vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 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: IA

Complaint narrative:
A fraudulent XXXX credit card had been opened XX/XX/XXXX in my former surname XXXX ( not used since XX/XX/XXXX ) and former XXXX address ( XXXX ) haven't lived since XX/XX/XXXX. I immediately cited it as a fraud and put it in dispute. The individual who opened the acct didn't activate the original card sent to XXXX address for over a year. Then in XX/XX/XXXX the  perpetrator requested a new card be sent to an XXXX XXXX address in XXXX, NY and racked up over $ XXXX in purchases in a few weeks. 
Although the identity theft, fraudulent credit card account has been expunged from my reports, the XXXX XXXX, XXXX address that enabled the fraud, ( which was never mine, nor anywhere I'd ever been in my life ) has remained on Equifax 's site, showing as my 'current address '. The Equifax site is so badly designed, that it immediately regurgitates incorrect entries. I not only attempted to dispute and have the address removed online, but called as well when that outcome showed my true, current address as fraudulent! The agent was unable to correct this circumstance, saying my account that she was seeing showed the fraudulent address in dispute and my true address not. 
Well, I checked today and it is showing my current address as the correct one, but the fraudulent address is now being shown as an old address ; which it is not!!!! I have never had or been to that address. It is not to be listed as associated with me. This entire fiasco resulted from the Equifax breach in XX/XX/XXXX and Equifax didn't have the decency to assist me in any way or even mention that the breach on their site was the reason. These reporting agencies are incompetent and don't even bother to alert creditors to old names and addresses not currently in use that still attach to individual profiles, allowing criminal activity that they are meant to be averting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX took money from my Bank of America debit account on XX/XX/XXXX for a hotel stay booked for XX/XX/XXXX. XXXX XXXX XXXX went out of business on XX/XX/XXXX and I can not recoup funds from either company. I was not notified that XXXX XXXX XXXX was closed, therefore I did not file a complaint until XX/XX/XXXX, when I returned from vacation. Bank of America stated my complaint was outside the time frame for them to issue a refund although I have told them I found out about XXXX XXXX XXXX closing on the day I started my vacation. Why would I file a complaint when I had ( at that time ) no reason to complain?

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 2019-09-12 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: DISCOVER BANK
State: GA

Complaint narrative:
So there was an account that was reporting on my credit report from Discover Financial. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NC

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: FL

Complaint narrative:
I called XXXX XXXX over 2 months ago ( XX/XX/2019) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed XXXX I would be leaving the country for 7 weeks and needed the pin ASAP. The XXXX rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from Experian stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the XXXX rep I needed to submit It in writing.

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 2019-09-12 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: NC

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted portfolio recovery during the month of XX/XX/XXXX to cancel my payments. They sent a letter saying that I agreed to make payments.. they also increased my balance to by 300+ dollars and Im currently disputing this incident to ally. Please do some things about this disgusting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
So there was an account that was reporting on my credit report from XXXX XXXX. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I XXXX XXXX made a money transfer through zelle a financial institution recommended by XXXX XXXX XXXX for the amount of XXXX dollars the transfer was made to a XXXX XXXX account belonging to my colleague XXXX XXXX zelle allowed the transfer of XXXX dollars only requiring the phone number no other information and transferred that amount to the wrong financial institution XXXX XXXX XXXX. This transaction was made on XX/XX/2019 I Made a claim with XXXX XXXX XXXX. Bank institution this claim was made on the XX/XX/2019 the claim came back denied on the XX/XX/2019. I was later informed by calling chase about the denied claim that that amount of money is now lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
This is my third time attempting to get this information removed

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 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have a mortgage with Dovenmuehle Mtg. Company My taxes are paid in full in advance for the year, I pay my insurance separately as in my contract. My payment has been XXXX per month as in my contract and I have never been late. Without any explanation my mortgage went up to XXXX No one can tell me why nor explain to me why. My mortgage is not an Escrow account. I am a Senior Citizen and on a fixed income and I am being taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NC

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: LA

Complaint narrative:
I have inquroea by XXXX XXXX and XXXX XXXX  I never authroize these to do a crwsit inquiry or aign up for credit with them I do not know who they are. I do not have anything at all with these businesses These I inquries are from fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: NC

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2019, I needed a bank check because I was closing on a house purchase. Some of the money for this check was from my account and XXXX of the money was cash that I brought into the bank ( XXXX XXXX dollar bills ). The bank teller at Wells Fargo in XXXX, Minnesota took my cash and ran it through the bill counter and very quickly placed it in the cash drawer. I asked her how much money she came up with and she said XXXX. I indicated to her that wasnt correct. She was evasive and would not look at me or converse. Her behavior was very suspicious. Due to time constraints of the closing I was rushed and did not process what had just happened. I was shorted XXXX dollars and never showed the bill counters receipt of what was counted which is the procedure. It was suspicious that she quickly placed the money in the drawer without telling me what she had come up with. I had to ask. I later processed what had happened and decided to make a complaint to the bank. I asked the bank to review their video surveillance to see what had actually happened and to see if the teller had skimmed the XXXX dollars at a later time. The bank teller supervisor ( XXXX ) was unable to produce the money counter receipt and she admitted to me the procedures were not followed. She said she couldnt review the video and I was directed to a corporate staff member. Her name is XXXX telephone number XXXX. I talked to her once and have never been able to reach her again. She has never called be concerning this investigation. Ive tried to call her many times to no avail. The call goes to her voice mail where the box is full. It directs you to an operator where the call just hangs up. The local bank staff tried the number as well and had the same results. The local bank staff appeared to want to help me but were unable to make this decision and said they would run this issue up the chain of command. This process of spinning me went on until the first week of XX/XX/XXXX when the bank manager told me her boss had decided against me. I asked for explanation and was told they couldnt tell me anything. I asked for the evidence of the receipt and video results so that I could understand. Ive asked for procedures to be explained when counting cash. They will not explain them to me. I have visited other Wells Fargo Banks and they discussed and provided proof of all discrepancies regarding cash. She said she couldnt provide me with anything. No due process! I believe a federal crime has been committed by this bank teller. The bank is covering this incident 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 non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I advised the creditor that they are only authorized to contact me using my own phone number. 
They called someone who is unrelated to me and who has never been used as any kind of reference. 
When asked to not call any other than my own, I was told they can not remove any numbers that they have on file even though I did not provide any other numbers. 

They are calling from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SLM CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX Ref. : Complaint against SallieMae reporting Dear Sir or Madam, I am writing to dispute the information related to a loan number XXXX XXXX XXXX XXXX of the amounts {$18000.00} that SallieMae charge without my knowledge. The first time that I received an email from that financial institution I did not answer because I thought that was a mistake until I noticed it reported me to the credit bureaus.

SallieMae has associated my name with a certain XXXX XXXX, one of my classmates at XXXX XXXX XXXX who used to study with me. In all likelihood, this gentleman would steal my identity to go take a loan. Despite of my last name, I do not have anything to see with that borrower who is just a fraudster or identity thief. 

In spite of the emails received from SallieMae, I never wanted to contact the bank to not have difficulties. The Financial Institution has destroyed my credit score by reporting me unfairly to the credit bureaus. As you can see, other than this incident, I am a valuable customer and I pay my debt pretty much on time. 

With these considerations, I am requesting that your department reinvestigate this matter, the disputed item as soon as possible, and that the item be deleted from my credit record to correct the information. 

Enclosed are copies of supporting my position. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: TN

Complaint narrative:
I do owe a medical debt. Everest Receivable Services sought the debt out and it is in collections. This I do understand. I am willing to make my first payment in XX/XX/XXXX but this is not good enough for them. They want a payment right now. I didnt even know I owed this debt until last week. They did try to do a settlement which I appreciated but they were VERY RUDE when I explained that I couldnt pay anything until XX/XX/XXXX  XXXX I think his name was. Said Well Im sure you can find some money somewhere. He also said You dont get to make that decision anymore you need to pay something right now. He preceded to scream at me over the phone and upset me very badly. He called me today again and I again preceded to tell him I can not make a payment until XX/XX/XXXX and he said No you dont get to negotiate that you need to make a payment now. He began to get very rude again and I reminded him that he was the one that was rude last week and he offered no apology or anything. He preceded to throw it all back in my face. I am a single mom and I am having a lot of health problems and I explained that this to him. I live with my parents and he said that well since your living with your parents you should have some extra money somewhere. 

I am very upset by all of this. I barely make ends meet. I cant just make money magically appear. This has me very shaken. This company uses intimidation tactics to talk to their clients. 

XXXX is an absolute bully and is terrifying to talk to and has made me cry twice! 

My XXXX year old daughter was around for both of these conversations and it upset her terribly. No one should be yelled at and treated like this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NV

Complaint narrative:
XXXX XXXX XXXX is reporting an account that is not mine to the credit bureaus, and is in violation to the FCRA and FTC ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal won't let me send a donation to a candidate, on XX/XX/19 their live chat agent said I had to fax them my SSN and drivers license and a utility bill. I did that, they still will not let me send $ $ and when I call they make me listen to an endless recording of irrelevant info I have been on hold for a really long time. Their website says no live agent is available. I have enailed them 10 times about this but they never answer my emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Have disputed two of five loans due to fraud by XXXX formerly XXXX XXXX XXXX. 
Navient associates have refused to look into my claim. Refuse to have me speak with a superior. Have refused to provide information about my loans to me. I have requested a copy of the alleged disbursed checks to see who has signed for them since I know I did not. The associates refused to assist me and told me to call back. 

I have called the Student Aid federal loan Ombudsman department to only be directed back to Navient. 

Apparently, there is a big scam or fraudulent activity being conducted by Navient and the U.S. department of Education. I would like to join in on a class action law suit since I have supporting documents. 

Two loans totalling {$4000.00} were allegedly taken out four days prior to me finishing my program. These loans were taken out by fraud. The school has been shut down since the State of California has found them to be in multiple violations of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
On XX/XX/19 Tuesday I tried to enroll in the XXXX XXXX Upgrade Program to purchase a new XXXX XXXX XXXX this coming Friday at XXXX XXXX PST. I have to get preapproval before being enrolled. My application kept getting denied due to " personal information not matching credit report ''. I called the lender for the program, XXXX XXXX, and after trying their initial solutions of double checking credit card security codes and multiple cards, I still faced the same issue. Then I was transferred to talk to Equifax and they said they do not have my credit report history for some reason. I checked on XXXX XXXX and can only get from XXXX. So Equifax told me to call XXXX XXXX to send them info regarding my history so they can process that. I then called XXXX XXXX one more time and all the representative told me was that they can only send an appeal, even though that requires Equifax to verify my information, which they do not have on file.

Company response to consumer: Closed with explanation