vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP
State: IN

Complaint narrative:
We get repeated calls from Key Bank to our cell phones, which we use for business. We make payments and they dont go through but we get email confirmations that they did go through. Then weeks later the payments have not cleared out bank. 
Key has AGAIN charged us a late payment after we made a payment on XX/XX/XXXX and the email confirmation came to our email inbox at XXXX. 
Additionally, they need to stop calling. They can mail us what is needed via US mail ONLY. 
We did make another payment with the XX/XX/XXXX payment did not clear. 
We went online tonight to make a payment and the web site is AGAIN not working. Their website never works. 
We were able to log in but no account information will pull up. 
We just made a complaint and there are issues already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my SSN is XXXX. I'm also inquiring about any custodial account they may be opened in my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your 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 non-monetary relief
Consumer complaint received 2019-05-22 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: TCF NATIONAL BANK
State: OH

Complaint narrative:
GATEWAYONE LENDING Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from GatewayOne Lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HANCOCK WHITNEY BANK
State: TN

Complaint narrative:
I received a cashier 's check in the mail that I had to sign for with my name on it for {$2800.00}. The bank on it is Hancock Bank issued by Whitney Bank. I called the bank and they said the check is fraudulent. The envelope it came in said it was sent from Safe Deliver XXXX XXXX XXXX XXXX XXXX, VA XXXX. I'm not sure why I even received this check, but I kind figured it was a scam from the start..thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/18 I was notified of identity theft. I was contacted by multiple credit card companies that someone was attempting to make changes to my accounts ( XXXX, XXXX, XXXX and Macy 's ).  Macys called on XX/XX/18 and said someone was attempting to increase my credit limit. I told them I was not, and to cancel my card. On XX/XX/18 a customer service representative called from Macy 's and said another woman was on the other line trying to make a {$3000.00} furniture purchase on my account, and claiming to be me. She also tried changing my phone number to another number. I told them it was not me, and to just close my account. In XXXX I received notice from Macy 's of an unpaid balance on my account that was past due. The letter stated they had been trying to reach me but could not get a hold of me ... but this was the first notice I received about a balance due. I paid the balance immediately. I then found out Macy 's submitted negative credit reporting and now I can't get financed for a house. I called Macy 's and they told me that back in XXXX with the attempted fraudulent activity, the person posing as me successfully changed all of the contact information for me- including phone number and email address, and then made a request for paperless statements instead of mailed statements. Under FTC laws, Macy 's is required to notify me about a balance 21 days before it is due, but they did not because they kept the fraudulent contact information associated with my account. I have spent hours on the phone with them to try and get this handled. Macy 's  credit reporting department refuses to reverse the negative reporting and told me they checked with XXXX and were able to confirm that I received emailed statements and that I opened them. Here 's the problem ... I don't have a XXXX email account.

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 2019-05-22 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: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-22 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, or do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I dont recognize the accounts 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 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. I need to see all paperwork associated with this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
First Financial Asset I has a collection that is open with a XXXX balance. It keeps reporting monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: OH

Complaint narrative:
XXXX XXXX Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one auto finance is reporting late payments monthly when the debt was reported as a charge off 3 years ago. They additional reported it as released debt to government. They seem to be double dipping and should not be reporting late payments when the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: NY

Complaint narrative:
I dont recognize the accounts 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 non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I'm inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about custodial accounts in my son 's name " XXXX XXXX SSN # XXXX and my daughters name XXXX XXXX # XXXX. I believe the account may have been opened fraudulently by a close relative without my knowledge. if there are any accounts open under our names, could you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your 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 2019-05-22 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: FL

Complaint narrative:
to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$1600.00}

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 non-monetary relief
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX 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 2019-05-22 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: GA

Complaint narrative:
It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX College and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX  who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to  assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX 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 non-monetary relief
Consumer complaint received 2019-05-22 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX 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 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
Mohela sold loans to XXXX who has consolidated all of my student loans. Their negative reporting is affecting my debt to ratio when they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
It is requested that Deville Assest Management be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. Deville Asset Management fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. An account executive called from Deville Asset Management and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. Also see XXXX for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. I am asking that each credit bureau be contacted and the information supplied and attached be investigated against Deville Asset Management who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to Deville Asset Management requesting them to start reporing fraudulent activity on my account. If Deville Asset Management continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against Deville Asset Management per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation