vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 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: FL

Complaint narrative:
XXXX reported my account past due and they refused to validate my account. I asked to validate my accounts by providing documents bearing 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 2018-09-03 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: MI

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   XXXX : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: MI

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance: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 2018-09-03 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2018 Wells Fargo dealer services state that I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX and XXXX. I called Wells Fargo dealer services and they stated there were no accounts on file under my name and information and wouldn't take these hard inquiries off my credit reports.

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 2018-09-03 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was recently " Denied '' credit. When I tried getting my " Free '' annual credit report from " XXXX XXXX '' they told me " No '' and that I would have to " Pay for it. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We had a XXXX dollar service charge held out by bank of America causing our account to be put in overdraft with another {$35.00} overdraft charge being added after out automatic payment was taken out of our account and we have direct deposit in our frauded account and have contacted social security about switching accounts it's not our fault they take so long to seitch accounts and they never mentioned any service charges before just call and get the funds transferred from the frauded account to the new account never even mentioned we have to have social security change accounts. This is so wrong big time and never mentioned this at all.

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 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add 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 2018-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2018 I called M & T BANK in XXXX, MD XXXX and spoke with the assistant manager whose first name I only have is XXXX I asked for information on how to close a savings account that I had because I no longer live in the state of Maryland. I did exactly as he instructed me to do. I have a copy of the note. I had it notarized and mailed it to the bank. Upon them receiving the papers XXXX called me and asked me how I wanted the funds I instructed him to just send me a check. After two weeks not receiving the check in the mail I called him I also went to the post office with the tracking number that he gave me but the post office said it didnt exist I couldnt find it in my research either. XXXX then told me he would mail me papers I have to sign to close the account and have notarized but my first question was why couldnt the bank just stop payment on the check. That same week I got a phone call from XXXX telling me that I could Either get a insured bond which I had to pay for or I could wait 90 days and on 91st day he would mail me the papers and then they would re-issue the check upon them receiving them back signed and notarized. I the customer did not lose the check so why should I have to pay any funds at all. He made no effort to even try and locate the check which he said he mailed. It is a substantial amount of money that is now who knows where and he has made no effort on his part to try and find out what happened to the check. That is my money that was in m & t bank And I should not have to wait any longer for my money Or pay anything out-of-pocket. I want my money NOW.

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 2018-09-03 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I was " Denied '' credit. I called up " Experian '' in order to get my " FREE '' annual " Experian '' credit report to see why I was " Denied '' credit. " Experian '' told me that I would have to " Pay '' for my " FREE '' annual 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 2018-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I was told repeatly that there was not any origination or up front fees with this loan when I spoke numerous times with account representative on the phone. 

When loan dispersed I was charged a origination fee of {$480.00} on the {$8000.00} loan. 

I called numerous times to Lending Club XXXX only to be put on hold and then hung up on, told they would look into it and get back to me, and refused to let me speak with a supervisor. 

I then sent them a letter and email regarding my issues they then debited my checking account 4 days early for the monthly payment which caused issues with my checking account overdraft. 

I called again about both of these issues and was again told someone would address my problems but they never called or emailed me. 

I proceeded to close my checking account so they could no longer debit it. 

They violated the terms of our agreement/contract on origination fee and early debiting my checking prior to the agreed due date of a payment. 

Lending Club never addressed my issues and sent the account to a collection agency. I have been receiving harrasing phone calls from 4 different agencies/legal that claim to have the account, and my credit reports shows chargoff and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I was wrongfully " Denied '' credit. So I called up " Equifax '' to instruct them to mail me my " Free '' annual " Equifax '' credit report. " Equifax '' then told me that I would have to " Pay '' for my " Free '' annual credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
This complaint is being filed regarding a {$170.00} charge from XXXX, originally {$270.00} - but I received a refund from XXXX in XX/XX/2018, so the total amount still being disputed {$170.00}. I have disputed this charge four times with American Express due to the fact my sister and I were kicked out of our hotel room at the XXXX XXXX on XX/XX/18 at XXXX after I had a XXXX XXXX. We did not cancel the reservation, we were kicked out of the hotel by their staff. 

I have explained verbally via phone and provided detailed documentation ( including a XXXX and Texas Attorney General complaints ) of exactly what occurred at the hotel that evening to American Express four separate times in filing disputes. To respond to my dispute, XXXX has provided the cancellation/non-refund policy of the hotel, and stated lies that include I assaulted a security person with my room key - which I did not. See XXXX   pdf for messages from American Express as a result of the 2nd and 3rd disputes and pdf 's ending in -XXXX and -XXXX ; these pdfs being the same document that was sent to me as part of the response for the 2nd and 3rd disputer. It is very frustrating to me that the 3rd disputer was closed after I went into a very great detail when filing my 3rd dispute and was told by the American Express customer service agent that the response from the company should not have been accepted as this was not a cancellation attempt by me the customer so the cancellation policy has nothing to do with the dispute. 

My complaint today is that American Express is not protecting me - the customer - against XXXX non-responsive responses to the disputes filed. I fully understand the no cancellation/refund policy of XXXX/the hotel. However, I did not cancel the reservation - the hotel kicked us out in the middle of the night. American Express is accepting the same irrelevant and nonsense response regarding cancellation policies from XXXX each time as an answer to the dispute I filed, but their response is not responsive to the reason for the complaint. I have called and talked to American Express customer service when filing these disputes and have been told that the response from the hotel is not responsive and a new dispute will be filed, twice now. I'm worried that this 4th dispute, filed today, is going to result in the same non-sense, non-responsive response from XXXX and American Express is going to accept that response again and close my dispute, leaving me on the hook to pay {$170.00} for a hotel I was erroneously and illegally kicked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Guaranteed
State: TX

Complaint narrative:
I called the debitor they say this loan, two of them are mine. I called XXXX and XXXX XXXX they told me this was done electronic with a electronic signature .I was out school in XXXX was paying one one loan to government student loans XXXX and XXXX XXXX only.. Then this shows up on my credit XXXX, that I went back to school took out more loans .I stopped paying my loans to get this fixed and removed as fraud .I called XXXX and they say I owe for a colorado college loans I know nothing of colorado student loan.. I never did online signatures and I only went to one school which I have documentation to and payments. I told XXXX this, now they are saying I agreed to pay XXXX dollars a month payments .. I did not agree to anything with them.They are sending me bill statement thru the mail now. This is harassment to me. I had a fraud alert on my credit for yrs and yet this happens to me now. Why was my fraud alert lifted off my credit reports this would not of happened it alerts were still on the credit reports. How do I get this XXXX school loans off my credit reports and how do I prove fraud???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.

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 2018-09-03 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: TX

Complaint narrative:
I have disputed my credit report numerous times. There is a bankruptcy reported on my Transunion report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau Transunion and XXXX XXXX are reporting inaccurate information

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 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX here, I was given a notice that that there was two fraud alerts, can '' t get any information on them, who to contact, phone number, etc.. 
My contact is : XXXX XXXX XXXX XXXX XXXX XXXX, mn. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: NJ

Complaint narrative:
Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and equafax refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX INFO SVCS Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report EQUIFAX Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/EQUIFAX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX  Promotional Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: NC

Complaint narrative:
I've been working with Equifax credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from Equifax, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with Equifax. Everything has been removed from XXXX, XXXX several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a late reporting on my account SYNCB/XXXX this isn't accurate I made all my payments on time, this is clearly an error on your part.I hope we can resolve this matter immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please be advised that I contact Capital One I formi g my acct not being reported in the month of XX/XX/2018. my Capital one acct ending in XXXX has not been report correctly by XXXX since XX/XX/2018.. This is cause my credit score to be lower. And my credit limit has been increased by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.

Company response to consumer: Closed with explanation