vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-19 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: MO

Complaint narrative:
All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

XXXX, XXXX and Equifax are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the XXXX XXXX member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I spoke to a representative named XXXX from Capital Accounts in regards to a debt she claims I owe. I was unfamiliar with the debt and asked her to send me the details showing that I owe the debt. My request, on a recorded line, was denied and I was told I would have to contact the company who turned over the bill as it was not her job, and she did not have to send me the info. She told she would report to the three ( 3 ) bureaus if I didn't pay that day. I said I would pay if it was mine, but I need proof of the debt, she again denied my request, in clear violation of Federal Law. 

At this point, the clear violation, on a recorded line, should be investigated and the company should properly train their employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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:
I have disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but XXXX  and TransUnion continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
I received an alert via my XXXX XXXX alert monitoring service informing me that I have a debt collection derogatory mark on my report with a company called Franklin collections via XXXX XXXX XXXX for over {$450.00}, on XX/XX/2019. I do not have any collection accounts with XXXX XXXX XXXX as they are my cellular service carrier whom i pay monthly for well over 10 years. I have never been notified of this via XXXX XXXX XXXX or any collection agency. I have also been a victim of identity fraud and have notified the IRS AND have a freeze on all three of my credit reports and have locked all three so i would need to be contacted and have my information verified prior to opening any new accounts. This has been in effect for well over 8 years now. I attempted to reach Franklin collection and they stated unless i give my ssn they can not help me, I refused to provide my ssn b/c if you are stating i owe you should have my ssn and I should be able to verify via another method. Due to my being a victim of identity theft I do not give out my ssn as instructed via the credit reporting agencies. I also never received any notification via XXXX XXXX XXXX who again I currently have cellphone service with, requesting any collection and I reached out to XXXX XXXX XXXX and they stated also NO, I have no collection accounts on their behalf. I do not know of this Franklin collection account. I submitted a dispute via credit karma on XX/XX/19 & received a response today XX/XX/19 @ XXXX stating this account was verified and is correct?! How so, it took a month to verify and what steps were taken in the verification process, no one reached out to me to inquire about anything. Please help me with both XXXX  XXXX XXXX XXXX this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: OK

Complaint narrative:
hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys XXXX and equifax i want all this hard fraud inquiries deleted or i will take XXXX and equifax to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap XXXX equifax XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX owes XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXl XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: NE

Complaint narrative:
I attempted to send {$25.00} to someone through their service on XX/XX/2019. They charged {$6.00} for their fee. The person never received it. I called them and they told me to wait a little longer it was still pending and it was my banks issue. I waited longer and it still did not go through. I called again and a new representative said it was a known issue and needed to be canceled and refunded to me and I would need to start over. They cancelled it, and I never received the money back in my account. They said it was my bank. I contacted my bank several times and XXXX XXXX said no money was ever refunded to my account. XXXX XXXX sent a letter saying they investigated the issue and JPay never refunded any money back to me. JPay has not responded to my complaints or emails. I want my money back. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19 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: NY

Complaint narrative:
I had applied for a XXXX account a few months ago. Upon checking my credit report with transunion it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: NY

Complaint narrative:
I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX  it shows XXXX inquiries instead of XXXX both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be XXXX inquiry not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: NY

Complaint narrative:
I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/2019 - It was reported that US Bank requested a copy of my credit report from XXXX, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of US Bank if I deemed this to be in error. 

The telephone # provided for US Bank was a recording regarding mortgages, after which the call disconnected me. 

I then called US Bank 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the US Bank agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact XXXX. 

XX/XX/2019 - I attempted to resolve this online with XXXX  however, was instructed to call the agency as the issue couldn't be taken care online. The XXXX agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact US Bank. 

I again called US Bank, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from US Bank ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/19 ... ... 

- Copy of my consumer report showing the inquiry - US Bank made the inquiry, UNAUTHORIZED, US Bank should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several US Bank agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which US Bank and XXXX have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have reviewed a copy of my credit report and notice that Portfolio Recovery Assoc. is reporting a collection account with a balance of {$4400.00}. Portfolio Recovery Assoc, has violated FDCPA rules and regulations by failing to produce me a written debt validation notice that includes amount of the debt, name of creditor, and notice of consumer 's right to dispute the debt within 30 days ( see 15 U.S.C 1692g ( a ) )  What obligation do I have to Portfolio Recovery Assoc.? I have no written contract with Portfolio Recovery Assoc. nor have I received benefits from them, yet they have furnished information to the credit bureaus against my name and social security number demanding I pay {$4.00}, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked EXPERIAN to place personal fraud statements on the account or send them to other credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 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: CA

Complaint narrative:
If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score.

Why?

I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CA

Complaint narrative:
If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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:
If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked XXXX to place personal fraud statements on the account or send them to other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
XX/XX/2006 student loans that were paid off by XXXX XXXX, when they transferred to XXXX my account was obviously not properly updated in XXXX XXXX records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of XXXX  My credit score is getting major impacted on these collections to ECMC. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My problem concerns closure of my credit card in the month of XX/XX/2019 with Capital One through no fault of my own. 
The problem occurs because the company refuses to give me my accumulated cash back in the amount of {$490.00} that has been accrued over the last several years. 
The company has indicated to me that that once an account has been closed they can not go back and issue money from that account to satisfy my claim for my money that was accrued in my account, This is tantamount to stealing my money that has been accrued by me over time. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
ON XX/XX/XXXX I GOT CHARGED {$36.00} TWICE FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED 4 TIMES FOR {$36.00} FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED ANOTHER {$36.00} ON XX/XX/XXXX I GOT CHARGED OVERDRAFT FEE FOR $ XXXX DUE TO GOING A COUPLE DOLLARS OVER ON XX/XX/XXXX I GOT CHARGED {$36.00} 3 TIMES FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED {$36.00} FOR ANOTHER OVERDRAFT FEE. I AS WELL ONLY HAVE A DEBIT CARD NO CHECKS OR ANYTHING THAT WOULD HAVE TO WAIT TO GO THROUGH FOR THE EXTRA FEES. I HAVE BEEN CHARGED FOR THE ONE TIME {$360.00} FROM OVERDRAFT FEES. 
I HAVE RECENTLY MADE A 2 HOUR TRIP TO XXXX IOWA TO TRY AND WORK SOMETHING OUT AND DISCUSS MY SITUATION AND MY OPTIONS. THE GENTELMAN SAID HE WOULD PUT IN THE COMPUTER THAT WE SPOKE AND LATER COME TO FIND OUT HE DIDNT AND AS WELL 3 TIMES A DAY US BANK WOULD CALL ON MY BALANCE. I HAVE A MEETING IN XXXX IOWA ON XX/XX/2019 AT THE US BANK TO DISCUSS MY OPTIONS AGAIN AND AS WELL OVER AN HOUR DRIVE. I HAVE EMAILED US BANK AND CALLED MANY TIMES AND EVERYONE HAS TOLD ME SOMETHING DIFFERENT. I HAVE ASKED ABOUT IF US BANK OFFERS HARDSHIP AND NEVER GOT DIRECTLY A YES OR A NO. IM ASKING ABOUT THAT BECAUSE FOR ALMOST 6 MONTHS I CAN NOT WORK DUE TO FINDING OUT I HAVE A XXXX XXXX WHICH THAN HAD TO FILE FOR XXXX. I HAVE OFFERED PROVE IF NEED BE TO SHOW MY HARDSHIP AND EXPLAIN THAT IT WILL BE SO HARD TO CATCH UP WITH SO MANY FEES AND WANTED TO SEE IF THEY COULD FREEZE MY ACCOUNT OR MAKE IT WHERE I COULDNT HAVE ANYMORE FEES ADDED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My identity was compromised while serving overseas. The following accounts were fraudulently opened in my name. I demand that the items be removed immediately. 

XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$46000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Last year I acquired a secured credit card through SunTrust as a way to build my credit score. As a condition of this credit card, I had to make a {$300.00} deposit on the card from my current Savings Account with SunTrust, which would be returned after a year of making regular payments on the secured credit card. 

After a year, my credit card was upgraded, but my deposit was never returned to my savings account. After calling SunTrust multiple times I discovered they had returned my deposit to me by opening a new Savings account without my knowledge. I received no notice that a new savings account had been created in my name and no information regarding the account details. I had to go in person to my bank and ask them to close the account and put the deposit back in my original savings account. As this {$300.00} Savings account created from my deposit was under the {$1000.00} minimum to waive monthly maintenance fees, my account would've slowly lost value due to monthly maintenance fees without my knowledge if I had not been proactive in closing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation