vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: VA

Complaint narrative:
I contacted Experian on XXXX to inform Experian that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. 
XXXX  XXXX {$720.00}, XXXX  XXXX {$0.00}, XXXX XXXXXXXX {$0.00}

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau XXXX XXXX refuse to remove an accurate information pertaining to a public record. I went to the furniture of the information obtained a letter stating that the information Is reporting in error and they refuse to remove the information. I would like for them to remove in accurate information immediately per the fair credit reporting act. Attached is the document from the federal courthouse of XXXX Georgia stating that the information is reporting in error.

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 2021-06-18 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: Account Control Technology, Inc.
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CA

Complaint narrative:
I was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial XXXX  and 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 2021-06-18 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: CA

Complaint narrative:
I was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: AL

Complaint narrative:
Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove or update the item " DEPT OF VETERANS AFFAI Account Number : XXXX ''. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws. They have sent me a letter stating that the account was paid in full and was not a collection account. If you were doing your proper investigation you have caught this error. This shows that you are lying about your investigation process.

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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
I contacted this company recently because I am attempting to verify this debt before paying it/doing anything to attempt to get it off of my credit. The company attempting to collect is National Credit Adjusters, and on my credit report it claims that I owe XXXX dollars for a debt that was taken out in XXXX XXXX XXXX XXXX XXXX XXXX potentially a subsidiary of XXXX XXXX XXXX? ) in XXXX, which is absurd because I lost my job then due to coronavirus and have been going out of my way to clean up my credit since then, and opened no new accounts. I therefore called the company to attempt to obtain a copy of the original invoice and verify whether or not I did owe this debt at all before paying. When I contacted the company the person I spoke to got very flustered and said, her words not mine, they could " try and get the invoice. '' I asked whether or not they had it and she said " well you did take out a credit card in XXXX '' and I told her that it wasn't showing up on my credit as being from XXXX, but from XXXX, and also that I was asking them to provide me with a copy of the original invoice, and if they couldn't do that that they were legally not allowed to collect the debt. She told me that she couldn't do that. I then asked to speak to her supervisor who kept talking about XXXX, and told me I couldn't have a copy of the phone conversation in which the previous employee admitted to not having the invoice, and said I might receive one within 30 days- but I was under the impression they had to have it in their possession in order to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XX/XX/2021 i had started a job working from home, i was sent the equiptment and asked to use the funds provided for specific reasons to the job duties that i was informed of via an employment contract, the funds cleared and posted, I was then a month later told the funds were counterfiet. After having already stopped the transactions because the amount of money made me feel uncomfortable, the following 2 fraud disputes were filed and denied leaving me responsible for the debt of {$14000.00}. I took internal care of noticing the money was becoming excessive and the money was no longer autorized by me, i quit the job. However a month later they charged it all back to me and denied me any claims assistance. Please tell me how I can proceed with a forced closed account with Bank of America owing {$14000.00} at this point. I was misled with false information several times during the claims and denied. I also believe the checks were not countefeit.

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 2021-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: MI

Complaint narrative:
There was a loan taken out by someone else in my name and the company, speedy cash, has since sold my information to a 3rd party debt collector, AD ASTRA recovery. I did not authorize or consent to the selling of my information and now AD ASTRA prints the debt on my credit report every month when I didnt even give them consent to access my credit report in the first place, let alone furnish incorrect items on there every month. This not only violates my rights as a consumer under the FDCPA but also under the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: U.S. BANCORP
State: TX

Complaint narrative:
the thing is my boyfriend died and he has no living relatives I am his girlfriend. I am not responsible for his credit cards. I try to tell the Harley-Davidson company for the XXXX XXXX  card that he is deceased and dead and they still keep calling me and sending me bills to pay up. I told them he died XX/XX/2020 they can look into the coroner 's office in Texas. My name is not on this credit card and I will not pay for it. 
Name of the company is XXXX XXXX  Harley-Davidson Visa. The account is under XXXX XXXX. He passed away XX/XX/2020. I have sent the company knows I'll talk to people on the phone telling him that he has deceased. I will not be harassed. The amount of the bill is {$540.00}

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 2021-06-18 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: VA

Complaint narrative:
I contacted Equifax on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXX {$0.00}, XXXX  XXXX {$0.00}, XXXX  XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a credit card account with chase showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, Equifax and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # XXXX you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MD

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I'd sent to Wells Fargo a letter inquiring about two accounts listed on my credit report from them. XXXX came and I had received no letter back from them and XX/XX/XXXX I proceeded to fax over a failure to respond. I received by email from them about a week later that they'd received my correspondence and would get back to me. I ended up calling and speaking with one of the representatives in XXXX who assured me my mail had not been sent to another address. She told me all correspondence had been mailed to my current address. By XX/XX/XXXX I'd finally gotten the documentation I'd originally asked for in XXXX. As well as confirmation that my mail had been sent to another address that is about 7yo. The letter also stated that I'd never updated my address with them however in XX/XX/XXXX they had my address when I initially asked about the account. Looking through the paperwork they'd sent me and what they'd sent to the other address my XXXX name and last 4 of my social security number was listed on multiple documents. The bank did not do its part in protecting my information. I have no idea who lives at the address where they sent my mail to. I feel I was lied to when the lady I spoke with assured me no mail had been sent there. This irresponsibility has set me back for an additional 3 months due to waiting on documents as well as the potential for someone to use my information to obtain credit in my name. My address was updated with them as of XX/XX/XXXX. I have since had to place a lock on all accounts in hopes to stop potential use of my information. This action costs money of course. It was my thought that according to FCRA responses to consumers should be within 30-45 days. I called the credit Bureau as well who advised of what actions to take. They also provided confirmation that the address used by Wells Fargo is also not listed on my credit report. XXXX is well beyond the 45 day mark and I am hoping to have some resolution regarding this issue. I feel this entire situation was due to someone negligence as they had an updated address yet chose to send correspondence to an address they had listed on an application as they stated in their letter to 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
Consumer complaint received 2021-06-18 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: VA

Complaint narrative:
I contacted Transunion on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXXXXXX {$0.00}

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 2021-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Below is my original complaint regarding Bank of America : Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts.

2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

In addition, they have reversed two XXXX charges without investigating my dispute. These reversals caused my account to become overdrawn and they charged me overdraft fees. Also, they did not refund the monthly maintenance fee for my savings account. Without notice, they started charging a maintenance fee on my savings. They have also closed my savings account due to the negative balance caused by the fees and have said I will be reported to a consumer agency for the closure of the account for having a negative balance.

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 2021-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/21, PNC Mortgage issued me a closing disclosure that showed my seller negotiated closing costs correctly as {$8500.00} ( 3 % of {$280000.00} ). Doc attached. 

Two hours before closing on XX/XX/21, PNC Morgage revised the closing documents to show that the seller negotiated closing costs incorrectly as {$7700.00}. PNC Mortgage did not inform me of this change, my title company did. 

When I asked the title company rep about the reason, she said that PNC Mortgage said they couldn't make the numbers work. This is unacceptable and forced me to have to bring an additional {$820.00} to closing. 

I have made multiple attempts to get resolution from PNC Mortgage with no success. They are no longer communicating with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Hello, I have a Barclay 's Wyndham Rewards Visa card - the one with the {$75.00} annual fee. Since I'm not traveling lately, paying the annual fee to receive the associate benefits is irrational. So, several months ago I called Barclays by dialing the number on the back of the card to request to be downgraded to the Wyndham Rewards Visa card with fewer benefits and no annual fee. The agent on the phone advised that I would be downgraded to the card with no annual fee and I could still use my original card and I wouldn't need to take any further steps. Well, I just looked at my monthly statement for XXXX, and I've been charged the {$75.00} annual fee.

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