vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
With the new federal law that recently went into effect, I decided that I wanted to establish a Credit Freeze with the 3 major credit reporting agencies. I had no problem registering and establishing the credit freeze for myself with both XXXX XXXX and XXXX. My complaint is with Equifax. I was able to establish my login UserName and Password on Equifax 's web site back in early XXXX, but then was not able to turn on the Security Freeze. Every time that I have visited their site since then, I have been unable to even login to their site - with the goal of establishing my Credit Freeze. I have called their Consumer Care Agent 4 different times ( at XXXX ), and each and every time, I was told the same very specific response : " We are experiencing problems with our servers at this moment. Please revisit our web site again in 13 to 60 minutes from now and try again. '' Yes, they were very specific : " 13 to 60 minutes ''. I believe that is just a " canned answer '' that they are reading from a script. This has been going on for 2 months now, so I feel that I have no other place to turn, other than to lodge this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/18 To whom it may concern ; In XX/XX/2018, my cell phone was stolen. My phone had my bank card attached to my XXXX account. Whoever stole my phone, Im assuming it was a kid, downloaded a bunch of games onto the phone and began making purchases on these games through XXXX XXXX. XX/XX/2018, I was diagnosed with a XXXX  XXXX in the right side of my head and ordered by my doctor to take it easy. At this point, my husband began controlling the finances until after my XXXX on XX/XX/2018. He doesnt have access to my online banking information to check transactions on my account. 
On XX/XX/2018, I had logged into my banking mobile app ( Bank of America ) and found all the fraudulent charges and called to dispute them. Now, my bank is telling me that they lost the dispute to XXXX because XXXX say the transactions are accurate when they arent. What I dont understand, is they approved one set of fraudulent charges but on the large amount one, they denied it. I am disputing these charges because it was not me who made these transactions and just because I was sick with a XXXX in my XXXX, not checking my bank account on a regular basis, I should not be held accountable for these transactions. 
I am attaching 3 separate dispute claims with this, 2 of which they approved and 1 that they didnt, when they were all for fraudulent transactions resulting from the loss of my phone. I am also attaching the documentation from where I had to get my new phone a couple weeks after it was stolen. It took me almost a month to be able to get another phone because of this money being gone. 
My bank says that XXXX declined giving this money back because it took me too long to notice the transactions being made on my account and that if I wouldve caught it sooner, they couldve stopped. I was sick at the time with a XXXX in my XXXX. As soon as I found out about the transactions is when I called my bank to dispute them. I was not checking my bank account app like I normally do. This is fraud and I need help getting my money back. I can also provide all medical documentation necessary for during this time period as well to prove I am not lying. Please get back to me and let me know if any additional information is needed from my end and I will get it to you 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 2018-11-20 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: IA

Complaint narrative:
attached is a copy of the complaint that has been sent to experian twice they refuse to do anything

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 2018-11-20 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: TX

Complaint narrative:
The collection account below is not mines. I have disputed over the last two years. This is not mines not sure what I need to do to prove this. I may file a lawsuit against this company. 

XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$4100.00} Needs Attention

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 2018-11-20 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: IL

Complaint narrative:
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from TransUnion, XXXX  and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, TransUnion, XXXX  and XXXX has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries 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 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found 2 late payments on the dates below : XXXX 2018 I always make my payments to you when I receive the statements. The statement has obviously gotten lost in the mail and never got 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 monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted both Experian and XXXX regarding this issue. 
Experian conducted an investigation and despite verifying that they received false information from XXXX on accounts that have been closed for over 8 years, they refuse to remove them from my credit report. 
Furthermore, XXXX continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now. 
Both Experian and XXXX are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both. 
The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to Experian '', or " talk to XXXX '', which I have done - repeatedly - with no resolve.

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 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NC

Complaint narrative:
I received an email back in XX/XX/2018 from Solid Oak Finance after I had applied for a personal loan through a different lender and been denied. I had a need for car repairs and needed to come up with the funds quickly. I completed the loan application was approved and funded the next day from the Cash Advance/Payday loan lender. Since that time I have repeatedly attempted to find out the payoff amount and, on the few occasions anyone has bothered to reply to me, the amount is always higher than the initial loan amount of {$320.00} -- I have now paid {$2100.00} for a {$320.00} loan and have been informed that I would STILL need to pay in excess of {$500.00} to payoff said loan. I have also been told that this type of loan is also ILLEGAL in NC but am not 100 % certain if that is the case or not ; all I know is that I have paid literally thousands more than I should have out of a stupid and desperate need and this company should mark my loan as paid in full and also refund me at least {$1500.00} in the excessive fees. I am attempting to close my bank account to stop this but it is an extremely difficult task as I have numerous household bills debited monthly as well as direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was listed as an Authorized user on a my mothers Wells Fargo Credit card. I have asked several time to me removed form this account with no help from Wells Fargo and them also telling me it was to bad your on and can't be removed. My Mother has since claimed Bankruptcy and that card was filed in it and has been closed. I have ask since then also to have the information removed with not help what so ever.

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 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was a victim of Hurricane Florence and the Tropical Storm that occurred in North Carolina. I informed each of my credit card companies that my job had us out of work due to the damages that occurred and that I would not be receiving any paychecks. I was still charged excessive fees and they did not work with me, but broadcast on their website that they care so much about the victims affected. I am unable to pay the fees that were charged back to these companies. I can take care of what I owe personally but the fees need to be forgiven so that I can get back on my feet. My credit score has dropped terribly because of this. The representatives are cold and inconsiderate and always state that there is nothing that can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 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: Nelnet, Inc.
State: VA

Complaint narrative:
I have contacted both XXXX and Nelnet regarding this issue.

XXXX  conducted an investigation and despite verifying that they received false information from Nelnet on accounts that have been closed for over 8 years, they refuse to remove them from my credit report.

Furthermore, Nelnet continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now.

Both XXXX and Nelnet are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both.

The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to XXXX '', or " talk to Nelnet '', which I have done - repeatedly - with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
I wanted to file a complaint about my background check saying that it isnt fair that I cant not work just for something that happened in the Past I am trying to change my life and whatever happened in 2016 with my charges I was just w the wrong people that i got blamed for so its not fair that Im trying to better my life and work so please just give me a chance i want to provide For my family I want to work so I can better myself and show others that it is possible

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 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a call from an unknown number stating that a certified letter was going to be delivered to me on XX/XX/XXXX between XXXX and XXXX XXXX. I was instructed to call XXXX and refer a reference number to prevent any further action. I called the number and was told that Wells Fargo, previously known as XXXX XXXX is filing a law suit against me for a debt that I owe on a checking account. My checking account was closed with that bank 15 years ago. I attempted to call the bank but without the account number, I did not get anywhere.

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 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates is reporting 3 collection accounts on my credit reports. When I disputed them and asked them to provide validation of the debt, they only responded with credit card statements for each account. This is NOT validation that I owe them. They need to provide original signed contracts with the lender or they need to remove the accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient Loan Servicing is contacting me daily via my personal phone number, my work phone number, my brother through phone, my personal postal mail, postal mail to my work, and my brother 's postal mail in order to collect a debt. In XXXX of 2018, I received mail correspondence stating that if I made 3 payments in the amount of {$60.00} for 3 months in a row, my account would be considered up-to-date. I made the 3 payments and the calls and letters still continue. They called my work phone number on XX/XX/18 wanting me to verify my social security information which I refused to do ( I do not have the privacy to give that information out over the phone at work, plus they should have that information if they are trying to contact me so much, even after I'm doing what they are stating that I should do in their letters to bring my account current. ) I am tired of being harrassed by them for following the requirements set forth in their correspondence with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
I am a victim of Identity Theft. This began in XX/XX/2015, after my wallet was stolen. Inside my wallet was my Drivers License, Social Security Card and email addresses. I didnt notice this was occurring until recent. I notified TransUnion of FRAUD that has been occurring on my credit report. I show two FRAUDULENT. Accounts that I am requesting to be blocked, as these were opened after my identity was stolen. TransUnion refuses to assist with the fraud, and continues to ignore the Identity Theft Affidavit that I have attached. Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX  accounts. That I did not authorize. This is not a dispute. This is a statement that I am a VICTIM OF IDENTITY THEFT. Therefore please follow the proper laws in blocking the accounts that have been opened fraudulently.

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 2018-11-20 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I've been disputing Chase on a charge in the amount of {$530.00} by XXXX XXXX XXXX on XX/XX/18, credit card acct # XXXX ( XXXX ). On XX/XX/18, I, in error, paid chase {$540.00}. I called and verified my payment details with the manager at XXXX via a conference call with XXXX XXXX. However, Chase only refunded {$450.00}, on XX/XX/18. Chase still owes me {$88.00}. Several months later chase put {$450.00} back on this acct. Chase have consistently lied to me, refused to return my calls, or resolve this issue. 
XX/XX/18 I retrieved mail from my XXXX XXXX . Enclosed were copies XXXX XXXX XXXX sent to Chase. XXXX ( chase ) sent the copies ( 16 pgs. ) to me XX/XX/18. These documents have my detailed payment transaction to XXXX. They show the last 4 digits of the card used ( XXXX ), exp. date, my name and address at the time, and date of transaction, XX/XX/18. Nowhere in these documents does it show the use of a chase card # XXXX. This is irrefutable proof that chase refuses to acknowledge. 
I appreciate your attention to this matter. 
Thank you, XXXX XXXX, Ph. XXXX XXXX XXXX. 

Ps : I have attached 4 pgs. of 16pgs. as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently learned that XXXX XXXX on behalf of JcPenney is reporting to the credit agencies that they filed suit regarding my account. At no time have I been notified or was notified that XXXX XXXX   filed suit in XX/XX/XXXX. How can this be if the account was opened XXXX XXXX. This account didn't become late/become a bad account until XX/XX/XXXX according to XXXX XXXX XX/XX/XXXX response ( letter attached - 4th paragraph ) to a another CFPB complaint that I filed therefore why would XXXX XXXX file suit. In addition, there is no information indicating that they filed suit any of the prior complaints that I filed about XXXX XXXX. 

I never received a letter, call and nor was I served regarding this account. 

I want XXXX XXXX to delete their tradeline/public record information from all of my credit reports : XXXX, XXXX, XXXX 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 2018-11-20 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: CO

Complaint narrative:
I submitted claim # XXXX on XXXX-18. Equifax responded to me - received XXXX-18.

Their 4 page response had this at the end. 1. Current address has been added. 2. We have reviewed your concerns and our conclusions are : Your Equifax credit file is currently blocked for promotional purposes. 

I knew before their report that my credit file was blocked. Can they block my file " for promotional purposes ''? If they can do what they want with my file, how can I get it pulled ( deleted ) from them? 

I think this is a regulatory issue. Please tell me how the law and regulations apply to my case.

Company response to consumer: Closed with explanation