vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2020-02-10 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: AR

Complaint narrative:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX dealership to purchase a vehicle. I purchased a XXXX XXXX XXXX. I slightly knew my car salesman so I was ok doing business with him. " I thought ''! I came into the dealership around XXXX XXXX and begin the actions of purchasing the XXXX SUV. The salesman sat and asked for my employment and he asked some other questions. Afterward, I passed him my driver 's license and he ran to do a credit check. He ran back excitedly about 5 min later and threw my employment information on the desk in front of me and yelled, " You're Approved! '' I was confused because I knew my credit score so I knew I would be approved I just wanted to have a good interest rate approval. That was not the case at all, my credit score is XXXX  now, and it was the same at the time of the vehicle purchase. I asked the salesman what is my interest rate? he hesitated, then finally said 9.645 % I said " WHAT! '' So I said you went with the first bank? You must try another one. Afterward, he went and grabbed his supervisor, he was being very dishonest to justify the very high-interest rate. I just couldn't believe my ears! So I asked the salesman supervisor what's going on with my interest rate? He replied your zip code and credit score decide your interest rate. FLOORED! My credit is XXXX. Be aware!

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 2020-02-10 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management System # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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:
XXXX XXXX XXXX # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be 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 2020-02-10 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be 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 non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: UT

Complaint narrative:
I was approved another Discover account with a {$3000.00} credit limit with a Hard pull on my XXXX  credit report recently. However after receiving the credit card by mail. Discover then locked the card and stated they needed verify my identity but after more research I was informed they needed for me to sign off on a 4506-T to verify income however Discover own legal application process allows customer by law to include combined household incomes including stocks and bonds and business income. Matching tax returns income for an approval or denial when their is combined household income to me is " Income Discrimination '' additionally this isn't an industry standard procedure with other lenders. Furthermore, I am concluding this random check is due to fraud that wasn't properly resolved on a former account that I have tried actively try to resolve with no resolution.That account is reflecting a fraudulent balance of {$350.00}. Discover has both police reports information in regards to that matter. I applied with Discover seeking to develop a solid relationship with the bank for a longterm plan. This procedure should be modified to ensure the process doesn't discriminate against people with various incomes sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1ST FINANCIAL, INC.
State: VA

Complaint narrative:
Every month I receive an " Expiration Notice '' regarding accessing my equity through my mortgage company. The " expiration notice '' is NOT from my mortgage company. The notice is from a third party : 1st Financial , Inc . This third party uses my current mortgage company 's name in their notice as way to appear legitimate. The purpose of 1st Financial, Inc. is what I believe is to obtain my personal information. Why would they mail an " expiration notice '' every month and request I call them to discuss how to access my equity. I have called their XXXX to request removal of my name from their mail list but their is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes. 

I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: TX

Complaint narrative:
This company has refused to VALIDATE this debt is owed. They also have clearly violated my Hippa rights and have sent no proof that I gave permission for them to have my medical information. 

The original creditor XXXX XXXX asked plusfour to remove this debt from my credit on XXXX XXXX and they absolutely refuse. They stated that I need to provide them with all proof and they dont need to validate it. I spoke to XXXX a supervisor and she also stated they refuse to send me the contract or any VALIDATION provided by the hospital. They can only send an itemized bill. I have attached the proof directly from the original creditor that I DO NOT OWE THIS DEBT. The original creditor did not bill my insurance company in time, there for it was a billing error and I owe absolutely nothing. XXXX XXXX is reaching out to plusfour once again to ask them to remove it and I am now filing a Hippa complaint as well as one with 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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NE

Complaint narrative:
A complaint letter is attached as there is not sufficient space in this box to fully elucidate the issues I am having with BSI Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX {$450.00}

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 2020-02-10 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: AR

Complaint narrative:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXXXXXX XXXX XXXX {$450.00}

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 non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: TX

Complaint narrative:
this is a follow up of my original complaint If i understand the SECONDARY l complaint has been or is gon na be removed from my credit involving XXXX  The ORIGINALl complaint involves XXXX XXXX  and LENDING CLUB I have no idea how this loan was structured the information that has been previously provided pertain to the original lenders and i suppose was sold to XXXX  for {$1000.00} please look over the original info to help clear Not sure if these numbers are important or not or which ones necessary here they are XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MS

Complaint narrative:
I originally borrowed XXXX in student loans maybe 20 years ago. I pay {$67.00} dollars a month based on my income. I now have a bill of {$520000.00} in student loans from FEDLOAN which bought it from XXXX. I have been a XXXX  in Mississippi for over 20 years in low income, low performing districts. Recently when i inquired about loan forgiveness they indicated that I didn't apply for it 20 years ago! This is the first time i was ever told i had to apply for it 20 years ago! They indicated that they are charging me {$99.00} per day in interest! This is crazy. My Net Pay is {$2700.00} per month. There is NO POSSIBLE WAY i can ever pay for the loans.Can you please help. I can't even buy a house or anything because this over inflates my income to debt ratio. ive served my community, state and nation proudly as both a XXXX  and a veteran. Can you please Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing Incorporated has been relentlessly harassing me with debt collection phone calls for the past few months. They have been using deceptive tactics to harass me such as using an VOIP number to spoof the local area code of the harassment victims number. Also when questioned, they will not divulge they are a collection agency on the phone.I would like to sue Convergent Outsourcing Inc. for the maximum {$1500.00} per harassing phone call made to this number. They are attempting to trick me into making a payment on old zombie debt years passed the Statute Of Limitations in order to reset the SOL making old zombie debt legally actionable again. I am aware of my rights and the laws regarding debt past the Statute Of Limitation and I WILL NOT be making any payments now or ever on old zombie debt past the SOL. I am requesting that Convergent Outsourcing Incorporated Cease and desist any and all attempt to contact me again or make any further collection attempts on the account associated with the phone number listed above.

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 2020-02-10 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: IN

Complaint narrative:
To Whom It May Concern : I am completely distraught after I tried for the third time with Transunion to remove a Chapter XXXX  bankruptcy that was fraudulently filed in my name. Docket XXXX Date showing filed XX/XX/XXXX and paid XX/XX/XXXX from US Bankruptcy Court Attorney XXXX  XXXX XXXX. I did not file this bankruptcy and I have been sending them documents since XX/XX/XXXX. I've even hired a reputable credit repair business to assist me and Transunion is refusing to remove it. As you can see this is of a serious matter and affects everything from credit card to loan applications. A Transunion agent was yelling at me on the phone today screaming in my ear that they did not receive my documents which is a blatant lie. I decided to turn to file this complaint as no other option.

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 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: FL

Complaint narrative:
I have never had a XXXX test in this hospital, for months I have tried to communicate with the hospital and the creditor of this debt and I do not receive answers, just as I never received a document or information about this account Creditor Information opened XXXX XXXX {$240.00} Original creditor : XXXX XXXX XXXX as Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which they refuse to do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have paid off my credit card in the full amount of {$9000.00} on XX/XX/2020. Due to the larger amount of money making it through the ACH system the full amount was delayed and did not make it on XX/XX/XXXX, even though originally when I started the deposits the money was expected to make it to the US Bank account by XX/XX/XXXX.

US Bank has charged me {$39.00} fee, plus {$2.00} minimum interest, even though I paid off the card in full.

These are exhorbitant fees representing infinite interest rate for an account whose balance is {$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 monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover I have filed Multiple disputes with the credit bureaus as well as the CFPB on your company and you still havent deleted the item that I am disputing its the Discover account XXXX I explained to you that the transferring of this debt was missing in which you have yet to fixed I will need for you to delete this account from all credit reporting agencies 2nd violation you are not noting the required noticed of dispute with out this information the account must be remove immediately this is a federal law that you must delete this account for failure to do your job Fcra 611 and They are debt practice and act 806b

Company response to consumer: Closed with explanation