vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, in the amount of {$1500.00} to First National Collections Bureau. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to XXXX XXXX. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX my newly refinanced loan was sold to Shellpoint Mortgage for servicing rights. Since that time i have made monthly payments in accordance with note each month. I am current and plan to continue to pay as agreed. Per my monthly statement, the monthly payment is {$8700.00} and includes the following ; - {$6700.00} ( Morgage ) - {$1600.00} ( Tax Escrow ) - {$280.00} ( Insurance Escrow It should be noted that although this loan was sold to Shellpoint with taxes and insurance paid to current status, Shellpoint has not been paying my property taxes to my local taxing authority on time. They have clearly made an error but will not admit and/or rectify their wrongdoing. Shellpoint 's mishaps has lead to late fees and interest charges that appear on my account. I have demanded several times ( most recently on XX/XX/XXXX ) in writing and by phone for them to allow me to pay my taxes directly and avoid late fee interest charges. I will not pay for mistakes that i am not responsible for. I have not missed a payment since they have acquired my loan. 

My request is simple. I would like to have the escrow requirement waived so that I can pay my taxes directly as I can not trust that Shellpoint will ever handle my taxes correctly. I am asking CFPB to take action immediately. I have been asking since XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I live in XXXX, one of the epicenters of coronavirus infection. Unable to go out I ordered groceries to be delivered. Chase Bank locked my card for fraud. ( This was XXXX XXXX  Saturday XX/XX/XXXX ) Obviously this was because the fraud detection algorithm has not been updated to reflect that peoples buying habits have vastly and suddenly changed worldwide. 
I called every customer service number they have. All have an identical message : due to coronavirus we have reduced our hours and are closed. I tried the website but the secure message center said it will take a week for a reply. I tried XXXX but all they do is tell you to call ; they will NOT say when the phones will open again. 
It is surreal, like the banking system is failing. Its not just me. There are desperate, hungry people messaging them on XXXX. Monday some lines opened but people spent up to 2 hours on hold then the calls dropped ( they posted screenshots of the phone call lengths ). 
Some people locked out of accounts are having rent checks bounce. It had taken me almost a week to get a grocery delivery slot & I was frantic. Thank god I have a good friend who stepped in and ordered my groceries on his own card this morning. 

I am unable to buy anything, and I can only use a card ( I have just one ) because were all inside. I contacted the XXXX XXXX and the XXXX XXXX and now am contacting you. I know a lot of terrible things are happening but we shouldnt also be unable to buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This account was already paid before another collection agency received this debt from XXXX. Basically this account was sent to collections ( XXXX XXXX XXXX ) in error. This account was paid. We did get this removed through the dispute process, then XXXX XXXX XXXX obviously and illegally sold it to XXXX. XXXX, in which is not on my credit report ; which it should not be. 

The attachment i am going to upload is a screenshot of the original collection that was removed, due to it being paid before it was sent to collections. I am sure you will see the similarities. 

Please help me remove this because i am sick and tired of this paid account that should have never went to collections in the first place. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX- XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX  XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX  AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Report Number : XXXX Date Generated : XXXX XXXX, 2020 Account Name ASSETCARELLC/CAPIOPARTNE Account Number XXXX {$440.00} Account Number XXXX {$250.00} These collection accounts just pop up in my credit report. 
I dispute these accounts many time with the company and refuse to take them off my credit report. I don't own these accounts and they do a big damage to my credit report. Each dispute XXXX  told me, the collection agency verified the accounts while they don't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NH

Complaint narrative:
On XX/XX/20, I submitted my monthly mortgage payment online via their website. They did not credit my account with the payment until XX/XX/20, and charged me a late fee of {$80.00} since according to them the payment was not made until XX/XX/20. Previously, payments made on or before the XXXX of the month were not charged a late fee even if the payment was not credited to the account until after the XXXX. 

I contacted the company but they said that when the payment is credited to the account is what matters, so I would have to submit my payment via their website 2 days prior to the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation
State: LA

Complaint narrative:
I received notification from Performance something company that they were withholding my income tax return for a fraudulent amount owed to XXXX during the COVID-19 ordeal. I am in Louisiana and this is not allowed nor is the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: NJ

Complaint narrative:
Received a BrinksPrepaidMastercard that I didn't apply for. Tried to call and question company about receipt of same, and automated system asked for my social security number or the card number. I don't want to accidentally activate the card by providing the number.

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 2020-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my Experian credit report, i noticed that there is a credit inquiry on XX/XX/2020 by XXXX, which i have no clue. I never authoried such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

INQUIRY DETAILS : Company name : XXXX Inquiry date : XXXX, XXXX, 2020 Company Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, ND XXXX. 
Telephone : 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 2020-04-06 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/2020, in the amount of {$1500.00} to XXXX XXXX XXXX XXXX. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to Ad Astra. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2020, Wells Fargo suddenly closed my credit card account without notice and forfeited the rewards associated with the card. 
I feel that Wells Fargo was deceptive in their advertising practices by allowing me to earn reward points, and then closing my account without any notice, thus giving me no opportunity to redeem my points that I have collected over the year. 
There is no other specific information provided. I have reached out to them and they can't provide additional 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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XX/XX/XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XX/XX/XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX 2020, I made a transfer of {$500.00} ( out of my XXXX Federal tax return which was direct deposited into myXX/XX/XXXXServe American express Prepaid Account ) into my BankMobile Checking account ending in XXXX. Up until today, XX/XX/XXXX/20 there was a " processing transaction '' note including the amount on my Serve account statement summary. Serve by American Express will not respond as to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off 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
Consumer complaint received 2020-04-06 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 in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off 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
Consumer complaint received 2020-04-06 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXXXX/XX/XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$44000.00} XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation