vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 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: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  submitted a delinquent account on my credit score which dropped my score 101 points. I contacted them to see why they did this to find out they thought i didn't turn in equipment. I let them know i did an the location i turned it into. They submitted a request to find. Said equipment they later found me not guilty of delinquent payments. On equipment an removed the charge on the account with them putting the amount at owed {$0.00} dollars paid. The issue is they didnt remove. The collection of my credit score. That they wrongfully submitted instead the submitted it on my credit score as paid down to {$0.00} dollars due to national disaster. I never had a national disaster. An i never owed them anything. So they need to remove the collection off my credit history. As a mistake on there part. Completely as wrongfully submitted. So i can get my 101 points put back on my credit score. Cause as long as its showing i had something in collections. It will negatively affect my score. XXXX XXXX XXXX is listed as : CBE group on my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TX

Complaint narrative:
I have reported on multiple occasions to Transunion and XXXX XXXX XXXX by writing letters disputing the inquiry being reported that I never authorized. I have had identity theft in the past which I included in my dispute letter. This inquiry from. XX/XX/2019 needs to be validated and proof that I authorized this inquiry needs to be provided otherwise it needs to be removed from my credit report immediately!

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 2021-01-10 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:
I am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : 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 2021-01-10 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: CA

Complaint narrative:
I had the loan for several years they directly told me they do not report to the credit bureaus which I relied upon in agreeing to purchase vehicle. Last years 2020 due to COVID 19 pandemic work reduction I contacted them and let agreed to be on a Covid extension of payments that once again I was told they don't report to credit bureau and they would not do so. I am purchasing a home this month and without any disclosure they reported I was 60 days late twice last month on the credit bureau for the first time. This drastically hurt my credit right while purchasing. I reached out just three weeks ago when I made a payment and they assured me they never report credit. This has caused me financial harm to my current home purchase this month and was not what was explicitly to to me both via phone and in-person. They must remove this from my credit ASAP and follow the law.

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 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Apparently I have always had this issue about someone XXXX for me or someone acting like they're managing my account or anything that overview and my Social Security anything with my information which is probably my my my family my parents and they're not allowed to do this and I had an issue with this and I still have an issue with this and the other thing is that people are made using my social

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CA

Complaint narrative:
It has been about 30 days now since I contacted this bureau and they still have not corrected the derogatory mark on my account. 
This is ridiculous. 
This needs to be fixed. 
These companies are taking their time on this and all I want to do is move on from 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 2021-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American express I have informed them that i didnt apply with them for a credit card an nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The recipient ( fraudster ) declare they are kind of debt company and offer the service that they can negotiate with the credit card company ( XXXX XXXX ) to bring down the credit balance. First they ask me for my credit card information and personal information which include online banking username and password because they says that they have to have the information to negotiate with XXXX XXXX. They use my account and make XXXX and wire transfer without my permission and declare that those are the payment for the service. After the XXXX XXXX and first wire {$10000.00} was taken out the wells fargo bank account.They do log in my account ( which XXXX XXXX may have the log in information and IP address for the fraudster. ) And they paid {$11000.00} by XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. They wire out rest XXXX and make the same action for amount XXXX. The payments was showed successfully so I didnt report to the police ( when they make payments they will be a time difference when the payments go through ). 
I had called wells fargo and report the situation but they just keep transfer me here and there and let me wait for almost a month. The money was gone for a month and they just keep ignoring me. I cant even know whats the status.

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 2021-01-10 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:
It has been about 30 days now since I contacted this bureau and they still have not corrected the derogatory mark on my account. 
This is ridiculous. 
This needs to be fixed. 
These companies are taking their time on this and all I want to do is move on from 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 2021-01-10 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: DISCOVER BANK
State: PA

Complaint narrative:
I have had an issue with XXXX grocery home delivery charging {$12.00} monthly to my Discover a card, for a service Id never signed up for nor currently use. I did a trial offer for this service ( 30 days free ) about 9 mos ago. Tried the service for free, due to covid restrictions with going out in public at that time, Did not like the service. Cancelled. I still am being charged this {$12.00} monthly fee. Id contacted XXXX twice. Supposedly can not see my being signed up this grocery home delivery service on their end. Doubting this. Contacted Discover Card twice to dispute and stop this recurring monthly {$12.00} charge. Also for my receiving monthly credits for any prior charges I had not authorized. Was assured they would address this on their end. Yet I still am being charged by XXXX. Have a pending XXXX home grocery delivery {$12.00} charge today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Stated theres nothing they can do the company said I owed this amount. Credit card was only XXXX how its XXXX they said nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
I disputed and they come back is correct nothing in writing has ever been received. This debt is definitely not correct. I keep saying I owe just not the XXXX nobody has provide a breakdown of amount my original signature or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So today XX/XX/XXXX I was texting a sugar momma and she said she would send XXXX to me through XX/XX/XXXX she said that theyre was a clearance to pay almost XXXX I gave her the money through my XX/XX/XXXX chase account and she didnt give me the XXXX and took my XXXX. She first asked for XXXX and took XXXX. She went into my XX/XX/XXXX and removed my account completely she said I had to pay another XXXX for a voucher which I had no reason too and I begged for my money back she said she needs my ID to deposit money to me Which was unnecessary. She was saying that I shouldve gotten emails from XX/XX/XXXX when I checked theyre were FAKE emails. The XX/XX/XXXX email I gave the money to was XXXX. The email I got was forwarded to me from XXXX. The fake XXXX account username is XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: NY

Complaint narrative:
In accurate reporting on my credit report

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 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Both reporting agencies have been made aware that my identity have been compromised years in advance to these collection agencies reporting inaccurate or fraudulent accounts generated in my name. I have been disputing these accounts such as XXXX XXXX XXXX which is being sold from debt collector to debt collector. I have made the reporting agencies aware of these fraudulent accounts by disputing each and everyone of these accounts through XXXX XXXX however the reporting agencies are continuing to report these accounts case in point original XXXX XXXX XXXX XXXX continuing to sell off an account that was not created by myself. This is not only affecting my credit score in its entirity but its affecting my lively hood and my ability to operate efficiently in the present econmy. This is emostional damaging me. Reporting agencies are extreamly difficult to contact via telephone due to the current pandemic please help me to resolve this matter by having the Reporting agencies immediately remove the following fraudulent accounts which are as follow, XXXX XXXXy balance showing {$1300.00}, XXXX XXXX XXXX which is showing a balance of XXXX, XXXX XXXX XXXX which is showing a balance of XXXX and this recent account which is another collection agency trying to collect for an account from XXXX XXXX XXXX which is not an account that was opened by myself. I also would appreciate if the Bureau would encourage the reporting agencies to do extensive investigating before reporting any accounts on my credit profile which may not be accurate due to fraudulent dealings thank 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 explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
Never received a call back after calling the number on credit report. This debt is from XXXX I have insurance and the secondary covered what my insurance XXXX didnt cover so Im not sure why Im being billed for amounts insurance already covered there agreed upon amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Service on XXXX. Was transferred from XXXX XXXX XXXX XXXX Michigan to XXXX XXXX XXXX in XXXX Michigan. Received a bill from ambulance  provider I called them to notify them that after contacting XXXX  the bill was to be paid through the hospital. I have not heard nothing from either party until I checked my credit score to find out the EMT  company opened some credit card on XXXX without notifying me the situation hasnt been resolved. Now the M & M credit company put it into collections. Ive never received nothing from any parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Advertised promotion for signing up for the new card included waiving the {$95.00} annual fee ( see screenshots taken at time I signed up for the card ). The fee was charged anyway. I contacted American Express on XX/XX/XXXX via phone XXXX ticket number they gave me was Ticket XXXX XXXX to request they refund the charge and was told they could submit a ticket but the person I spoke with could not refund the charge. They have not to date XXXX XX/XX/XXXX ) refunded the charge. All billing statement are attached since the time that I opened the card in XXXX, showing the annual fee charged on XX/XX/2020 ( the first charge on the card and is shown on the XX/XX/XXXX statement attached ). 

The advertisement ( see screenshot taken immediately before applying for the card ) clearly states there is a {$0.00} annual fee the first year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: NY

Complaint narrative:
In accurate reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: NY

Complaint narrative:
In accurate reporting on my credit report

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 2021-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On my Bank of America Spirit ( airline ) credit card I setup auto pay to pay. In XXXX I got an alert on my phone that I had a balance of {$68.00}. I had made no purchases on the card so I called customer service. At that time I was told the charge was for the annual fee. Having had setup auto pay I was confident it would get paid. When I went online to check the account on XX/XX/21 I found that was closed with a XXXX balance. Confused I called customer service to find out what happened. I was told that once my account goes to a XX/XX/XXXXbalance that auto pay is turned off. Once auto pay was off the annual fee never got paid and once I was 3 months delinquent the account is closed. 
So, to review since my account had a XXXX  balance Bank of America took control of my payment method and canceled auto pay. Then charged the card the annual fee without my knowledge. Three months later they contacted me to pay {$68.00} which I did but they neglected to mention my account was delinquent and was being closed. Then they reported the delinquent account to the credit bureaus and negatively affected my credit rating and caused decline when I applied for another credit card. 
Cancelling auto pay is totally wrong especially with no notification. I feel its a way for Bank of America to collect more late fees and charge higher interest rates to generate more revenue.

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 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: MA

Complaint narrative:
I received an unsolicited debit card from MoneyLion, XXXX. I contacted the bank who refused to do anything about it until I provided them with all my personal information ( copy of my driver 's license, copy of my social security card, etc ). They also requested that I file a police report and they wanted me to provide a copy of the report once filed. The debit card would not be canceled until they received all the information requested. Additionally they would not provide any details of when the " bank '' account was opened nor would they provide the " bank '' account number unless I provided all the requested information to them first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have called them to stop he harassment and pay the amount owed with the removal of it saying charge off but it isnt working with them. They want to keen reporting and not have a legitimate way to solve the issue. I have offered to pay them a settlement or full amount am they still refuse to work with 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 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Total Card, Inc.
State: NC

Complaint narrative:
My my credit his my credit report has been compromised they told me that he sent me a letter and everything is on my account on my credit should be there and they have not fix anything and they have not asked in our family anything else besides its in the pin number which doesnt make any sense because my credit still be around when it supposed to be a black Im in a freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I ordered two XXXX watches from the online store express and the watches never arrived. I called express a month after I noticed the watches havent made it and the representative XXXX told me to give it a little time due to the coronavirus delaying mail routes. Another month and a half passed and still no watches. After countless email sent to XX/XX/XXXXXXXX and comenity bank I was told I could not receive a refund and I had to still pay for the good even though I never received them. How is that legal? How is that fair, on top of that they are giving me late payments on the account and I havent even received the items. This is bullying and must be stopped they are taking advantage of me. Please reach out to them and Attorney General.

Company response to consumer: Closed with monetary relief