vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 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: MN

Complaint narrative:
XX/XX/XXXX mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. OnXX/XX/2019 XXXXXX/XX/XXXX placed an unauthorized inquiry on my credit report I called XX/XX/XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XX/XX/XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.

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 2019-10-11 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
It seems Wells Fargo hasn't done much to clean up their act. It has only been a few years since they were caught in some of the MOST egregious violations by a bank in USA History. 
I had just opened a Wells Fargo Credit card, first statement was just printed on XX/XX/2019 and Wells Fargo took it upon themselves to report the full balance of {$1900.00} to all three credit bureaus, dropping my credit score from XXXX to XXXX. 
My first payment is not due until XXXX ; Why would Wells Fargo report this balance? 
this will increase my auto and home insurance and it is not correct 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 2019-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: NY

Complaint narrative:
On approval of my XXXX loan I called SoFi to change my autopay date. Their customer service told me I needed to make one payment before I was allowed to change It and that I was only able to either have the Autopay date of the XX/XX/XXXX or XX/XX/XXXX..  My payment was made on XX/XX/XXXX and i proceed to change the date of the my new autopay. I successfully changed it to the XX/XX/XXXX and only afterwards did I realize when I logged in again that I was being forced to make two payments in XX/XX/XXXX. I called the company and spoke to a supervisor XXXX who told me that there was nothing I could do about this and I would be responsible for making two payments because I had changed my autopay date. If I had been told that this was in fact the case either online or via the three calls I made to their customer support I never would have put myself in financial peril by doing that. At this point I am being forced to pay twice for something that I was never notified about the repercussions of doing this even after having spoken to more than two agents. I feel ripped Off and so upset at what has happened to me. This is unfair practice and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2019, I received unsolicited offer in the mail from Chase Bank for the United Club Mileage Plus card. This offer was the United Club Card Intro Offer-First Year Free. It states " With this invitation-only offer, you'll enjoy a {$0.00} Introductory Annual Fee for the first year, then {$450.00} '' with a response by XX/XX/2019. I applied for the card and was accepted and received the card in the mail shortly after. My first charge on the card was XX/XX/2019. On XX/XX/2019, I was charged the {$450.00} fee that was supposed to be waived. I contacted Chase and was told I 'was n't eligible for the offer. ' I was going abroad and needed/planned to use the card so I paid the fee with the intent to contest the fee at a later date which I am doing now. I have the mailing/offer with my name and address on it in my possession. 

This is bait and switch and I want a refund of the {$450.00} fee I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 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: DISCOVER BANK
State: AR

Complaint narrative:
Someone has accessed my information on all of my credit cards. Then made large payments that were returned. I have told all companies repeatedly that I use 1 bank and only 1 bank. Several charges were in other states, debit cards obtained, loan applications and many other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Credit profile that's listed on my credit profiles should be removed. This account is over 10 years old and this account was paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I just discovered that I have been charged a debt protection fee, of at least {$30.00}, monthly, on a Best Buy store credit card, since 2010. I never knowingly authorized such protection as I had no need for such protection. By my math, I have likely been charged somewhere between {$3200.00} and {$3300.00}, not including interest charges on that monthly fee. This explains why my Best Buy balance has remained around {$300000.00} despite making monthly payments. I use an auto payment system and do not regularly monitor the balance. I have not made a purchase, using that card, in at least two years. To me, this is just straight up fraud. I contacted Best Buy and cancelled further fees, but I contend I should be fully refunded these fraudulent charges. I attached the most recent statement.

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 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
HARVE7ST ASSOCIATES KEEP ADDING MORE DEBT EVEN IT DOESNT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have called PNC bank over the years and they state that their company policy is they will never send paper copies of mortgage statements. I am trying to refinance another loan and I need a statement but PNC is refusing. to compound the problems I have tried logging into pnc.com to get a statement but it has not been working for a month. Their help desk is refusing to do anything to assist me with getting my loan information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was closed by Chase Bank Account number XXXX, on the letter Chase stated the funds I will receive 7-10 bussiness days it has been over three months I am waiting. I called in XXXX was told they will reissue a check but still didnt receive it. Today on XXXX2019 I called in and was informed my funds are being held it has been over three months I am waiting for my Money. 

I had two other business account with Chase which I already received my fund in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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:
An incorrect account is reporting on my credit reports 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 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2019 unauthorized payment to XXXX XXXX XXXX through CashApp {$30.00} XX/XX/2019 unauthorized payment to XXXX XXXX   XXXX through CashApp {$40.00} I did not authorize these payments and XXXX XXXX XXXX did not receive them. CashApp refuses to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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: MN

Complaint narrative:
XXXX  XXXX bank mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX  placed an unauthorized inquiry on my credit report I called XXXX XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX   XXXX XXXX  remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.

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 2019-10-11 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: MN

Complaint narrative:
XXXX XXXX XXXX  mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX placed an unauthorized inquiry on my credit report I called XXXX  XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX XXXX XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: CO

Complaint narrative:
EQUIFAX SENT ME A LETTER STATING THEY ARE REFUSING TO CORRECT MY CREDIT REPORT. 


They are illegally abusing my credit file by placing fraudulent investigations, dispute codes and consumer dispute statements on my account. I have asked them repeatedly to stop doing this and they continue doing it. This must be stopped because they are making it difficult to obtain a mortgage and they know this but keep doing it. 

Here are the ones that they keep doing this to and I want them to stop. 

1. XXXX XXXX acccount XXXX XXXX partial ) They keep putting dispute codes on this account and statements that say " Consumer disputes- Reinvestigation in process '' 2.  XXXX  XXXX account XXXX XXXX partial ) They keep putting statements that say " Consumer disputes, reinvestigation in process, consumer disputes after resolution 3. XXXX XXXX Account number XXXX XXXX partial ) They keep putting a dispute code on it saying " Consumer disputes, reinvestigation in process '' 4. XXXX account XXXX XXXX partial ) They keep putting consumer disputes, reinvestigation in process along with dispute status codes I just called their FOREIGN call center and they rep was really rude and said he would not remove their false information. What kind of company has the right to do this to an individual? I am sick and tired of these bullies doing this. They are holding my file hostage and are refusing to help me. How much more transparent do I need to be with the CFPB before you guys step in and do your job?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Frequently calling me across multiple different numbers, I have answered and on multiple occasions told them that due to currently loosing hours and eventually my long term job. Just today I have received multiple calls typically one after another between my cellphone and house phone. They will Call my cellphone and immediately call my house phone directly after and typically total up to 8-10 calls a day between the two devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: CA

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-10-11 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: FL

Complaint narrative:
An incorrect account is reporting on my credit reports XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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:
An incorrect account is reporting on my credit reports 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 non-monetary relief
Consumer complaint received 2019-10-11 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: CA

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed all non account holding inquiries with Experian.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Experian violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine. I have had problems with Experian over and over again about Anything I dispute Experian is the Only Credit Bureau that will NOT DO THERE JOB they violate the FCRA for almost 2 years on all my disputes. I have contacted their attorney general and I'm going to Sue Experian for {$1000.00} for Every inquiry they have on my Credit Report. If Experian have Anything they can send me as Proof I authorized inquiries I want them to send it to me ASAP!

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 2019-10-11 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. KEEP IN MIND THAT THOSE ACCOUNTSDOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: CO

Complaint narrative:
I submitted a dispute on experian with certified mail tracking numbers requesting a company called XXXX XXXX XXXX XXXX  remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which XXXX XXXX XXXX XXXX had received by never responded to my request. Within 10 minutes the XXXX XXXX XXXX XXXX was removed from my credit score. 

On XXXX XXXX XXXX XXXX XXXX refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. Experian investigated the dispute and claimed they recieved proof of debt. I called Experian and Experian refuses to show me proof of debt. 

I feel this is fraud and a scam on the XXXX XXXX XXXX XXXX and Experian because there has be NO PROOF sent to me to verify the debt and I request help in having Experian remove this from my credit score.

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