vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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:
I have a hard inquiry on My Experian and XXXX  credit report as of XX/XX/2019 from XXXX XXXX. XXXX XXXX says they never made an inquiry and to call Experian to take it off there is nothing XXXX XXXX can do about it. Experian says call XXXX XXXX and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from XXXX XXXX and the Hard Inquiry in on there from XXXX XXXX. XXXX XXXX says they only made the Hard inquiry to XXXX  and not Experian. XXXX XXXX has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only XXXX XXXX can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.

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 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 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: MO

Complaint narrative:
My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXXXXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXXXXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts 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 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
OCWEN FAILED TO FURISH 4 FRAUD INDUCED WIRE TRANSFER XXXX REFERENCE NOS, LOAN NO.XXXX. SEND DATE REC DATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: LEXISNEXIS
State: OH

Complaint narrative:
I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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:
I have a hard inquiry on My XXXX and Transunion credit report as of XX/XX/2019 from XXXX XXXX. XXXX XXXX says they never made an inquiry and to call XXXX to take it off there is nothing XXXX XXXX can do about it. XXXX  says call XXXX XXXX and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as Transunion goes someone fraudulently made a Credit Card application from XXXX XXXX and the Hard Inquiry in on there from XXXX XXXX. XXXX XXXX says they only made the Hard inquiry to Transunion and not XXXX. XXXX XXXX has found that the application for credit was fraud and the Transunion inquiry on my credit report should be removed but they told me to contact Transunion to do it. Transunion told me only XXXX XXXX can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.

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 2019-04-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a hard inquiry on My XXXX  and XXXX credit report as of XX/XX/2019 from Wells Fargo. Wells Fargo says they never made an inquiry and to call XXXX to take it off there is nothing Wells Fargo can do about it. XXXX says call Wells Fargo and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from Wells Fargo and the Hard Inquiry in on there from Wells Fargo. Wells Fargo says they only made the Hard inquiry to XXXX and not XXXX. Wells Fargo has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only Wells Fargo can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.

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 2019-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been trying to work out a debt with Wells Fargo but they just keep asking me for more and more documents. I started my process in XX/XX/2018 and it has been a down hill battle. Constant requests for information that seem irrelevant, including my divorce decree which I was told if I did not send it in I would forgo the right to a modification. Communication is a lost hole and people trying their best to resolve matters are lost in the process. I thought I would be successful in making my loan program but it doesn't seem to be the case.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a XXXX XXXX giftcard from XX/XX/2017 that I tried to use at the XXXX XXXX store. they said it's too old and I have to call customer service. The gift card does not have a expiration date on it or any terms to use within a certain amount of time. I called customer service and they had me scratch off the silver part and give them the numbers. I did and they said it has no money on it. how is that possible when it a brand new giftcard and I just scratched off the silver part now so there's no way any one could have used it at store or online.they said where's the receipt. i said its from XX/XX/2017. it says the date on the card and i don't have a receipt that old from XX/XX/2017. they said they couldn't help me. Please help me recover my gift card

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 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My student loans were serviced by Navient who repeatedly recommended and encouraged me to go into forbearance in XXXX and XXXX rather than make qualifying payments towards what would have been public service loan forgiveness ( PSLF ). This has extended my loan obligation and will in the end cost me thousands of dollars. It is only now coming to light through various reporting that this was a deliberate strategy on their part to get borrowers off the phone. I would be happy to provide whatever evidence is necessary for CFPB to take action against Navient for intentionally misleading borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I called XXXX on XX/XX/2019 and after several tries, I was told I need to contact the collection agency, EOS CCA at XXXX. I called the collection agency and reached talked to XXXX. I explained the situation, that my ex-wife XXXX XXXX opened the account without my knowledge, and I was never informed. He brought over his manager, XXXX, who kept pushing me to pay this to clear it, even though I explained the situation, I told him I was in the process of purchasing a house and needed this resolved quickly, but he still pressed me to pay it off. He finally gave me some vague information to file a report and they would review it, but no assurance it will be resolved soon or at all.

EOS Case # XXXX The amount owed is : {$2000.00}. 
No date information given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation
State: VA

Complaint narrative:
MY CARD AND CARD INFORMATION WAS STOLEN AND I HAD MY SOCIAL SECURITY DEPOSIT ON THAT ACCOUNT I NEED MY MONEY TO BUY MY MEDS I HAVE STAGE XXXX XXXX AND IS XXXX. I CALLED AND EMAIL THE COMPANY ABOUT THESE CHARGES THAT I DID NOT MAKE I WANT MY MONEY BACK IT WAS FRAUD AND I DID NOT MAKE ANY OF THE CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted Transunion to dispute hard inquiries on my report! The representative hung up on me and never once tried to call back. So unprofessional! 

Inquires disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries from 2017 was not authorized by me, I was in prison at the 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 explanation
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX   XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX  {$3600.00}, ( 3 ) XXXX XXXX XXXX  {$0.00}, ( 4 )  XXXX XXXX Bank {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 )  Missouri Div Chld {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts 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 non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I completed a sales transaction for an XXXX I was selling through a third party app ( XXXX ). However, the consumer stated she wanted to use the banking app XXXX ; a cash app that is available in the mobile banking. I was skeptical of the transaction, so I called Wells Fargo where a representative told me it was a secure app to use as long as the funds reflect on my account and instructed not to leave if the transaction was " pending ''. Therefore, I asked the consumer if she could XXXX me XXXX cents to make sure it would go through giving her my phone number to complete the transfer. She made the transfer and it reflected on my account, so I made the drive to complete the sale. We met, she loved the product, then she used XXXX to make the transfer of {$290.00} to cover the amount making the total purchase of {$300.00}, in which we agreed. Therefore, I transferred the {$300.00} dollars to my savings account and that's where the funds were up until XX/XX/2019. Until I noticed my Online Banking was frozen ; but unsure why until I made the call where I was told that {$300.00} was debited because she ( the consumer ) reported to her bank ( XXXX ) that she never made that transaction and was fraudulent, which is false. After hours and dozens of fraud claims department representatives, I was told the same thing. " File a police report, its out of our hands at this point ''. This would be a reasonable ; had they notified me at all about the situation, but NOONE at Wells Fargo or any representative called or texted me at all to let me know about the claim against me. I was told that they ( Wells Fargo ) received the claim XX/XX/XXXX and judgement was ruled and I was debited XX/XX/XXXX, which makes absolutely no sense. I was even told that they notified me by mail ( which was mailed out XX/XX/XXXX ), but I made my calls XX/XX/XXXX when I found out. I didn't receive that letter in the mail until XX/XX/XXXX. Wells Fargo made no attempt to contact me to make an appeal of some sort. I don't feel safe with my funds being banked at Wells Fargo no longer, after I was instructed that it was safe to use their app to complete cash transfers. I was also told out of sarcasm ; that if I bought multiple items on third party apps -ie. XXXX, XXXX, XXXX, etc., and I reported as fraud as well that I would get my money back the way she ( the consumer ) did to me. She ( the consumer of my XXXX ) now has my phone and her money. I am extremely irate, and I feel Wells Fargo handled this situation unprofessionally, and I feel Wells Fargo should be held accountable.

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 2019-04-09 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: CORELOGIC INC
State: OH

Complaint narrative:
I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC 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 explanation
Consumer complaint received 2019-04-09 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: Innovis
State: OH

Complaint narrative:
I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX five purchases were made on my Citicard MasterCard account. ( Account ending in XXXX ) At XXXX XXXX. that day, I was asked by text if I had made a purchase of {$170.00} at XXXX XXXX XXXX. I was in XXXX, CA at the time and replied NO. ( See XXXX text graphic ) That purchase was turned down but five others were made that day. The amounts are : XXXX XXXX XXXX {$91.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00}  XXXX  XXXX XXXX {$11.00} XXXX, XXXX XXXX {$43.00} Total = {$510.00} I did not make these purchases and I reported them all to Citicard. I included copies of the text I received and a copy of a police report I made in XXXX XXXX. ( attached ) My financial advisor relayed to me that some of my private information may have been exposed. I am presently working with a fraud prevention agency at the expense of my financial institution. In a letter to me ( attached ) Citicard maintains that because a card with a chip was used, and I had my card in my possession, they do not consider any of these purchases to be fraudulent. However, they have not shown me any receipts with my signature on them or any photographic evidence that I appeared at any of these places at the time of the purchase. They did not notify me when they finished investigating. I found out because I made a telephone call to them. I consider their behavior to be grossly irresponsible and careless. The phone number to reach them is on the letter and I will repeat it here : XXXX-XXXX-XXXX-XXXX  I was given a new Citicard account that ends in XXXX. The name on the card is XXXX XXXX. Last four SS digits : XXXX Note : The police report was filed for continued fraudulent activity in the XXXX XXXX and XXXX, CA area in XXXX, XXXX, involving my XXXX Credit Card, but not Citicard. I informed the officer of the Citicard activity and told him that I believe all this fraudulent activity was done by the same individuals.

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