vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX through the XXXX/VA and state/SSI. They call before and after the allotted times. They also try to avoid saying they are collecting a debt and using shady tactics to collect information from me. They try to say they are different business as well, often. The name of the company is Progressive Management Systems. Todays date is XX/XX/2020. They have called the past 3 years through many phone numbers and have tried to contact my family as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The online selections did not apply to my situation. I would like to complain about the FICO system. I have been a customer at XXXX XXXX XXXX for years. Last month the local branch of my bank shut down permanently so I had to find another bank. I had an account with XXXX XXXX XXXX XXXX XXXX so I transferred my funds over there. As a result, FICO dropped my credit score by 30 points. Punishing an individual because a corporation shut down the local bank branch is completely unethical. My former credit score should be immediately restored as I've had no other changes that would cause my score to decrease.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a credit card with Barclays Bank in XXXX after being solicited by XXXX and wanting to save for my daughter 's education. Big mistake on my part. In XXXX, while my daughter was a XXXX  in college, I added her as an authorized user on the credit card in case she needed to make an emergency purchase while at college. At the time, Barclay 's Bank assured both of us that my daughter had no financial responsibility for the card. 
In XXXX, XXXX, a charge was made to the account. Unknown to me at the time, Barclays had stopped sending statements on the account so that I was not aware of the charge however, my daughter did not make the purchase and her credit card was not activated at that time. I found out about the charge on XX/XX/XXXX due to a major decline in my fico score that was posted monthly by my bank. I paid the charge that day in the amount of XXXX dollars. 
Unfortunately, this has ruined both of our credit profiles. I can accept that this has ruined my credit even thought it is the only late payment that I have ever made. My score went down 100 points but it is still XXXX. 
My daughter however, is XXXX and her score has gone down almost 200 points. She has had 2 credit cards cancelled and been turned down for a car loan. Her credit score has gone down from the mid 800 's to the low 600 's. All because of the misrepresentation of Barclay 's Bank. They have ruined her future and should be held accountable.

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 2020-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I sent an identity theft affidavit to Capital One regarding a fraudulent account that was opened in my name, Capital One mailed me a generic letter with a phone number that no one can be reached at stating they conducted an investigation and determined that the fraud was unfounded. I tried calling the main number and calls regarding the account in question are routed to a law firm that also does not answer the phone or return my calls. I was a victim for identity theft and fraud and I was not aware of my rights and afraid to take action because I felt that the people knew where me and my family lived at the time. I am now educated about the appropriate actions to take and Capital One disregarded my fraud affidavit. Capital One is the only creditor that did not take my issue seriously. I provided police report numbers as well. I have attached the appropriate documents and the letter from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: RFNA, LP
State: MS

Complaint narrative:
I am a victim of Identity theft and I have disputed these items and they are still on my credit bureau. 
One account is Republic Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
I have a direct express Mastercard that my social security goes on. On XX/XX/XXXX I had 4 an unauthorized transactions go through on my card. One transaction was for {$170.00} another transaction was for {$210.00} both of those transactions were made by XXXX   XXXX. Then there were two transactions both for {$65.00} and those were from XXXX XXXX, this resulted in {$520.00} being taken out of my account. I called Direct Express to dispute this transaction. I was put on hold for an hour and 45 minutes! At which time I could spend no more time waiting so I hung up and I tried again a few minutes later and heard " I'm sorry all agents are busy please try your call again later ''. I have just had {$520.00} taken out of my account, I'm put on hold for 15 mins before speaking to an agent and after relating the reason for my call am put on hold a second time for an hour and a half! Now I'm broke ( XXXX in my ) & have bills to pay yet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I was able to access my credit report through XXXX. However, when I needed to dispute some erroneous items on my report through Experian they are unable to validate my identify. They had me complete an online form and submit evidence and I've received no confirmation and no response. So I tried again and this time they tell me to call their 877 number to validate my information and they don't have a single option in their IVR menus that will allow me to speak with a person. Within the IVR I tried to pay for a report from them hoping it would allow me to speak to a person or clear up whatever information isn't matching and they took my credit card information but didn't send me any confirmations through email or even tell me the order was successful. So I reached out to them on XXXX and received even less assistance after them asking me for information so they could locate my profile. They are denying me access to my credit details and the ability to correct items of error on my report. Which is denying me ability to purchase a vehicle.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX  to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

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 2020-03-04 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 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 check 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: U.S. BANCORP
State: TX

Complaint narrative:
I received marketing correspondence from Mastercard saying they would offer me cellphone insurance once I started paying my bill with their card. I had a claim and submitted it through my primary insurance at XXXX. I submitted the required documentation to Mastercard but they denied my claim saying they needed an itemized repair receipt. XXXX  has the right to repair or replace your phone and XXXX  replaced my phone and billed me for the replacement deductible. I don't have an itemized repair receipt because of 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 2020-03-04 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:
on my credit report shows accounts not belongs to me the accounts are fraud they used my Identity and some one used this is a identity theft.

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 2020-03-04 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: Coastal Credit, LLC
State: IN

Complaint narrative:
I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are any unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything else under my social security number.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are any unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything else under my social security number.

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 2020-03-04 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: AES/PHEAA
State: MS

Complaint narrative:
There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple letters to Equifax disputing things on my credit report and have not received anything from them about results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: AR

Complaint narrative:
I opened a new checking account in XX/XX/XXXX. I opened it through a link on the Citibank website that stated I would receive a {$200.00} bonus if I completed eligible activities ( see attachment 1 for link ). I made a deposit of {$5000.00} on XX/XX/XXXX per the requirements within the terms ( over {$5000.00} ). ( see attachment 2 for terms ). I kept over {$5000.00} in the account for over 60 calendar days, as the terms required. I messaged a Citibank rep to confirm that I had met all requirements to receive the bonus. She assured me that I had and told me I would receive the bonus no later than XX/XX/XXXX ( see attachment 3 for that chat on XX/XX/XXXX ). I've since spoken to a customer service rep twice, with no resolution. ( see attachments 4 and 5 ). A dispute was opened for the issue by one of the reps, with the conclusion sent to me by Citibank on XX/XX/XXXX being that " we are not aware of any promotions offered in conjunction with the opening of your account ''. ( See attachment 6 for dispute conclusion ). I locked up over {$5000.00} in my Citi checking account for over 2 months, with the expectation of a {$200.00} return per the terms that Citibank published.

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 2020-03-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have contacted XXXX XXXX ( inquiry XX/XX/XXXX ), Experian Business Credit ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2020-03-04 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: MicroBilt / PRBC (formerly CL Verify)
State: IN

Complaint narrative:
I have contacted XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, and Microbilt. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MS

Complaint narrative:
There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MS

Complaint narrative:
There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MS

Complaint narrative:
There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation