vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a an overdraft protect line of credit. it is setup for automatic payments. The bank failed to deduct the monthly payment from my account and therefore payment was late. 

I walked in the branch inside a XXXX XXXX XXXX and made a payment. The payment was not posted the account until the XX/XX/XXXX which is 3 days later thus making the account delinquent. 

Funds were in the account, Citizens failed to move money to satisfy {$20.00} monthly payment, thus resulting in 20.00 $ late fee and derogatory reporting to credit bureaus. 

the bank lost {$90.00} that later they found and applied to my account. 

The bank is charging me fees on fees, depleting my account of funds and then reported me late with the intention to damager my credit standing. 
I called and spoke with a lady who open a dispute case for me and gave me a case number XXXX and said in two weeks call to follow up. When i called, i spoke with a rep called XXXX, who was condescending and unhelpful then asked to speak with his supervisor called XXXX who was no help either. None of them could locate my dispute case and wanted to transfer me to different department to start a new dispute. I asked to speak with XXXX 's Manager. XXXX XXXX who is supposed to call me in 2 business days. Another way of saying go away we don't want to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NY

Complaint narrative:
Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It way too many inquiries to count. I have not applied in a long 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 2018-09-25 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: NY

Complaint narrative:
Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX  XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It way too many inquiries to count. I have not applied in a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
A company by the name of XXXX provided an insurance rating software. The product was/is named " XXXX ''. 

For " years '' they would not apply my payments to the invoices that were the oldest despite my request both in writing, email and by phone. 

Then, on or about XXXX I contacted a marketing representative by the name of XXXX XXXX of XXXX about switching over to a different version of the rater. The product was called " XXXX XXXX ''. 

After trying to use the product XXXX XXXX I cancelled the subscription. 

Then, I received pages of invoices for the XXXX rater and for the XXXX XXXX. There errors were still wrong. 

No were did he stated I would be locked into a year subscription. I had been with XXXX and the prior owner of XXXX for over 20 years. 

Then, today I get a letter from an attorney stating I owe {$1300.00} plus ... I called and explained that I did not disagree that I owe some money but they need to get the errors correct. He then sent me a second email for nearly three times the amount and threatned my credit. 

The way XXXX  structured and applied payments make me look badly. I am going to make payments for the months that I owe XXXX and the one or two for the XXXX XXXX. 

They are being abusive because I went to a competitor XXXX rater. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NJ

Complaint narrative:
Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX XXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX XXXX, XXXX and XXXX  inquiries. Please Im sorry but Im stressed.

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 2018-09-25 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: GA

Complaint narrative:
Good Evening, and how are you doing. On XX/XX/XXXX. I tired to Unfreeze my credit report with Equifax online, and I went through a ID verification, and because it was Sunday, i had to wait, for Monday XX/XX/XXXX to call and be verified over the phone. I called On Sunday XX/XX/XXXX and Monday XX/XX/XXXX at XXXX & XXXX & XXXX. I talked to agents, which okay during the phone conversations, and it took a turn, which became rude and was anxious of getting of the phone. I went through the ID verification, and It has been 2 days, which i can not get my credit file unfrozen. This has been an ongoing issue for me, I have unfrozen my credit file, through them, and it turned out to be still frozen, when a creditor, when to pull my credit file. This has become an ongoing Hassle with Equifax on this Security Freeze and the problem is getting worse. I even tried to reset my password, and i mean ain't nothing working at all. i need to get my file unfrozen. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
It's for XXXX XXXX for a XXXX Credit Card that's in my BoyFriend name and they keep calling my phone all day every day they called and left a very rude voicemail on my phone a Ms. XXXX her number is XXXX ext XXXX stated that he needed to have an attorney to call them the balance is only like {$100.00}, for one thing, it's against the law to call a consumer an leave a message on a cell phone I can sue them for that. I called back the number she told me to call and a guy answered and was very rude to me saying this a fortune 500 hundred company and they do not practice unlawful tactics I asked for a supervisor and he got very rude so I advised him that I would report them to the CFPB. I know my rights as a consumer once the supervisor got on the line she would not give me his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.

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 2018-09-25 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: CA

Complaint narrative:
This complaint is about Experian and how they handled my credit file. They have put erroneous information on my credit file, including two new inquiries even though those inquiries do not have my correct name or SSN associated with them and also I have a credit lock in effect since late last year. 

I have been frequently monitoring my credit reports regularly. And until around last week, I only had two hard inquiries on my credit report ( from  XX/XX/XXXX ). 

Suddenly, when I checked my reports this last weekend on XX/XX/XXXX, I saw two additional hard inquiries that appeared on my Experian report ( report number XXXX ) but not on the reports from the other two credit bureaus. I also see a name on my Experian report that does not belong to me. 

One inquiry is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Please note that this inquiry is from XXXX and it only appeared on my report just this weekend. It wasn't there before. ) Another one is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Note that this is from XXXX and it only appeared on my report this weekend ) The invalid name is listed as " XXXX XXXX XXXX ''. 

I called Experian several days in a row. It spent many hours waiting on the phone to be able to talk to various reps on XX/XX/XXXX and XX/XX/XXXX. 

Finally, when I was able to get an Experian representative to look into my file, they confirmed that the source of the invalid name " XXXXXXXX XXXX XXXX '' and at least one of the above mentioned invalid inquiries ( XXXX XXXX ) are related. They said that there was no SSN associated with this query inquiry. 

And yet Experian has erroneously linked the above name and inquiry to my credit file. 

The Experian rep I talked to only offered to remove the invalid name from the credit report but not the inquiry even though the source of the name is the invalid inquiry. 

I believe both of the above inquiries and the invalid name are related and have been placed on my credit report in error by Experian. 

Also, when I talked to the Experian employee XXXX from their XXXX department, she informed me that there has been a credit lock in place on my credit report since late last year. So the above inquiries from the this year should have been blocked. 

Please help remove these three erroneous items from my file as soon as possible. 

I have a new job offer and the employer is currently doing a background screening. Experian would be responsible if my job offer is rescinded because of their errors on my credit report. 

You can reach me at XXXX Thanks, 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 2018-09-25 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: NJ

Complaint narrative:
Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX  cardbXXXX be on my credit? How? XXXX XXXX XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX  and XXXX  inquiries. Please Im sorry but Im stressed.

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 2018-09-25 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:
Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX cardbXXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX and XXXX inquiries. Please Im sorry but Im stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is involved in fraudulent bank practices again. There was a misunderstanding with the city of XXXX as I opted for installment payments but a legal order was placed on my account, which I got it rectified with the city of XXXX on XX/XX/18 but Wells Fargo charged me a legal order processing fee of {$120.00}. I believe this to be a ripoff. I was never made aware of such a fee and I called to have it reversed and was told that it was in small print on page 46 of a supposed booklet or packet I received when I first signed up. I have had Wells Fargo for years and this is an outright scam. The lady on the phone said she could give me a partial refund but I want a full refund of my {$120.00}. Very dishonest banking practice. I will be closing my account and never banking with Wells Fargo again. I will also notify and warn other users on my social media and family and friends to beware of Wells Fargo.

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 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses above.

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 2018-09-25 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: TX

Complaint narrative:
On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NY

Complaint narrative:
I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that TRANSUNION amd XXXX  allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
TRANSUNION AND XXXX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.

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 2018-09-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX and I was discriminated by Discover Card Services. I received a call on XX/XX/2018 at XXXX Pacific Standard Time. The agent from Discover was named XXXX which is short for XXXX and is apart of the Discover Security Department. The phone number used to call me is XXXX. During this phone call, the associate XXXX, violated my protected rights under the Equal Credit Opportunity Act. 

During the conversation, XXXX inquired about my age and asked me to confirm my age. What is important here is the fact that the reason for inquiring about my age had nothing to do with verification or customer security. My information was already verified. She then proceeded to verbatim state, " You are really young, are you sure you still continue using the account? ". 

Immediately, I let her know she is in clear violation of ECOA. Age is clearly a protected class and there was NO reason for XXXX to use my YOUING age as a reason of whether I still want to use my account. I am very offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX  on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I am writing in regards to a debt that is listed on my credit report as XX/XX/2017. The information is being reported by IQ Data International ( original creditor XXXX XXXX XXXX XXXX XXXX, GA ). IQ Data International is reported inaccurate and fraudulent information. Several disputes have been made with all three credit reporting agencies over the past year. The company has not provided proof of the debt. The amount due increases monthly and has resulted in a negative credit rating and financial hardship.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I would like trough this mean that XXXX sent i debt to collction i sent all paper work i file a police report all other banks agree that in fact my identity was stolen they send my debt to collection for no reason at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent them a letter on XX/XX/2018 and then I sent them another letter on XX/XX/2018. They sent me a letter stating that because of this they get to extend their time investigating the items. Each letter stand on its own date and Certified Mail Receipt and I will not be extending the time for investigating the information. The law states 30 days from a complaint, whether another letter is sent or not. The second letter had other items on it, but the first letter still stands from the original date of XX/XX/2018. Thank you and I have enclosed a copy of the letter they sent me.

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