vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MA

Complaint narrative:
Long story short. I purchased a laptop from XXXX. I was using a Netspend bank card. After purchase, my parcel delivery was quite long and he was lost. When I found I decided to return the item back to XXXX. They accepted my return and issued a return to My Netspend bank account. When my bank account was credited I attempted to log in to the account and received a pop-up message that my account is locked. At the same time, I picked up my phone and called to Netspend customer service. What they told me is that my account is locked and did not explain a reason why. They also told me to call XXXX and ask them for a letter of indemnity or to reverse the funds. XXXX response to me was that they do not do those things. So I am in a situation where one business ( company ) asks me for things where other companies ( business ) do not provide that kind of things and my funds and my actions are restricted. XXXX confirmed that they received an item and processed a refund and everything is fine but Netspend holds my money by force. I have a lot of info who proves that my return is sucessful. So this is what I have from XXXX : " Upon review, our system shows that a refund was issued successfully for order number XXXX back to the original payment method, VISA card ending in XXXX on XX/XX/2018 in the amount of {$1500.00}. Refunds generally take 1-5 business days to reflect into your account but are based on your Financial Institutions processing times. If you are not seeing the refund, please contact us at XXXX opt. XXXX, so we can conference call your Financial Institution for more information. '' Order ID : Order # XXXX Name on the order : XXXX XXXX. The laptop was bought with a virtual credit card. XXXX gave me an authorization code for the funds to be released - XXXX. Pretty much this is everything I have in this situation and now I am asking your help because in this situation I am powerless.

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 2018-12-21 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: GA

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and 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 2018-12-21 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: GA

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX  accounts, and 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 2018-12-21 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: GA

Complaint narrative:
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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:
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX 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 2018-12-21 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:
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX 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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sterling & Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX used the incorrect address when filling against me for damages in court. Therefore, I had no knowledge that I had the opportunity to defend myself before a judge in the court of law. Because I was never informed of the court date, I never knew I owed them anything until Sterling Associates appeared on my credit report. I contacted the company and they in fact confirmed that my name, phone number and address was listed incorrectly. At that time Sterling Associates then made me aware of what the charges were for. Charges were to cover paint, carpet and towel rack in the bathroom. I left a {$300.00} deposit to cover the cost of paint. There were no other problems with the apartment. When I moved in the carpet was 12 years old per  management. I asked if it could be changed and they said no. So why charge me for carpet when it was already time to change it? I believe that XXXX submitted incorrect information purposely to take away my right to argue my point before the judge.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I bank with Wells Fargo and I have been happy with them until about 3 Months ago when I had my account number changed due to fraud. When I originally opened my account I was not able to get over drawn unless I payed with check or using my account and routing numbers, the type of account I had didn't allow for overdraft so if the funds were not there to cover a transaction it did not get paid. Since getting a new account number the bank has let most transactions go through causing me to stay over drawn more often than not. I asked them on 3 separate occasions and they said it's up to them to decide what to pay or not but if I have not asked for overdraft then I don't understand why they can change it on their own. When speaking to another person who also banks with them I was told that they changed everyone 's account to a regular bank account and it allows transactions to be paid even if funds are not available and they charge for the overdraft. I find that to be unfair being that I usually have to agree and sign that I want the bank to pay items when funds are low

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: GA

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, 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 2018-12-21 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: GA

Complaint narrative:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, 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 2018-12-21 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: GA

Complaint narrative:
I am so tired knowing that my concern was not attended by Equifax!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX   XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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:
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) 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 non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Someone use my identity for fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, on XX/XX/2018 around XXXX XXXX CST, I signed up for " TransUnion '' to try and check my credit score. However, I had absolutely no clue that they would instantly charge me {$19.00} upon putting in my bank details. I had no idea I was going to be charged this money, and it was not clear whatsoever that I would be charged upon simply just signing up. I managed to cancel my subscription ( that I also had no clue it would be subscription based either ). I have attempted to call their help line several times at different times of the day and they never answer my call or put me on hold and never come back!

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX Equifax Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2018, a requested balance transfer of {$100.00} from my XXXX XXXX XXXX ( XXXX ) Visa account ending in XXXX posted to my Capital One Visa account ending in XXXX. On XX/XX/XXXX, said amount billed to my Cap One account and was included in its current statement - appearing as XXXX XXXX XXXX - which I paid in full ; ie, including the {$100.00} balance transfer. 

As of today 's date, XX/XX/2018, XXXX has not received the {$100.00} payment from Capital One. Moreover, as payment of my XXXX Visa account became  due on XXXX, I paid it in full. ( XXXX  confirmation code # XXXX. ) Consequently, I've now paid the {$100.00} twice. 

Subsequently, via its website instruction I contacted Cap One on XXXX - and have email verification of their receipt - detailing the issue. To date, no response from the company. As I am currently traveling overseas with extremely limited phone access to the US, I am not able to call them. 

Please promptly initiate an investigation and keep me apprised via my email address which is : XXXX. Thank you for your prompt attenti on to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
They lied about the terms of the loan misrepresenting the loan I got. Will not give me information on different programs to lower the payments. Making me do forbearance when I could have did a different program. My XXXX year-old mother was cosigner and they be making her real upset Did not tell me this was a private loan Will not lower my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Im trying to get some information from wells fargo on the loan modification glitch that caused peoples homes to go into foreclosure. I havent heard or gotten anything in mail from them. Ive tried emailing and messaging them.

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 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries Trans Union XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 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 2018-12-21 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: FL

Complaint narrative:
I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them I

nquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry 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 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 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Trans Union on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but Trans Union is still allowing my report to be accessed. 

I need these Inquiries removed 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 Trans Union 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 Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record

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