vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: TX

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. XXXX  XXXX {$4800.00}

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA forces consumers into their Pay-Ahead Program at the sole discretion of USAA. When I paid more than the minimum due USAA applied the overpayment to future minimum payments due, thus giving me a balance of {$0.00} on statements. No where on the statement does it indicate that the Pay-Ahead Program is applied or not. I called USAA to opt-out of the program and the representative said they weren't able to do so. I also tried to set-up automatic payments for the minimum due and was told that was also unavailable. The result is that if you overpay the minimum due then you will receive {$0.00} due statements for months which led me to believe it was part of the promotional program where 0 % APR until XX/XX/2021. I was enticed to believe my payments were {$0.00}. Furthermore, the overpayment wasn't applied to principal with an interest charge. I was not told I was in the Pay Ahead Program, I did not ask for it, and when I called the number to opt-out they couldn't do it. Below is language from the USAA agreement. 


Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( 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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
The comanpy Wakefield & Associates, keeps harrassing me for a payment that was already settled, to my knowledge and proof, by our debt consolidation company. 

Date of origination listed on the account is XX/XX/2018. The amount they are requesting be paid is {$55.00}. 

I have a Paid in full letter from their website. Also a paid in full letter from our debt consolidation company. 

I have requested a letter showing what the original creditor is and the original paperwork from what this charge is from and they have failed to send multiple times. 

I have submitted serval disputes on there website, all of which go un responded to. 

I have pulled full credit report twice and this charge/collection is nowhere to be found on any accounts or any collection accounts on my full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX statement. Kindly Note Merchants credited {$120.00} XXXX XXXX {$210.00} XXXX total {$340.00}. Balance left {$470.00}. See attatched FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD. see XX/XX/XXXX statement. NO USAA CREDITS. XX/XX/XXXX USAA REVERSED {$210.00} XX/XX/XXXX not usaa credits. See statement. NO USAA CREDITS. These are merchants credits. See attatched XX/XX/XXXX FRAUD FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD see XX/XX/XXXX Statement. NO USAA CREDITS USAA REVERSED {$120.00} XX/XX/XXXX XXXX XXXX CREDITS. These were merchants NOT USAAs. See attatched REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY FOUND ( USAA **STEALS MERCHANTS CREDITS ** CLAIMING THEY ARE USAA CREDITS. ) USAA REVERSED THOUSANDS OF MERCHANT CREDITS ON THIS ACCOUNT THEY CLAIM NO FRAUD OCCURRED and USAA OPENED THIS ACCOUNT VISA XXXX ** WITHOUT MY KNOWLEDGE OR PERMISSION. FTC ID Theft case XXXX. USAA COMMITS ID THEFT USING MY OLD SECURE DATA FROM MC end XXXX NEVER CLOSED XX/XX/XXXX DEBT DISCHARGED. 1099-C DOCUMENTATION. upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-06-17 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-06-17 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 because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX called to ask for payment federal for covid 19. Let them know i needed for XXXX as I had made a payment that day for XXXX. Was informed no late fee. Late fee was added and they reported me as over the limit to credit reporting agencies. They refuse to fix their error. Spoke with XXXX rep XXXX who refused to fix their wrong reporting. They are discriminating against their card holders who need help by knowingly reporting inaccurate information caused by their error. They chose to do this even with recorded calls proving their error bc I told them I was impacted by covid19

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: LoanCare, LLC
State: FL

Complaint narrative:
I have my loan with XXXX -XXXX XXXX XXXX  , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX tranfer my loan to the company Loan Care, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But Loan Care Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call Loan Care and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

Thanks. 
XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-06-17 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 because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-06-17 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 XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
Hello, My name is " XXXX XXXX ". I have been trying to report inaccurate items in my credit report over past year and more often recently. However, none of my request are fulfilled. 
**Hard inquiries** _XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX This charge off account is not mine, Please delete it!! 
_ XXXX XXXX Inquiry : XX/XX/XXXX I have never receive any credit from this company, provide me full document or delete it!!! 
_XXXX XXXX XXXX  Inquiry : XX/XX/XXXX This charge off account is unauthorized and date furnisher provided has violated Metro 2 reporting compliance by not reporting dispute status and incorrect and inconsistent Account Number. Provide me full document. I demand report of full reinvestigation procedure in the regulation time frame of 30 days. 
_XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THIS ISN'T MINE, DELETE IT!!! 
_XXXX XXXX  XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING dispute status. 
_XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is mine, DELETE IT!! 1 _XXXX/XXXX  Inquiry : XX/XX/XXXX THIS CHARGE OFF ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
_XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it!!! 
_XXXX/XXXX  XXXX XXXX Inquiry : XX/XX/XXXX I have never worked with this company, this account are inaccurate, delete it!!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to be, i never receipt any credit from this company, DELETE IT!!! 
_XXXX/XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it!!! 
_XXXX  XXXX  XXXX  Inquiry : XX/XX/XXXX This account is not mine, There are several account like this in my credit report. The credit bureau might intentionally put them in my report. 
_XXXX  XXXX XXXX  : XX/XX/XXXX This charge off account is not mine, provide me full documentation proofs that i am wrong or delete immediately!!! 
_TRANS UNION RENTAL SCREE Inquiry : XX/XX/XXXX This account is not mine, DELETE IT!!! 
**Collection** _XXXX  XXXX  XXXX  Reported : XX/XX/XXXX I never received any loans or credit from this company. DELETE IT!!! 
_XXXX  XXXX XXXX XXXX  : XX/XX/XXXX I never received any loans or credit from this company. Delete it or provide me full information and proofs that you has follow all the FCRA laws. 
_XXXX XXXX XXXX Reported : XX/XX/XXXX THIS ISN'T MINE. DELETE IT!!!

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 2020-06-17 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I purchased a flight on XX/XX/2020 to XXXX from XXXX XXXX. The flight was scheduled for XX/XX/XXXX to XX/XX/XXXX. This was before COVID was on the radar in the US. 

COVID was then declared a world-wide pandemic in the middle of XXXX. I chose to cancel my flight when XXXX offered a flight voucher as compensation for the cancellation. 

I initially tried to purchase a flight using their voucher in XXXX and was given an error message that said " Error : The travel credit that you are attempting to use has no remaining balance available for use ''. I figured the site could be down that day so I tried again a different day I was given the same error message. As of today ( XX/XX/2020 ) I am still unable to use their voucher. 

I initially filed a claim with Chase stating this issue, but Chase sided with the merchant claiming I knew XXXX 's non-refundable cancellation policy. The cancellation policy is not the issue. The issue is that it is literally impossible to use the XXXX voucher. The voucher also EXPIRES at the end of this month ( XX/XX/2020 ). I have tried multiple times now to contact XXXX customer support team and every single phone number on their website says that the number is no longer in service or gives you an error tone. I have sent them an email via their complaint portal and never heard back from a customer service representative. 

XXXX STOLE {$560.00} from me. This is completely unacceptable and I am beyond disappointed in Chase that it was even denied the first time. 

I have exhausted all of my options. I have tried to use the voucher multiple times. I have tried to contact their customer support multiple times. I am at the breaking point where I really need my credit card company to back me on this. 

I would be more than happy to provide additional proof upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO 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 2020-06-17 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 XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}

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 2020-06-17 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 XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}

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 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX  back on XX/XX/XXXX my lender is westlake financial services located XXXX. XXXX  XXXX XXXX XXXX ca XXXX imy monthly payments are {$500.00} my first payment was on XX/XX/XXXX since then I havent made any payment late I being charge 6 late fees {$25.00} all this late fees where accumulated on XX/XX/XXXX I call them on XX/XX/XXXX on XX/XX/XXXX and all I was told its they will escalate this but with out getting it clear or explain what have happened I contacted on XXXX my bank to request a copy of all payments made to westlake financial and there is not a single month that they havent collect the payments I had in made and indeed all payments have been process with out any delay

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