vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Friday XX/XX/2019, attempted to get a new car loan through my credit union,  was denied because they use Experian as their sole credit provider and Experian showed me as have no credit. I checked with both XXXX and XXXX and they both showed me as have an extensive credit history with good credit ( rated A ). Attempted to contact Experian by telephone, many layer of voice prompts provided little opportunity to talk with a human. After many telephone calls was able to reach a human, but was advised I had no credit history. Explained my credit history with XXXX and XXXX and was transferred to another individual who looked deeper into the problem. After some review by that person a case was opened to attempt to fix the problem. Wednesday XX/XX/19, attempted to contact Experian by telephone to check on the progress of my case. Once again many layers of voice prompts. After more than 45 minutes of transfers and holds reached someone in the " dispute department '' who explained I had no credit history. Got that person to look deeper in the issue and they advised the problem was being researched but could provide a resolution date.

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 2019-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Today ( XXXX ) I was on the phone for the 8th time trying to access my accounts online ( This is a online bank only ) with Synchrony Bank. Yesterday Synchrony Bank was to Make a ticket for IT to contact me. Called back today and their was no record of it. Have made several calls since XXXX and each time get a different excuse. Please help because at this point wondering if they are solvent.

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 2019-10-30 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to Knight Adjustment, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: MT

Complaint narrative:
Check & Go repeatedly calls me and leaves messages, I am NOT a customer of theres, but they leave messages regarding " my upcoming appointments ''. I have called them multiple times, they want date of birth and SSN, repeat, I am NOT a customer! I have called to be removed only to be given other # s to call or websites which both options ask for personal private info. They leave so many messages it fills up my voicemail box. Most recent call was XX/XX/19 @ XXXX XXXX mst. I called only to get the run around again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: MS

Complaint narrative:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of 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 2019-10-30 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: LEXISNEXIS
State: OH

Complaint narrative:
I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

I would like to request a security freeze placed on my report and request a PIN Code.

I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.

Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank Of America continues collection activities and continues sending me monthly statements on an account that was discharged in bankruptcy on XX/XX/2019.

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 2019-10-30 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of 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 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently paid off my credit card balance. Actually OVERPAID by {$170.00} Shortly after paying this balance off chase dropped my credit line from {$20000.00} to {$500.00}. I then cancelled the account. Chase was to send me a check for my overpayment According to chase a check was issued XX/XX/XXXX, as of XX/XX/XXXX I have not received my check. 2 phone calls to customer service  has gotten no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: CO

Complaint narrative:
I keep getting unwanted phone calls from a company that is using a " XXXX XXXX '' tactic. I block one, they call again from another number. I called them back today and they tried to get me to give them all my personal information stating they were trying to collect a debt from a company called XXXX. It looks like The original company has sold a debt that was either old, charged off or mistaken which means the original debt is no longer valid, has been written off on taxes or collected reimbursement through their insurance carrier. I can not locate any information in the form of a " Signed Contract '' wet ink signature stating that I owe any debt to this company or any subsidiary. The collection company has been advised to stop contacting me as they have never sent anything in writing stating my rights to challenge the debt within a 30 day period so therefore they are operating by illegal standards of trying to force me to acknowledge a debt that I do not have. If this debt collection company has purchased this debt from the original creditor, and the original debt was written off then the debt is no longer valid when it comes to anyone. This collection company was asked today via the phone, do you have the original contract, the agent said No we do not have that on file, then how can you prove that I or anyone else owes anything to you. Simply sending a statement is not an obligation to say a debt is valid. This collection company FIRST FINANCIAL ASSET MANAGEMENT with a phone number of XXXX has called me from a XXXX several times and I have asked them to cease and desist with all calls bu they keep calling me and harassing me. I do not have a contract with them, I do not owe this company anything as I never entered into any agreement with this company but yet they keep trying to get me to divulge my personal information to them by simply hiding behind " This is an attempt to collect a debt and information can be used to do so '' tactic. Any further attempt to call me or write me will be considered harassment and will be turned over to the State Attorney Generals office. Any attempt to harm my credit by placing a fraudulent collection on my credit will be met with swift legal action. Any attempt to force me to pay a debt, or settle a debt that is not owed to you by a legal, contractual obligation will be met with complaint after compliant being filed with the CFPB for every attempt that you use to call me from a fake phone number or to send me any illegal letter stating that I owe you something when I do not. A contractual agreement is between two people that acknowledge a financial obligation to pay a debt that is legally owed. I do not KNOW THIS FFAM company and have never dealt with them in any capacity and I want them to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2019-10-30 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: FL

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2019-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank Business Checking account on XX/XX/19. U.S. Bank was running a promotion from XX/XX/19 - XX/XX/19, during which if I opened an account and deposited {$5000.00}, I would receive a {$400.00} bonus within 45 days. I deposited {$5000.00} by XX/XX/19, and as of writing this complaint on XX/XX/19, I have not received the bonus. The banker that opened this account and U.S. Bank have both been unhelpful and misleading. In fact, I was told that I had already met the bonus requirements, only for a banker to tell me that I needed to upgrade my existing checking account, to see if that would " fix '' the bonus. Unbelievable.

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 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I requested by mail a report and score by enclosing a check for {$9.00}. This check was cashed by Trans Union. On XX/XX/2019 I was sent my report with NO SCORE. I called Trans Union on XX/XX/2019 at XXXX and was hung up on three separate times by different representatives while on hold. Each time I called back a different representative took the information over again but could not get me a score I paid for. I felt that I was deliberately getting the run around. 
After all the frustration, I am sending in this complaint. This problem should not happen. Agencies that compiled my data should be accountable for answering my requests for information without me having to contact 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 non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Applied for Apple Credit Card ( Goldman Sachs ) ... was told 2 days later my identity couldn't be verified. Customer support instructed me to re-submit application and make sure info was correct. I did so and the application was under review for over 2 weeks. I reached out to card support once again and was told application was being reviewed. 
That same day ( XX/XX/2019 ) I was approved for account with {$6000.00} limit at 23.79 % interest. 

Today ( XX/XX/2019 ) my account was closed by Goldman Sachs. 
I reached out to card support and they could not give me reason why account was closed. They stated that in my card agreement they reserve the right to close my account at any time. 

Accepting the offer caused a hard inquiry on my credit report. Closing the account has affected my average age of accounts, both negatively affecting my credit score.

I have worked very hard to build my credit score up to XXXX. This is unacceptable to me. 
I have limited credit account history so age of accounts is an important factor. I also have a perfect payment history on all credit accounts and often pay balance in full monthly, and always pay more than minimum payment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I fell for an XXXX scam. The guy convinced me to use XXXX ( which I had never heard of ). When I saw that XXXX was actually integral to my Wells Fargo phone app, I assumed it was legitimate and safe. 


I sent the {$220.00} to the guy, allegedly named XXXX XXXX. " XXXX '' denies receiving the payment and punctuated his denial with an accusation of my " attempted scam ''. He was very smooth, patient, kind until he got the money -- then the fangs suddenly appeared. There is a long communication between us recorded in XXXXXXXX XXXX " messages ''. XXXXXXXX XXXX XXXX user name is " XXXX '' The Wells Fargo / XXXX app confirmed the {$220.00} was sent ( unable to get a screenshot ). Wells Fargo /XXXX does not provide any kind of transaction number. It just says " Payment sent to XXXX XXXX {$220.00} '' nothing more. " XXXX XXXX '' XXXX ID is XXXX I called Wells Fargo and they were unsympathetic, basically telling me I was out of luck. They should be able to verify that the money was received by the payee 's bank, which, combined with the XXXX messages would show that " XXXX '' defrauded me. 
The closest thing I have to documentation is this from my Wells Fargo statement : XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF #  XXXX {$220.00} The XXXX item number is XXXX. After getting my money, he immediately re-listed the item with the same sob story to hook more fish. 


I filed a police report with the XXXX Police Department ( XXXX, Florida ) case number XXXX XXXX XXXX XXXX can do nothing because I paid outside their system, but their record of messages is my only proof of fraud.

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
On XX/XX/2019, Ditech sent me a notice that they had a computer problem and that my payment for XXXX was returned to XXXX XXXX XXXX and to please resubmit the payment. I did so immediately. However they lost the payment and kept saying I was behind and overdue with my monthly payments. I have receive several calls and letters stating such. I called Ditech and explained to them the situation and shared the fact that I have never been late on any payments and was up to date. At their request I had XXXX XXXX XXXX XXXX Ditech proof of payments and XXXX XXXX XXXX manager spoke to them in detail that it was their fault. Finally they got it and said I was correct and that it would be taken care of. It is now the end of XXXX and Ditech still has not corrected the problem and continues to send letters stating that I owe them payments. I have talked to eight different representatives of Ditech and all they do is keep putting off the problem. They are now stating that XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/XXXX. I have proof of payments and XXXX XXXX XXXX has talked to Ditech several times but nothing is being accomplished or resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation