vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
I have had two problems with Experian. I froze my credit as I was impacted by the XXXX breech. Their website that allows for removal of the freeze did not work for a month. I finally gave up and removed the freeze by mail which took another 2 months. This week starting on XX/XX/XXXX I attempted to dispute an erroneous {$95.00} collection from a collection agency for XXXX XXXX that appeared on my report on XX/XX/XXXX that was incorrect as it appeared 2 years after we moved without a single correspondence from XXXX XXXX who had our forwarding address. It turns out that we received a refund check for {$95.00} for overpayment of a gas bill in XXXX of XXXX. Someone at XXXX XXXX erroneously billed us for the same {$95.00} in XXXX of XXXX. I am in process of receiving the documentation from XXXX XXXX. I registered a dispute with XXXX and XXXX with their online website without a problem. Experians dispute center has been down for 4 days and you cant get to them by phone. This issue has trashed my XXXX credit score and Experian Is standing in the way of a mortgage approval. This is a terribly run company. Why have they not been shuttered given the millions of complaints against them. I am a XXXX on a Bank in XXXX and the Federal Reserve and the FDIC would have removed management and the Board if we had this number of consumer complaints. Please do what right and hold this company responsible for its terrible record in serving the public.

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-05-02 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:
To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my XXXX XXXX card they had no problem with it but told me experian put a credit card freeze or fraud alert past few days i been trying to call experian for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want experian to take off anything they have frozen on my account and confirm that with me and XXXX XXXX as soon as possible. I'm look at experian online and they have all my numbers and everything. XXXX XXXX is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.

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 2020-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I recently applied for a credit line and was denied due to a recent collections. I pulled up XXXX XXXX and a new collection was added from a company called Jefferson Capital System this dent is showing opened in XXXX XXXX The original creditor for this listing is XXXX XXXX  XXXX. The loan from XXXX XXXX was prior to XX/XX/XXXX which is 6 years ago and has no payments made on it since XX/XX/XXXX. This debt was illegally re-aged and has harmed me. It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: DE

Complaint narrative:
In XX/XX/2019, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX.Transunion did their investigation and then XXXX XXXX   was removed. A few weeks later, Transunion reinserted the fraudulent account by XXXX XXXX  without notifying me within the required 5 business days of reinserting by the FCRA. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Transunion has used an EOscar menthod of investigation without and true explanation of why they reinserted the account, nor any written proof from XXXX XXXX  that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received to documents that by law, I am entitled to. Transunion is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Transunion as well as XXXX 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 2020-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/2020, Bank of America reversed the transaction {$76.00} which XXXX had charged me for purchasing some items in the past ; but later I returned them the items and still have the return receipt as evidence until now but XXXX didn't refund me back my due of {$76.00} even after returning their products back to them. I deserve the refund back to my original credit card payment method which I used to pay for the products which I didn't keep but returned back to XXXX for the {$76.00} refund.

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 2020-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have opened citi bank checking and savings account on XX/XX/2019 expecting the bonus of XXXX $ + XXXX $ account opening bonus. I have met the bonus criteria and i have been repeatedly told by citi customer care team that I am eligible for bonus and will receive the bonus in 90 days from XX/XX/XXXX. I kept my money in their account in hope of receiving the same. After waiting for more than 90 days from XX/XX/2019, I didnt receive the bonus. So i ended up calling the customer care and opened a dispute case with them. While opening the dispute case also, citi bank representative assured that I will receive the bonus in 20 business days. But today dispute has been finished and they are mentioning that i initially funded my account with " Citi Global transfer '', which I didnt. They coded the initial accoutn opening transfer I have done as Citi global transfer. I didn't had any other citi bank checking account ever in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: PA

Complaint narrative:
Equifax is blatantly not following the law and causing injury to me and my life. I have disputed the same address and account several times. The company keeps sending me dispute results saying that an address that is not mines is deleted from my credit report and on the SAME EXACT LETTER it shows its still on my report!!!!!! Under law I request a updated copy of my credit report with the address deleted and it still on my credit report!!!!! I have an email from the company stating that they did not report my loan late and they have corrected the information with Equifax for XXXX however EQUIFAX still reports it late!!!!!!!!!! No other credit bureas is reporting this information. This is so sad because its a national pandemic COVID 19 and I have to be abused by this big company who clearly has no regard for the law or what they are doing. How can you keep sending letters saying something is deleted but on the same letter have it on your report!!!!!!! I will write CFPB every second day until this is fixed!!!!!!!! ALSO THEY KEEP SAYING THEY DONT HAVE MY IDENTITY DOCUMENTS BUt I send it with every dispute!!!! Please somebody do something about EQUIFAX!!!! Im also forwarding all of this to my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my american express card they had no problem with it but told me XXXX put a credit card freeze or fraud alert past few days i been trying to call XXXX   for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want XXXX  to take off anything they have frozen on my account and confirm that with me and american express as soon as possible. I'm look at XXXX  online and they have all my numbers and everything. American express is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: OR

Complaint narrative:
Company sent me a collections notice. I requested debt validation. Company failed to provide ANY validation yet have continued to attempt to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: TX

Complaint narrative:
ftc violations sent to FTC also violations attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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:
ftc violations sent to FTC also violations attached

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 2020-05-02 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:
ftc violations sent to FTC also violations attached

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 2020-05-02 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I paid the company in full. Ive tried talking on the phone and disputing it at all 3 credit bureaus. It still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
I had purchased this card almost a week ago I have been on hold out of all this time Ive called 10 hours total. there website does not function correctly so I cant use that. And my emails have done nothing they are basically holding my money hostage. Its a my vanilla card So I have been unable to set it up do to there flawed system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have spent this year focused on improving my credit score and fixing my finances. I paid off all my debts owed and have been focused on being a responsible consumer. This hard work is met with a lot of frustration as I feel I do my part but a company like equifax doesn't have to do theres. I paid off two derogatory remarks that were showing on my XXXX  report and one showing up on equifax. I paid this debt off probably 4 months ago that is still showing up on my equifax report. The transunion report is showing them removed and my credit score is increasing. But equifax doesnt seem to care to update this info and I have been attempting to increase my credit accounts to again increase my score. But I apply for new cards and the equifax report is still showing that debt and is preventing me from moving on. I have been furious over this as equifax doesn't seem to care when I reach out to them and doesn't even respond back. I email XXXX XXXX  as well and nothing. I asked XXXX XXXX  and they just send me a generic link about credit scores. I need help, I did my part and paid the debts now I need equifax to do there's and promptly remove the debt and actually update my score. I feel controlled by these big compoanies and feel like its not right for me to do my part but equifax not have to hold up there end by updating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have reached out to this company via their website twice over the last month and attempted to leave a message at XXXX ( the number listed on their website ). The number never rings and the voicemail is always full. 

I have talked to several other lenders and they said my loan servicer would be able to process my FHA streamline without the fees they have to charge. That would be awesome to avoid unnecessary fees if this FHA servicer ever replied.

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 2020-05-02 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: OH

Complaint narrative:
XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY TRANSUNION TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH TRANSUNION I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH TRANSUNION THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.

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 2020-05-02 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: OH

Complaint narrative:
XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY EXPERIAN TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH XXXX  I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH EXPERIAN THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.

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 2020-05-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint is about my JPMorgan Chase Freedom Credit Card. I applied to Chase bank on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my XXXX  and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the Chase Freedom Card on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. 

XXXX Inquiry details Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 

Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 

Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 


XXXX  JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I paid this debt off while trying to buy a home, and now it is being reported on the other two credit bureaus. This is causing me economic harm. Please stop reporting this.

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 2020-05-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My complaint is regarding WF CRD SVC, Institution Information WF CRD SVC XXXX XXXX, IA XXXX They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. 

Personal statement ( s ) XXXX  & XXXX-19 XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX-19.

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