vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update Transunion and XXXX  to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.

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 2021-08-31 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPT VETS - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: MO

Complaint narrative:
The company both calls a number no longer mine but a friend uses and shes told them to stop calling as well as myself. Calls continue to both numbers despite requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to XXXX  and Experian for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing 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 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was involved in a car accident in XXXX XXXX on XXXX XXXX. The car that I was renting was from XXXX and I was charged {$20000.00} to my American Express XXXX card for the price of the car. American Express has car rental insurance so I was assigned a person for the claim. I was informed on the recorded calls in XXXX ( possibly XX/XX/XXXX ) that were that they were backed up in their insurance claims department so that it was taking awhile to process. I expressed to this person that I was worried about the interest fees on my card so they transferred me back over to the customer service side of AMEX. While on the phone with this customer service representative, which was being recorded, I was informed that my interest charges would be waived during the duration of the claim process due to it taking a longer time than usual to process. 

I was then given a new claims representative in XXXX where I was asked for more information. I decided to call American Express in early XXXX to just get rid of my balance while the insurance process was finishing up with Amex & XXXX. I asked American Express to honor getting rid of the interest that they said that they would on the recorded call back in XXXX but they informed me after a month long investigation into that call ( On XX/XX/XXXX ) into that call that they would not honor it and I was given no explanation why. I was told by a representative during my call in early XXXX there there was a note in my file that stated that my insurance claim was processed wrong which delayed the process. I am 100 % positive that the representative said that it would be honored and felt safe because it was a recorded call. I have been with American Express for 7 years and have 2 cards under my name and I never had ONE late payment. I asked them was there anyway that I could get that call for myself to listen to but was denied. I'm sure the representative did not think that the claim would take as long as it did to process but that is of no fault to me and that promise shouldn't have been made if it could not have been upheld. I am asking that American Express reimburse me {$2600.00} of interest accrued that was promised of me from the customer service representative on our recorded call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Currently there is a open and closed account reporting on my credit file with OneMain Financial partial account number XXXX and XXXX, I have requested the late activity on the accounts be corrected and updated on my credit report due to me being affected by the Covid-19 pandemic and the creditor agreed to do such. At this time the matter as agreed has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: VA

Complaint narrative:
I booked a trip through XXXX XXXX  that was advertised as a stay in the XXXX tower within XXXX resort in the XXXX from XXXX XXXX. Upon arrival we were given a room in the XXXX tower which is cheaper and lower quality. I reached out to the organizer on XX/XX/XXXX and they have yet to respond. I contacted Chase on XX/XX/31 to file a claim. They refused to take the claim stating that I accepted the goods therefore the companies policies would be in effect. XXXX published policy said it was non-refundable and was silent to providing an inferior product. With that being the only disclosure provided feel that Reg-e should still apply. A reasonable consumer would not know to refuse possession. Additionally I have asked for a copy of my CC disclosure as it is not easy to locate on their website or when signed into my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
I submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

Transunion - XXXX  XX/XX/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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hawes Klein LLC
State: TN

Complaint narrative:
This not my account I asked repeatedly for proof regarding this account the complete profile where the signature was provided not a statement I want to know who signed for this account it's been years XXXX  is not investigating the claims associated with the collection on the account I asked the debt buyer for proof of signature who signed for the account nothing has been provided this has been going on for years either provide the proof or remove it

Company response to consumer: Untimely response
Consumer complaint received 2021-08-31 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:
I submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

XXXX  - XXXX  XX/XX/XXXX Equifax - XXXX  XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to Equifax and XXXX  for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Everytime I looked in my email, there are Marketing Promotions from Capital One, for applying for an Credit Card. Still they keep turning me Down. I been trying to get a Credit Card from them for a Very Long Time. Sent an Email to the CEO of the Company. Someone from the ESCALATION DEPARTMENT contacted me a few days ago. The Problem was still not Resolved. I Qualify for a Secured Card, not an Unsecured Card. No More! Very Frustrated and Disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday morning at XXXX. I woke up and had a text from Chase Bank saying that somebody was trying to withdraw money from my account and was this me. I replied back to the text and said that it wasnt me they replied back to me and said that I had already responded to call Chase when their lines open up. I went to my Chase mobile app and I looked and I saw that {$1900.00} had been removed from my savings account. When chases phone lines opened up I had called them, they said they were canceling my card Sending me out another one and they would Send the information to the fraud team for the fraud on my account. A couple hours later I was at work I opened up my Chase mobile app again and saw that a transaction for {$690.00} was denied and {$3000.00} was moved from my savings into my checking account. So I called Chase back they asked if it was me who tried to make a {$690.00} purchase I responded no you canceled my card I have no access to my money how would I be making a purchase? The woman on the phone said the card that they had sent out three hours prior was already being used by the people who hacked into my account. I never understood how they could have access to the card and it wasnt even shipped out. The woman on the phone also stated that they now had online access to my account and I needed to change my pin and my password my pin was no longer working for my card my account was no longer safe. She sent me out another card and had me lock the one that was being sent. The {$1900.00} that was withdrawn from my account was in XXXX XXXX  on XXXX XXXX at an ATM in person using XXXX XXXX. I have never once used XXXX XXXX, I dont even have XXXX XXXX on my phone. I live in XXXX XXXX XXXX the last willing transaction I used on my account was at XXXX XXXX  in XXXX XXXX XXXX The withdrawals happened at XXXX in XXXX XXXX  four hours away. Geographically speaking it isnt even possible. I have witnesses who can attest the fact that I was home in XXXX XXXX XXXX during the times of the withdrawals. I have my clock in information for Monday morning when I clocked into work the next day. I have never given anyone access to my card, card information, pin, bank information, account numbers or anything associated to my account. Chase has now denied my claim twice. I have removed all of my funds from Chase Bank I no longer feel safe keeping my money with Chase not only did the people have access to my card the first time and take my money, they got a brand new card that I havent even had the physical form off were trying to make purchases through that, and now had online access to my accounts. I had no access to my pin my money my card or my online account. If you need any more information please reach out and let me know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

Experian received my letter on XX/XX/2021 at XXXX XXXX received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at 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 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Did a Refinance. New loan paid off a Wells Fargo mortgage. The title company collected an extra $ XXXX-odd from us at closing over the actual existing loan balance. They forwarded it to Wells Fargo. Wells Fargo posted the payoff on XX/XX/21, but back dated to XX/XX/21 as it should have been. Today XX/XX/21, they advise it may take up to 30 days for them to return the extra, unneeded, $ XXXX payment to us. This is an unacceptably long time to make a refund when they know the amount today. There are no documents to review, just a check and their own records, which of course are all computerized. If the consumer pays a mortgage payment late, there is a significant penalty. 

Does the CFPB have the authority to direct Wells Fargo to make an immediate disbursement to me? And can it set a rule that payoff overages must be disbursed within 4 business days, please?

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 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, my name is XXXX XXXX, I am from XXXX with XXXX XXXX. 
I have problems with the Coinbase company since I have the account blocked and under review for more than 6 months. 
I have tried to contact them many times and they close the disputes automatically and the result is always the same. 
I wanted to be able to recover around XXXX in cryptocurrencies but I can't since my coinbase account is blocked I hope I can get my money back and I'm writing here since I'm in a situation where I don't know what else to do. 

Really thank you very much and I await your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2021-08-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have unauthorized inquiries on my credit report. I called equifax numerous times and they still have not removed the inquiries. I demand the inquiries be removed immediately as they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
COLLECTOR FAILED TO CEASE COMMUNICATION AND CEASE AND DISST COLLECTION

Company response to consumer: Closed with explanation