vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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: KS

Complaint narrative:
XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: KS

Complaint narrative:
XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit  score  XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit  score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed 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 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MI

Complaint narrative:
They are sending my information to credit bureau XXXX and XXXX it is not a loan they are saying trying to collect debt and when i called my health care provider they told me all my hospital expenses where paid and when i called the hospital nothing is showing that i owe anything,, i have not received any statements but now they are putting a collection notice on my credit bureau ... as of this were a loan ... this is not legal ... and i do not know how they can do this ... i do not owe any debt to LJ ROSS AND ASSOC XXXX MI ... XXXX XXXX XXXX ... please help thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: GA

Complaint narrative:
XXXX XXXX, USDOE/XXXX, Dep ED/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX  reported that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and names corrected on my report this is a violation of my consumer protection rights.

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 2020-04-16 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2020 I had purchased off the XXXX site a what I thought was a XXXX case - XXXX XXXX XXXX. The guy that store it was under on there was a XXXX who ironically his store is now gone and so is his email but I have this lady billing me XXXX and she sent me a plastic case with a slapped on decal of the XXXX XXXX logo - nothing like the pics. Probably why they got shut down on XXXX. 

My problem with citi  is for two days now you cant dispute your purchase online it says were experiencing some temporary delays, please try back later. 
If you call them it hangs up on you automatically and says the lines are too busy. 

Listen Ive quarantined and working from home since XX/XX/XXXX and we work well still even with a limited staff. 

They send out emails saying they rather have you obviously do things through their app and then their app doesnt work and their phones are programmed to automatically hang up due to their call volume so you cant get anything done/rectified I want them to credit the charge XXXX XXXX posted on XX/XX/XXXX and the amount is XXXX and tell her to stop sending fakes out. I dont have an address to send this fake back to and Im not paying to ship it back so youll have to deal with how this fraud wants to proceed.

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 monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A little over a week ago, I was sent several correspondences via text and email regarding Wells Fargo stating, " They will no longer text me '' etc. I have not been a Wells Fargo customer for 2+ years now, nor have I contacted them regarding any information of mine. Whoever decided to enact these changes did so without my knowledge, or w/o my consent.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank widely advertised a promotion offering {$1000.00} to any individual who moved at least {$75000.00} into its bank from an outside source and left it there for at least 3 months. Based on this representation by Chase, I opened a new Chase account and transferred {$76000.00} from an outside bank into this account on XX/XX/2020. Three months have now elapsed, and I have not received the {$1000.00} as promised. I messaged Chase through their website, and they said they can not find a coupon code associated with the account. This sounds like an internal error that should have nothing to do with the {$1000.00} they now owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a American Express XXXX XXXX credit card. One of the main benefits of the card is you earn 6x points per dollar spent at XXXX prioperties. 

On XX/XX/20, I stayed at the XXXX XXXX XXXX. I used my Amex XXXX XXXX XXXX  card for room charges. I should have earned 6x points for these charges, but I only received 2x points. 

XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX  XXXX  XXXX  XXXX  XXXX XXXX The charges are coded as " sporting goods '' for some reason rather than " hotel ''. This is a brand new hotel, so their merchant payment processing probably wasn't set up correctly, and Amex 's systems didn't code these charges correctly. 

I chatted with an American Express agent on XX/XX/XXXX, and opened case XXXX. They said it should be resolved in 7-10 business days. I chatted again on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and again on XX/XX/XXXX. In each case they said it was under review, and no update was available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On 10 occasions I have contacted Transunion about fraudulent credentials inclusive of inquiries. I have disputed inaccurate information, 3rd party system reports and they are violating my rights.

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
My fidelity rewards visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.

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 2020-04-16 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:
My complaint is against Equifax, on XX/XX/2020, I noticed my credit score has drop 8 pts., between XX/XX/2020 - XX/XX/2020. Between XX/XX/2020 - XX/XX/2020 my overall payments decreased, my XXXX XXXX account decreased {$1000.00} and my XXXX XXXX XXXX  decreased {$9.00}, with no late or missed payments during that time period, if anything my credit score should have increase. Equifax can not tell me how this happen. I wish Equifax can resolve this issue, if not I will file a civil suit law against Equifax, because my score continue to drop for no reason, I lost my home loan because of this mistake or computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
My XXXX XXXX  XXXX was totaled in XX/XX/XXXX due to an auto accident. I notified Ford, XXXX my insurer of such. There was a remaining balance after XXXX totaled the vehicle. 
Ford advised me I have a Gap Insurance company- XXXX XXXX. 
I contacted XXXX XXXX and worked with Ford, XXXX to get this resolved. 
I supplied all necessary paperwork and reports. 
XXXX XXXX stated XXXX failed to report a 6 speed automatic transmission and a XXXX radio being part of the totaled XXXX  XXXX. I notified XXXX of this matter- twice. I received a call from XXXX stating they saw the XXXX radio issue, but did not believe the 6 speed transmission was an issue. I advised according to XXXX XXXX- it was. 
I have been getting called by Ford  Motor Credit- several times each day- and night, some calls coming in after XXXX in the evening. I have advised Ford of the situation, but they continue to call. 

My complaint is Ford needs to stop harassing me. XXXX needs to do their job. And, XXXX XXXX needs to contact XXXX not me. 

XXXX XXXX XXXX CO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
Fay is trying to force modifications in lieu of simple 4 month repayment - this is predatory and lacks integrity on their pary In XX/XX/2019, my job became unstable and I knew I had to reprioritize pending a new job - during this time - Covid19 hit and I then lost my position - I have repeatedly tried to pay payments to Fay which they refused and stated all or nothing - finally, a repayment was discussed over the telephone and they agreed to consider. two weeks later, their option was a fully new loan/modification - exceeding my original balance 15 years prior and at a higher rate I declined and said I needed only a plan to repay 3 months and get current - Fay is abusing the issue and refusing payments of any kind. They are trying to force a modification or foreclosure - for a simple 3 month late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I WANT Bank of America to return fraud of {$500.00}. This is a fraud claim. I was scammed. A company in XXXX without my authorization charged my Bank of America ( BOA ) credit card -- first coice travel. I want BOA to file it as fraud and credit back my credit card {$500.00}. 

XXXX XXXX XXXX XXXX with a girl in a shop near the XXXX resort we were staying at approaching us with a scratch off. My scratch off won {$500.00} OR a cruise. My wife won " first prize '' which could be anything from XXXX cash, XXXX gift card, or a free vacation. The catch is you had to show up the next day with ID and show some credit card to claim your prize. Well, we reluctantly decided to check things out. 

After an hour of watching a marketing video on some incredible vacation savings, we tossed the idea around into their plan. We met with one of the " team leaders '' in another room. I asked him to pull up different vacation packages on their video presentation scam.. THIS WAS ALL A LIE AND A SCAM. PAPERWORK was small print is could not read and I wS not told they were going to charge me {$500.00} on my credit card, there was a scam and of course no transparency of up front charges. I called XXXX to see if fraud company c charged anything and they did. 

We decided to purchase their plan ( I never saw a physical hotel. Only a video claiming huge discounts. HOWEVER an hour later on internet I was all info on them of a scam BEWARE. So I returned straight to the office to CANCEL EVERYTHING!!! The paperwork clearly states it will take 3 to 5 days before we have access to the website. NEVER GOT ACCESS to anything no services whatsoever so its null CAUSE I CANCELED immediately. 

I have proof of cancelation emails. BANK OF AMERICA HAS THIS. I spoke with XXXX one day after signing that paper I didn't even know it was a contract. XXXX the manager told me no problem it canceled but he would not give me confirmation so I sent a follow up email canceling everything!!! 

I want bank of America to return my {$500.00} credit and to speak to 3rd party bank that its a scam. No services were ever rendered. Nothing was received by us from first choice travel therefore it is XXXX. THERE WEBSITE NEVER WORKED OR USED BY US.

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I contacted my Citi Credit Cards on XX/XX/2020 to report that I was out of work and unable to make minimum payments due to COVID 19 pandemic by the due on XX/XX/20. I was told by one Citi Card that I would be put in a special program for consumers effected by COVID 19 so that my minimum payment would be placed at {$0.00} for 3 months ( XX/XX/20 ). My Sears Citi card told me that they did not have anything in place at that time for COVID 19 consumers but that they would waive all late fees occurred for my XX/XX/20 bill. On XX/XX/20 I received an automated call from my Citi Card that my account is passed due and that I had accrued late fees due to being late. I contacted the Citi Card, and was informed by customer service staff that there was no note of my call on XX/XX/20 and told me that they could not help me to remove the late fees or delinquency that had been placed on my account. I requested to speak with a supervisor and who got on the phone and told me that their system went down and that I would have to call back in 2 hours ( after I had been waiting on hold for two hours ). I did finally get through to a supervisor after I called back to- back. I was told that my account would be placed in a COVID 19 special program and that my account would not reflect as delinquent and no late fees would be assessed. On XX/XX/20 I received an email stating that Citi Card account was delinquent for a pass due amount. There was an option to request COVID 19 help attached to that email which I applied for. OnXX/XX/20 after the email that morning, I received an automated call from Sears Citi Credit Card stating that my account was pass due and has accrued late fees. When I called the customer service dept. I was told that same information- that there was no note of my call on XX/XX/20 and that there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. At that time Sears Citi Card did place me in a COVID 19 program to help with future payments but they refused to remove the delinquent account information and the late fees.

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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$1100.00} Company is reporting on all 3 credit bureaus as a collection and account.I do not have a contract with this company.I have disputed it multiple times on all 3 credit reports keep changing and reaging this account that I have never opened or signed a contract with Portfolio Recovery Services.I have been disputing this company with XXXX  , XXXX  , and XXXX  for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to XXXX with XXXX XXXX XXXX  and she assured me that they were reporting accurate information and it is Transunion that is not.

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