vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 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 have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an Experian credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX XXXX XXXX mortgage account # : ( XXXX ) balance : {$XXXX} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX  ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX   XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/XXXX - Contacted Transworld systems prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - Contacted XXXX XXXX  prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company.

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 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance One receivables management is trying to collect payment for medical procedures I received at XXXX hospital after an accident on XX/XX/2019. 
Their written communications note that not paying will be reported to credit agencies and will impact my credit. 
Each bill they try to collect is given a separate account number. Each account number requires a separate account ( login, password ) on their website at allainceoneinc.com. This is not clear on the website, which means they will call you noting you owe them money, but there is no way to learn this/pay on the website using the account you previously sent up. You need to set up another ( and another, pending number of bills ). 
When I tried to pay a bill ( after setting up a new account ), my credit card told me the payment was rejected ( presumably bc they have been flagged as suspicious/fraudulent ). However, in spite of having my email address and consenting to receive communications, I never received an email that this payment did not go through. The implication is that they can continue to claim I haven't paid yet not notifying me of the payment failure. 
There is a notification in my profile on their site, but this is disingenuous bc it assumes that I give a XXXX about their site and will ever visit it again. They took my email address and should use it for exactly this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alpha Recovery Corp
State: FL

Complaint narrative:
While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
this person don't live here this is not his address don't know the person stop sending these letters to my address they will go straight in the garbage being that the post office wont return the letter with out a stamp being place on it stop your spam letters to my house you keep sending these bull collections to my house stop the XXXX or be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX  has NO OPTIONS is NOT XXXX XXXX  FOR XXXX. see attactched corrected report # XXXX for XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX accessibility. WHY AM I UNABLE TO HAVE ACCESS? Why is the law for banks not followed? see attatched ID THEFT REPORT XXXX sent to XXXX  previously and denied? Why? Kindly note USAA & XXXX  XXXX  PROVIDED NO ACCESS TO RESOLVE FRAUD. XXXX Provides NO ACCESS. see attatched DELIVERIES NOT MADE CRIM8NAL INVESTIGATION LETTER XX/XX/XXXX. PLEASE PROVIDE WRITTEN PROOF PURCHASES WERE MADE BY ME. PLEASE SEND WRITTEN PROOF THESE TRANSACTIONS WERE DELIVERED INTO MY HAND FOR VERIFICATION OF DEBT. ADA WCAG-21 Section 508 BANKS MUST GIVE EQUAL TREATMENT TO ALL WITHOUT OR ** WITH XXXX and ** XX/XX/XXXX ( " effective communication rule Title I & Title II of Americans Disability Act MAKE IT MANDATORY EQUAL ACCESS TO ALL COMMUNICATION ** MEET THE XXXX PERSONS NEEDS ) as ADA. Little man in blue ACCESS International Sign of ACCESSIBILITY. Banks and Credit Reporting Agencies NEED TO BE LEGAL. I NEED ASSISTANCE I HAVE PROFOND XXXX  XXXX XXXX  XXXX. What are XXXX   Special Needs Options? Why does XXXX  not follow the law? Why do they not make banks follow the law?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, XXXX  ( twice ), XXXX, XXXX, Wakefield Associates, a collection agency, thus far all reported negative entries on my credit report for non-payment of {$330.00} service date XX/XX/XXXX on behalf of XXXX XXXX ( XXXX ) XXXX, formerly XXXX XXXX XXXX. I contacted on XX/XX/XXXX XXXX, who had the wrong address and phone number for my account, therefore, none of the correspondence was ever received. They should have known this when the mail was returned and I was not at that phone number. When I received a credit alert for this on XX/XX/XXXX, I immediately contacted XXXX ( XXXX ) XXXX for an invoice copy, and they stated that they would put a temporary insurance hold for collections ; however, this obviously did not happen. My insurance completed the claim with a {$50.00} balance, which I have since paid. I have a copy of the statement and {$50.00} receipt and would appreciate my credit report be updated to expunge all of this item from my report. The collections agency, Wakefield Associates, advised that they could not do this. 
I can be reached at ( XXXX ) XXXX or XXXX. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: NJ

Complaint narrative:
Used ultimate rewards program to purchase flight. In light of travel ban, need to cancel flight, but unable to cancel through Banks online system and required to call in. When call in, can not reach a representative ( have been on hold for over 3 hours at times ) ; have tried multiple times. Have reached out on XXXX and banks support XXXX  feed is filled with stories of waiting 6, 7, even 8 hours without success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, XXXX, and Experian.

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 2020-03-14 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 PULLED A XXXX  CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX ( XX/XX/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 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I open My Student Account with US Bank as I'm XXXX-XXXX   Student at XXXX XXXX College in the City Of XXXX. Today Saturday XX/XX/XXXX I'm In Receiving a Letter dated XX/XX/XXXX stating that the financial Institution is closing my account effective XX/XX/XXXX Which means 4 days from the today when I had received the letter. I went into the branch on XXXX in the City of XXXX and spoke to the Teller " XXXX '' which she stated that the normal protocol of the bank is 30 days from the date the customer received the notification. I Had to Maintain a Good ethical relationship with the bank for the past 4 years and I'm XXXX Years old senior XXXX  citizen and I'm confused of their motive.

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 2020-03-14 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: MD

Complaint narrative:
I am on XXXX XXXX orders with the XXXX XXXX. On XXXX XXXX, I booked a hotel through Chase Rewards Travel, itinerary XXXX, for XXXX ( {$150.00} ), for my significant other to attend my XXXX graduation at XXXX XXXX  XXXX, XXXX ( XXXX ), on XXXX XXXX. On XXXX XXXX, I learned that all travel to or from XXXX was prohibited by my commanding officer, which will prevent me or my significant other from using the hotel reservation. The commanding officer 's letter is attached. I would like to cancel my reservation. Unfortunately, I have attempted to contact Chase travel more than a dozen times between XXXX XXXX, always unsuccessfully. I have never reached a person before the automated system hung up on me. I have called and XXXX   Chase support, but have been told there is no recourse besides contacting travel -- which, again, I have been unable to do. I have paid for annual travel protections with Chase, but Chase is not honoring my payment for these protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 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: GA

Complaint narrative:
- Sunday, XX/XX/2020 I exited the XXXX XXXX in New York around XXXX XXXX. 
- A gentleman driving a pedicab offered a ride. I asked the price and he said, {$5.00} per minute. I told him I was going to XXXX  XXXX and asked how much time that should take and what the price would be. He said, That will take about 6 or 7 minutesso it will cost around {$35.00} I agreed to that price. 
- When we arrived at XXXX  XXXX the driver said, I am sorry it took a little longer than I quoted you ; it took around 8 and a half minutes. So the charge will be just under {$45.00}. But here is my business card. If you will call me when your dinner at XXXX  XXXX is through, I will pick you up and take you back to your hotel for free for the discrepancy in price. I was given no invoice and was told it would come through XXXX via email. 
- About an hour later the receipt came via email with a charge of {$380.00} for the 8 minute ride instead of the agreed-upon amount of under {$45.00}. My signature is NOT on the receipt. I immediately pulled out the pedicab drivers card and sent him a text alerting him to the incorrect amount. I got no response. 
- I contacted Chase and they said it did not constitute fraud b/c I had intended to pay an amount ... just not the high amount they charged. They said that they have seen this scam many times. The driver apparently inserts the card into a XXXX  device that he has on his person ( and not the one for the pedicab ) and squiggles something in the signature line and charges a fraudulent amount. Chase acknowledged that it was a scam, but refused to take the charge off my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 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: GA

Complaint narrative:
I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for XXXX XXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a TransUnion Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.

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 2020-03-14 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: CA

Complaint narrative:
I RECENTLY PULLED A XXXX  CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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 PULLED A EXPERIAN CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX XXXX ( XX/XX/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 2020-03-14 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Someone within the bureaus has gone into my accounts and changed the status from paid to closed without my consent. I have not sent a letter stating to close an account that was paid. no one would or could unless it is the consumer. I have my account status from the national student loan database that reflects the status of all of my accounts with correct dates and amounts. THEY ALL SHOW " PAID ''

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