vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: WA

Complaint narrative:
I'm a XXXXyear old male, hacked and scammed over my phone on the dates of XXXX XXXX. Scammer had me use Credit and Debit cards to purchase XXXX  Gift Cards at my local XXXX XXXX ( XXXX ) store as follows : XX/XX/XXXX : 2 purchased Gift Cards = {$990.00} ; XX/XX/XXXX : 4 purchased Gift Cards= {$1900.00} ; XX/XX/XXXX : 8 purchased Gift Cards = {$4000.00}. 

All these on my American Express Card. 
I also used XXXX XXXX debit card and XXXX XXXX XXXX credit card to purchasXXXX XXXX Gift Cards on those same days. Subsequently, after reporting the fraud to the XXXX, WA police ( XXXX # XXXX : this file can be accessed if needed ) and all the banks, XXXX and XXXX  XXXX XXXX credited my account for all the losses. 
I spoke with several American Express representatives over the past two months, and last week was told by a Supervisor that they didn't consider my case as FRAUD, but " the product purchased was damaged or not as described. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient was calling all of my neighbors asking for my contact information because they can not reach me regarding a student loan. They did this last year as well and the XXXX XXXX XXXX complaint board notified them to cease. 

They have started calling all of them again recently in the past day or two. 

They have already ruined my credit, but now they are ruining my reputation and the right for privacy. Most of my neighbors do not speak to me anymore. The couple that got the call this morning from Navient asked me to stop having them call them. I never provided my neighbors ' information, so they are using other means to call them to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
The company is calling on a COMPANY credit card debt owed to XXXX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the XXXX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called Radius Global Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ 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 2020-07-13 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: MS

Complaint narrative:
I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT

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 2020-07-13 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: MS

Complaint narrative:
I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT

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 2020-07-13 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 — Investigation took more than 30 days
Company: Verisk Analytics Inc
State: NV

Complaint narrative:
I sent a email to XXXX XXXX XXXX on XXXX XXXX disputing information in regard to an in accurate bankruptcy reporting in my public record information being reported to XXXX XXXX. The process for disputing is either via email or by mail. I emailed a request on XX/XX/XXXX to XXXX requesting the dispute they advised they needed additional information which I provided my address, ssn I never received a response. I sent a additional email on XX/XX/2020 with my information again and never have received a response. I am requesting for this inaccurate information be removed from my public record information and XXXX XXXX credit file immediately for this is violation of my FCRA rights I have disputed as inaccurate the reporting company is neglecting to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX My Barclay XXXX XXXX XXXX Mastercard was charged 4 times for concert tickets from XXXX XXXX XXXX XXXX   totaling {$4900.00}. I did not make these charges- they were the only charges on the card. I was out of town and was injured so came home. I did not realize my backpack with my planner was not with me. I received a bill in XXXX with the charges on it- I called Barclay and was told to dispute it. I did. My mom came to town to help me. She paid off my card not knowing about the dispute. SO Barclay was accidently paid for the disputed charges in XX/XX/XXXX. I requested my money back in XXXX and XXXX Barclay never sent the money back. 

XX/XX/XXXX, I receive a letter stating I am responsible for the 4 fraudlent charges because box office ticket sales knows my personal information. All of the information is on my facebook page, planner or public information. I hire an attorney to help me. I discover the charges were for concert tickets in XXXX and XXXX. I was and still am injured- physically compromised. THEN I get a bill in XXXX reopening my credit card with 3 more of the 4 disputed amounts being charged to me again!! So now I have paid off the disputed amounts and am being charged again for 3 of them totalling {$3900.00}. My attorney can not get Barclay to answer him, I have filed a complaint with NC Department of Justice Attorney General- they can not get Barclay to answer them. They sent me to you. i have spent over 120 hours and countless avenues trying to get this resolved. barclay does not see their rebilling error and has denied me any help with the fraud or dispute case. I have spoken to their manager, collections attorney, investagtion department all without any assistance.It takes over 3 hours to get anyone on the phone XXXX XXXX XXXX. HELP ME PLEASE!!!!!!!! I am out $ XXXX for annual fee and am being asked to pay for rebilling error of {$3900.00}!!!! 

I have contacted XXXX XXXX XXXX XXXX and they were paid for 4 charges not 7. They stated the tickets were not used. So barclay has not paid the merchant for their rebilling error!!!

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: USCB, Inc.
State: NM

Complaint narrative:
In XXXX I had 2 accounts placed in collections with Revsolve. These accounts were taken off my credit report sometime in XXXX. I believe it is these same accounts that showed back up on my credit report one for {$380.00} and one for {$180.00} with an opened date of XX/XX/XXXX. If this is not the same accounts this is fraudulent and do not belong to me. If these are the same collections from XXXX the opened date should not be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TN

Complaint narrative:
The account 's where removed but put back on by other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Upon receipt of my Annual Escrow Account Disclosure Statement, on or about XX/XX/2020, I discovered an anomaly. Although I made my XX/XX/2020 mortgage and escrow payment, the escrow portion of the payment XXXX {$1400.00} XXXX did not appear in my escrow account. 
My husband called UWM in XXXX and they were unable to provide an explanation of where the missing {$1400.00} went or why it was not applied to our escrow account. He was told they would look into it and call us back. We never received a call back or anything in writing from UWM providing an explanation. Today, my husband tried calling UWM multiple times to address this issue. He was hung up on several times after entering or providing our loan number. He was eventually able to speak to a person and explain the problem. The customer service agent was unable to assist and when my husband asked to speak to a supervisor, he was hung up on once again.He was in the room with me and I overheard this conversation. 
I attempted to go on to my UWM account online to see if I could determine what may have happened and obtain a copy of the XXXX and XX/XX/2020 statements. My account log-in information is no longer valid. I put in my loan number to try to enter the system another way and was given an error message that they are having problems locating my loan. Apparently, once they transferred the loan, they no longer give access to their system to be able to see statements from just a couple of months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX DSP XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX DSP XX/XX/XXXX VER XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: KY

Complaint narrative:
Disputing amounts for a credit card that was opened back in XXXX. US Bank is still reporting information incorrectly on credit report. Resolved debt and still has not taken action to delete. 

Last date reported activity : XX/XX/XXXX Amount : {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express sent me to collections when I opened a dispute over a returned door. A year later they reopen my account. Add new finance and late charges. Then a few months later resend it to collections. Running up my bill. 
Making a payment on my XXXX business card ( AMEX ) @ XXXX was impossible. They can pull up much personal account but never able to put payment on business card when at the store. AmEx turned this over to collections in XXXX and referred me to them when I tried making my payment. 
I had purchased a door, returned it on XX/XX/XXXX and have the receipt. A few weeks later I asked about my account, a lady looked it up and informed me there was {$0.00} owed. So I thought it was paid off. Maybe she had my other account? Come to find out the associate put the refund on a store card ( gift card ) not on my American Express. When I found the receipt showing my return I saw it was to a gift card. I emailed lowes and opened a dispute with American Express when XXXX never responded. AMERICAN EXPRESS said account closed cant accept payment due to collections. Paid collection XXXX, Amex reopened and sent to collections again. This time a different company in XXXX. AMERICAN EXPRESS wont give me name of original collection agency. Service rep at American Express could not tell me why it was re open. They also could not tell me why there are new interests are for this period nor did they tell me to why there are new late fees and derogatory marks on my credit every month for an account that has been closed for 2 years and turn over to in credit agency twice. This is fraud on behalf of American Express. They had in XXXX and XXXX sent me to the collection agency to make payments instead of taking my payment. Now they have tripled what I owe and sent it to collections again. 
They got paid by the collection agency. Now they want payment again?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
There is something showing on my credit file and I truly don't know what it's for. I am a XXXX and believe it may be something mixed up with my father. I wasn't in the hospital or needed medical treatment in 2018 so not sure what this is. I disputed with the bureaus and they just say verified. WHAT IS THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 Comenity Bank contacted numerous family members that are not authorized by me about my debt to them. Information was given to them about my account such as, what is due, when the last payment was made, etc. The family members were asked if they were me ( the account holder ) and verified that they were not. 

When I contacted Comenity Bank back to have this dealt with the same person that called verified that he did speak to those people and claims to not given that information to them, but when family members I do not speak to tell me information that they would not have known would tell me a different story. After speaking and telling the individual that I do not want my information given to anyone other than me and that those people have no right knowing those things, he wanted to yell and speak to me in a horrible manner. I then hung the phone up because I do not want to spoken to in that way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX DSP XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX DSP XX/XX/XXXX VER XX/XX/XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX XXXX XX/XX/XXXX VER XX/XX/XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I contacted Lakeview Loan Servicing LLC to add an insurance policy from XXXX to be paid through my Escrow account. I originally was told to have the insurance company bill my Mortgage company and I received no update. I was then told to upload my insurance documents, which I did and still received no response from Lakeview. 

I contacted Lakeview today XX/XX/2020 at XXXX am and spoke with someone by the name of XXXX in the Escrow department, he said I reached the wrong department and that I need to speak with the Insurance department. I was transferred to the Insurance department and spoke to XXXX, who told me I reached the wrong department and needed to speak with the escrow department. I told her the escrow department told me I needed to speak with insurance. She stated my account type needed to be changed from non-escrow to an escrow account for the insurance payments to be made. My escrow balance is {$1000.00} and my insurance policy is {$530.00}. 

XXXX then transferred me back to the escrow department and provided me with phone number XXXX. After waiting over XXXX mins I was hung up on. 

I need to simply change my escrow account from non-escrow to escrow account and to have my insurance premium made from escrow that is suppose to cover my taxes and insurance.

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 2020-07-13 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 to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-13 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 to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
I am sendig this complaint to Bonneville Collections. Account information : Account number XXXX, opened XX/XX/2014, original creditor : Bonneville Collections has been committing violations to my rights as a consumer. They have : - Reaged account - Reported incomplete information This company is being unfair and negligent. 

I have proof of my words. Please send the attached documents to the company involved. 

Thank you.

Company response to consumer: Closed with explanation