vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 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: PA

Complaint narrative:
Ive faxed and mailed several letters to Equifax, XXXX and XXXX stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries was delisted on my credit report after they were deleted. These inquiries are not mines. 


Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXXl Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from  XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Auto Dealer Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A business associate who also lives in Georgia earned a commission and on the memo line of the online bill pay I wrote the name of the client for whom the commission was earned. The XXXX of XXXX XXXX XXXX department of Chase Bank flagged the transaction on XX/XX/18. The amount of the payment is {$8800.00} and the funds have been suspend for over a month now. The XXXX department is requested personal information on the person listed in the memo line full name ( first, middle and last ), the date of birth ( mm/dd/yyyy ) and place of birth for XXXX XXXX I don't have access to this information and it's none of my business. 

I've escalated this from the online baking department to the branch to the branch escalation department to the executive office to the manager of the executive office and there has no progress. I've XXXX filed a complaint with XXXX and they haven't responded. I've contacted an attorney and he says I have no rights. I've contacted the office of my XXXX who's on the XXXX XXXX XXXX and they have responded. 

I need help resolving this matter and getting these funds back. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: MI

Complaint narrative:
There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense

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 2018-07-09 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: TX

Complaint narrative:
The account below was deleted and readded a year later. The account was used for fraud. I have added the fraud form given to me by bank. 

XXXX XXXX XXXX + {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: PA

Complaint narrative:
Ive faxed and mailed several letters to XXXX, Transunion and XXXX   stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is 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 2018-07-09 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: PA

Complaint narrative:
Ive faxed and mailed several letters to XXXX, XXXX  and Experian stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is 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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-07-09 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: MI

Complaint narrative:
There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense

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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ross, Stuart & Dawson Inc
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX got leads for me, just prior to the XX/XX/XXXX workshop, our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said he couldn't use the leads ( for potential life insurance ) because he'd be required to have a Certified Public Accountant ( " CPA '' ) license. The leads were from a tax course but I thought the company only did the marketing, didn't realize the tax company I wanted to use was " XXXX XXXXXXXX XXXX. '' I later talked to my regional sales leader, XXXX XXXX who said we could use the leads.Anyway, went forward ( {$11000.00} bill ) because didn't want to leave the nice woman in a lurch ( XXXX XXXX ). The people showed up but then I was liable for the bill. I was offered a payment plan by the staff then the owner calls and demands a large deposit ( I'd already paid {$500.00} and paid separately for the tax course ), which I didn't have. He sent me to collections, made a pay arrangement of about {$1100.00} @ month. Made two payments but now found out the leads may be used so am awaiting outcome of a decision regarding this via my Congressman XXXX XXXX. In the meantime, XXXX XXXXt ( Atty XXXX XXXX ) ( XXXX ) insists on calling me at work, then when I tell them to call me on my cell, and that I'm working on getting them paid ( and also keeping XXXX apprised via email ), they keep calling my work, talking to my boss, making demands, and sending the bill to my work email. They just called me at work twice today, last Friday, 2-3 times.I have a very reliable friend who was going to help me out with this back in late XXXX, early XXXX, but he got really sick and is just recovering. 

The last time I put on an event ( " XXXX 's Purple Purse '' domestic violence award XX/XX/XXXX ) for my boss it was so time consuming, that I was glad to see XXXX XXXX XXXX. They are very good and get the " butts in seats. '' I wanted to be fair and make sure they were paid, and keep their goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I currently have an open Conventional first mortgage account with Wells Fargo, however they are reporting the account as paid and closed as of 2013. I am a co-signor on the note and show on the monthly mortgage statements. I have tried to dispute with the credit bureaus and Wells Fargo, but they continue to report the account closed. I would like the account to reflect accurately as open with a current balance and positive payment history.

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 2018-07-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I added an authorized cardholder who is my girlfriend 's brother. Then I tried to use my Member Rewards of XXXX Platinum to transfer to XXXX miles. However, " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' the above statement shown on Amex website. Till now, I still haven't received any email or mail regarding " Member Rewards Review ''. It will take six to ten weeks to finish this process ; stated by the agent. I think I deserve every single point I earn from purchases. Amex should draw a line that some points might be suspicious if they want to investigate instead of having all points frozen. That makes nonsense for customers to pay {$550.00} annual fee to earn points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
As of XX/XX/2018 I noticed a added debt on my XXXX  credit report from Debt Recovery Solutions. This debt is in the amount of {$53.00}. The original creditor sold this debt to another company previous to Debt Recovery Solutions. This debt was paid and closed due to insurance has paid the original creditor. Also, when I disputed this same debt, a letter was sent that it would be removed and closed. Now this again. Please note, I have never been contacted in anyway by Debt Recovery Solutions or had no idea my information was sent to them. The information never had my consent to be sold nor do I have any contract or dealings with Debt Recovery Solutions. Medical information is very personal and I feel my HIPAA rights have been violated. By Law, you can not add a debt to anyone 's credit report without notifying them first. I have reached out to an attorney regarding this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: UT

Complaint narrative:
I issued a statement to the CFPB regarding Discover Card, to which they launched their own " investigation ''. Well, a shameful and despicable company investigating its own conduct is like me robbing a bank and then being put in charge of the robbery investigation! 

My initial case was assigned to XXXX XXXX, who is every bit as deceptive as this company. First, I have RECORDED CALLS of her saying that while this issue is in dispute, I would not be charged any late fees. Sure enough, I was charged late fees. Second, the " evidence '' she submitted had the wrong address on it, which was part of the initial complaint. Third, she said that the harassing collections calls from " spoofed '' would stop immediately, to which they didn't. I received another three collections calls from your spoofed numbers within a 48 hours period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I opened my checking account with TD bank branch on XXXX XXXX XXXX in XXXX, NH on XX/XX/2018 as a non resident. The bank closed my account on XX/XX/2018 without any warning. I tried to log in online and all my credentials were denied so I emailed the store supervisor named XXXX XXXX inquiring about what was going on and her answer was that they closed my account because they needed additional information from me but could not reach me with the phone number I provided. She claimed that they called me 5 times and left voice messages though I haven't seen any missed call or voicemail. They did not send any official mail to the address I provided when I opened the account to let me know they needed more information or use my email address that they have to let me about the issue. I feel abused and confused as to why they closed my account this way and I haven't done any suspicious activity on my account or harass any of their employees. The only transactions I've been doing are either buying things online or in a store or transferring money from my XXXX account to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Bank in XXXX, Georgia " apparently '' closed business checking account on or about XX/XX/2018. There was a balance of approximately {$3000.00}. This account belongs to a Collection Agency, specializing in commercial collections. Consequently, 75 % of the funds held DO NOT belong to the company, but belongs to third party clients. 
We have telephoned Suntrust on multiple occasions and NEVER received any information. On XX/XX/2018 a certified letter was written to XXXX XXXX XXXX XXXX, President of Suntrust, sent certified mail, return receipt. The letter was received. As of today, XX/XX/2018 there has been NO response, and no funds received and nothing back to the clients whose funds were deposited.

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 2018-07-09 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: SC

Complaint narrative:
On XX/XX/2018 I sent a letter out to XXXX  and Experian disputing the accuracy and the method of verification for student loans amounting to {$20000.00}. Both Experian and XXXX  failed to mark all the student loans accounts in question as " disputed by consumer '', per law within 30 days. Furthermore, XXXX has already deleted this inaccurate and unverifiable accounts as of XX/XX/2018 ( see attached documents ).

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 2018-07-09 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: OH

Complaint narrative:
XXXX  Account number XXXX  amount {$840.00} XXXX XXXX XXXX account number XXXX   amount {$320.00} XXXX XXXX XXXX XXXX Account number XXXX  for {$290.00}

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 2018-07-09 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: CO

Complaint narrative:
On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results

Company response to consumer: Closed with non-monetary relief