ending with XXXX ) and savings ( ending with XXXX ) account at XXXX XXXX XXXX Chase branch around the beginning of XX/XX/2020. However, after I attempted to make a transfer of {$15000.00} to initially fund the account on XX/XX/XXXX, the transfer was cancelled on XX/XX/XXXX ( Attachment # 1 ). I also got a letter date XX/XX/XXXX that state that there is an unusual activity on my account ( Attachment # 2 ),  which I tried to contact Chase  promptly on XX/XX/XXXX 1 ) via phone to the call center with extremely long wait time of more than an hour 2 ) via phone to a banker at local branch and 3 ) via secure message ( Attachment # 3 ). However, both of my accounts were still closed by Chase due to the transfer on the same day, XX/XX/XXXX, state that " you didn't provide information we requested '' ( Attachment # 4 ), which would be impossible to response since the notice is issue the same day as the closure. This made it clear that the closure of these accounts are not my fault. 

Today ( XX/XX/XXXX ), I tried to reopen both checking and savings account at Chase branch with {$600.00} coupon offer code XXXX XXXX XXXX XXXX ( Attachment # 5 ) at the same local branch. The banker informed me that the system does not accept the coupon because of the accounts there were opened on XXXX and closed by Chase shortly afterwards and I will have to wait for two years if I want to get an opening bonus again. 

However, the coupon wording clearly that You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Since I have never received any bonus from Chase. It is clear that I should be able to use the coupon, especially since the past closure of both of my accounts were clearly not due to my fault. 

As such, I request that Chase modify the system to allow me to use the {$600.00} coupon or provide any other means that would allow me to open both checking and savings account and receive {$600.00} opening bonus in the same way as with using the coupon. 

To be clear, I would like to say that all the bankers at local branch are very helpful, treat me very nicely and I would like to thanks them for all the help so far. However, the process of opening the accounts at Chase overall is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: LA

Complaint narrative:
i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, equifax i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: LA

Complaint narrative:
i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, XXXX  i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.

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 2020-09-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received a debit card for unemployment benefits from the state of Colorado on a US Bank Reliacard. I did not file for. Attempted to send a complaint with US Bank for fraud would not go through email as provided. Also contacted XXXX XXXX with a fraud alert. Did not activate card with number provided.

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 2020-09-05 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
I had XXXX XXXX through XXXX Insurance in 2019. The XXXX XXXX office couldn't collect for the appointments through XXXX XXXXXXXX and so they are coming after me. I was assured by my insurance case manager that I do not owe them anything. They applied for more appointments, were given partial payments, and are just trying to claim the outstanding amount from me. 

I have already spoken to them, and had XXXX  XXXX XXXX or XXXX XXXX send a letter to them explaining that, as XXXX patients, I don't owe a XXXX to them. 

But they have now sent me a letter for debt collection. This is coupled further by the fact that the couple that own the XXXX business also own the debt collection agency. 

Can you please either confer with XXXX XXXX ( XXXX XXXX  case manager ) on XXXX XXXX XXXX or email her at XXXX to get a better explanation. I have never been involved in debt collection in my life and this XXXX  office was very disconcerting in their practices to aggressively push clients to book appointments. The amount is very negligible - and it's strange that they would push for {$79.00} to be collected, especially after my case manager made it clear to them that I didn't owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: NV

Complaint narrative:
I will keep this short since I have SEVERAL COMPLAINTS filed without a resolution. 
Equifax has had several Security Breaches and my Personal Information has been stolen for 3 years in a row. 
In XXXX, XXXX, and XXXX My Social Security Number, Date of Birth, Addresses, and emails were all found on the XXXX XXXX 
Equifax Never Notified me of any of their BREACHES. 
The other credit agencies notified me instead. 
I had a Fraud Alert and now I have an ACTIVE SECURITY FREEZE with a Pin. 
This would provide PROTECTION if these agencies weren't so RELAXED with their security. Each time I call these agencies like Equifax I am allowed to update my ADDRESS, EMAIL, AND PHONE NUMBER without being fully verified. 
Instead, I am asked questions that anyone on the XXXX XXXX can answer about me. 
I am 100 % ex/posed! 

Each time I ask why didn't you ask for my Pin, agents and supervisors say, " we don't have too anymore ''! 

I understand the system is broken and fixed for consumers to FAIL. 

But, how can I sit and watch my repaired credit get ruined again? 
Asking for a Pin code takes 3 seconds in the call. 
To not ask says, you have a HIDDEN AGENDA! 

ANY EXCUSE GIVEN ON ANY COMPLAINT I FILE, IS UNACCEPTABLE! 

I called today XX/XX/XXXX and spoke to agent " XXXX '' at XXXX XXXX  XXXX and disputed an error on my credit for at least an hour. We spoke a little about my credit and things that are on it. ALL WITHOUT GETTING MY PIN CODE ... 

They are refusing to keep consumer files and credit SECURE until they get sued. 
Maybe when they start being sued with they change that horrible rule back to asking for our PIN CODE. 
They don't want to ask, and they continue to have SECURITY BREACHES. 
This lack of concern and lack of security will come to a halt in court eventually and I look forward to it. 
I have spent MONEY paying Equifax for a Security Freeze XX/XX/XXXX, I have spent over 20 hours trying to secure my file, correct errors, file disputes, seek legal advice, and then some. That alone will be considered time Lost and Damages. 

I do hope my credit can be more secure and I hope I never have to experience my credit being ruined again. But, if it does happen again, I will have multiple complaints I have filed as the proof that this has been ongoing and it could have been prevented. 

I will file a complaint each and every single time an agent doesn't ask me for my SECURITY FREEZE PIN. 
I don't accept EXPERIAN CONSTANT SECURITY BREACHES, I don't accept the LACK OF INTEREST they have in notifications which means I was not notified, I will continue complaining for as long as EQUIFAX and the other agencies fail at verifying my pin code. 

This is a VIOLATION OF MY SECURITY so no matter what, it will be reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
call transunion bout inquiries on my report that didnt authorize car dealership gave inquiries when didnt need a vechile try to resolve it tell them it not me had fraud against they were several inquiries on XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX also XX/XX/20

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 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC
State: CA

Complaint narrative:
Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX county unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called XXXX they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM 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 explanation