vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
I have contacted this company, as well as the creditors listed, numerous times over the last nine months in regards to these accounts which have been fraudulently opened in my name, asking for validation or removal. Rather then performing an actual investigation both the company and the creditor neglected to do so and directed the blame back to the other, prohibiting me from having these fraudulent items and incorrect names and address and socials removed from my credit report, causing me undue financial and emotional harm. I have fortunately been able to get the majority of the personal information updated and/or removed from my account, however, the actual fraudulent accounts that were opened remain on my report. After much frustration on my part I was instructed to file a police report which I did at the beginning of XX/XX/2018. While the report resulted in the removal of 2 accounts I was told it was not specific enough for the remaining items on my report and that I should file an identity theft report with the FTC. A few weeks ago I filed requested reports and faxed them on the XX/XX/2018. Even though I did as I was instructed to, this company stated reasons that are in the alternative, and failed to block requested information or provide reasoning as required by law. I consider their decline to block as insufficient in even identifying its specific basis. I attached a copy of the police report and the identity theft report along with my proof of identification and statement that the accounts or any transaction thereon were never authorized by me to the fax I sent and met your burden of proof. Your option to decline requires more than just a statement of their possible reasons to do so under the statute. 


Treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent or not. That is why the identity theft blockage provision of section XXXX exists, to bypass the need to consider proofs. I have no proofs to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage, not contest the accuracy of its reporting.

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 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
Applied to XXXX for their credit card. Received a reply from XXXX XXXX XXXX, that, using XXXX XXXX my credit app was denied because I am DECEASED. Most assuredly I am not. I have called XXXX, left a message and no reply. 

This is sloppy credit investigation, poor scrutiny and lousy fact checking. This company needs to be closed.

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 2018-07-05 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: UT

Complaint narrative:
I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their  lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!

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 2018-07-05 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!

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 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My ex husband removed bonds from a joint safety deposit box. He cashed in bonds that were in mine and my children 's name at Bank of America. I had the US treasury do a search and I have copies of the bonds the signature on the bonds is my ex-husband 's name. From what I understand on the US treasury and B of A management, nobody but the people named on the bond are supposed cash them. My ex-husband stole my children 's and my bonds cash them with his signature and Bank of America processed it.

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 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
At the cash register at XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX, I was offered a discount on my purchases of {$140.00} if I would apply for a credit card. I agreed. I was told my new credit card and invoice for my purchases would be sent to me shortly. I anticipated them for about three months but they never arrived. Then I forgot about the matter. In XX/XX/XXXX I received a letter and an invoice from XXXX XXXX XXXX , XXXX for {$340.00}. The letter said XXXX XXXX/XXXX  sold them my account. I called the phone number given and was told the amount of {$190.00} was interest that accumulated for all the months I didn't pay the {$140.00} bringing my total debt amount to {$340.00}. I offered to pay only the original amount of {$140.00} because I do owe it IF, in writing, they would agreed to that amount and give me a guarantee that they would not ding me on XXXX. Over the course of a week I spoke with three different people all of whom refused my offer insisting I pay {$340.00}. The last one said he would reduce the interest amount but would not accept my offer as I stated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I first checked the Equifax breach information right after the breach happened and was told that my information was NOT part of the data that may have been compromised. That was in XX/XX/2017. I had received several letters of declined credit cards and acceptance for financial products/services ie credit card and online credit for retail products online. I contacted Equifax and they asked a bunch of security questions about some very detailed information that I did not have. It took me hours to get someone to just listen to the questions I was asking and it took three different calls to get them to place a hold on my account and to let me know I had that hold on the account. They also suggested that I purchase one of their other services when I was online trying to do this and I do not want to do business with them, I just want them to listen and help me straighten this situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have never had a loan with Navient, and my name is not shnyder. I spoke to a representative and they said they would correct this but I keep getting phone calls and they tell me to call. XXXX They confirmed my identity but it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
THE COMPANY IS WESTERN UNION. I USE THEIR ONLINE SERVICE, AND THE RECEIVER COUNTRY WAS XXXX. THE FIRST MONEY TRANSFER WAS SUCCESS, BUT THE OTHER 3 WHEN I INTRODUCE THE NAME OF THE RECIPIENTS I DID IN THE RIGHT ORDER, BUT WHEN THE TRANSFER WENT TO THE AGENCY THE NAMES WERE MIX AND THE RECIPIENT WERE NOT ABLE TO REQUETS THE MONEY, WHEN I TRIED TO FIX THE ISSUE, THE SYSTEM GIVE ME THE OPTION TO EDIT, BUT AT THE END SHOWS A MESSAGE THAT THEY ARE NOT ABLE TO PROCESS THE REQUEST, WHEN I WENT FOR OTHER OPTIONS ALMOST WERE THE SAME, AT THE END THE ONLY VALID OPTION WAS CANCEL THE TRANSACTION, BUT IN SMALL LETTERS SAID THE FUNDS WERE AVAILABLE AFTER 7 BUSSINES DAYS AND THEY NOT REFUND THE FEES, I DON'T KNOW IF THEY DO ON PURPOSE TO KEEP THE FEES WITHOUT DO ANYTHING, BUT LOOK SCAM FOR THE CUSTOMERS, ALSO WHEN I SPOKE TO CUSTOMER SERVICE PUT A LOT OF COMPLAINS AND REQUEST A LOT OF PERSONAL INFORMATION. THE TRACKING NUMBER OF THE 3 TRANSACTIONS WERE 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, IN ADVANCE THANK YOU FOR THE ATTENTION GIVEN VERY RESPECTFULLY XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: CA

Complaint narrative:
WEB SITE BROKEN. PLEASE DO NOT SEND ANOTHER PAPER REPORT. I WANT A DIGITAL REPORT.

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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
On XX/XX/2018 I receicved a letter ERC stating, : ERC has ceased ALL COLLECTION efforts and will reach out to the Credit Bureaus to DELETE this account. They FAILED to do so!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I purchased a vehicle XX/XX/XXXX in which Santander was the loan company with an interest rate of 24.9 %. I voluntarily told them to pick up the vehicle in XX/XX/XXXX because my loan payments were never applied correctly and my balance never went down. I would be paying $ XXXX for a car worth $ XXXX. It took months for them to finally pick up the car and then they lied on my credit report saying it was an involuntary repossession. They balance due after them selling the car was around $ 7K. They have continued to put an additional amount on my credit report every month since XX/XX/XXXX, between {$400.00} - {$500.00} at a time. It has hurt my credit as it is the only negative item I have. On my credit report, it says it's a closed account however, the keep adding money to my credit report every month. I am unable to refinance my current car loan or even trade in my current car because of this nonsense. Today, my credit report says the NEGATIVE ACCOUNT WILL STAY ON MY CREDIT UNTIL XX/XX/XXXX. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have disputed with Portfolio Recovery, on several different occasions. This alleged debt is NOT mine and it is ruining my credit profile and my good credit history. They have failed on SWEVERAL occasions to show proof and what I mean PROOF is a signed contract that I owe this company MY SIGNITURE. I DO NOT owe this company a dime and they have failed to deliver PROOF as REQUIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: MD

Complaint narrative:
On XX/XX/XXXX, I finally received a copy of my TransUnion report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically TransUnion has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

Trans Union then would not allow me to dispute this and other inaccurate information contained in my credit report. TransUnion said I had to provide proper identification. 

To obtain said report I sent TransUnion a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

TransUnion refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against TransUnion and XXXX XXXX who reported this name in error in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX 's sent TransUnion several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both Trans Union and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against 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 explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALL WESTERN MORTGAGE
State: CA

Complaint narrative:
Through a mortgage broker, XXXX XXXX, I submitted a loan application for the refinance of a duplex investment property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. HQ : XXXX XXXX. The loan officer at All Western who quoted the loan rate was XXXX XXXX XXXX, XXXX. On XX/XX/2018 XXXX XXXX XXXX 's assistant sent me many documents to sign electronically, one of which included the Loan Estimate ( 3pgs ) and my application for the loan. The loan rate was 4.75 % for a 30yr fixed. This was the same terms that my mortgage broker XXXX XXXX had sent me prior to me agreeing to apply for the loan. He got that quote from XXXX. XXXX. I had been asking for a rate lock from XXXX and XXXX XXXX XXXX and his assistant for 4 days and hadn't gotten a response. 

Today ( XX/XX/18 ) I finally got a return call from XXXX. XXXX and he told me that he had made a mistake on the rate and that the 4.75 % " does not exist. '' I asked why that rate was offered to me in all the documents they sent me for signature yesterday and he said he didn't realize that the loan was not a primary residence. I asked why ALL the documents he sent me for signature indicated it was an investment property, if he thought it was residential. He said he didn't know. He then offered me loan options which included higher rates, longer terms, interest only or a combination of those. I asked him if he had an obligation to honor what he had offered me and I accepted and he said that my rate was floating. I explained that, # 1 I had asked to lock the rate for 4 days and # 2 this change was not as a result of the rate floating up/down ; it was a completely new rate with new terms. He just repeated that " it doesn't exist '' for an investment property. 

Please see copy of 2 relevant pages of the loan application that reflects the loan was for an investment property and a copy of the loan estimate paperwork sent to me with a loan rate of 4.75 %, 30yr fixed.

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 2018-07-05 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, on my credit report, which R.S. Clark Associates claim I owe them {$120.00}. I sent certified letters On XX/XX/2018 and XX/XX/2018 requesting that R.S. Clark Associates send " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They sent a printout of a bill where some of the information had been cut off and my signature nowhere on the printout. 
I sent them this information regarding the FTC opinion letter from Attorney XXXX XXXX XXXX, stating that a printout of a bill or itemized document does not constitute verification. They could not send any contract with my signature on it. 
I have attached the last letter that I sent to them and the printout statement that they sent to me. Please have them delete the information from my XXXX and XXXX  credit reports. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
Unknown amount charged from XXXX XXXX & illegal amount charged from XXXX XXXX XXXX. XXXX XXXX & my navy federal account was illegal closed. 
I have a illegal credit score. 
I am a victim of social engeering fraud & a victim of theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an American Express gift card in the amount of {$340.00} ( I paid {$340.00} total including the fee ) at the XXXX store in XXXX XXXX, CA, on XX/XX/XXXX. Then somebody fraudulently used my card ( even though the physical card had always been with me in my wallet ) in the city of XXXX, CA, at XXXX. The purchase amount was {$320.00}, it was made on XX/XX/XXXX, at XXXX XXXX. Pacific time. 
Transaction reference # is XXXX The store transaction number is XXXX I contacted both the Merchant and the card issuer. The merchant was NOT willing to help me at all. American Express representatives kept sending me back to the merchant. So it was a vicious circle for me. Amex rep gave a me a transaction reference #, and suspended my card with the remaining balance of {$16.00} I talked to AMEX representative named XXXX, his ID # is XXXX a few times on XX/XX/XXXX. And once again, he confirmed that American Express can not initiate a dispute with a merchant on my behalf, since a gift card was involved. 
So as a consumer I do not feel protected at all. I paid my money, American express received it, the merchant did, but it was NOT me who received a service or product. I just paid for some fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.

Company response to consumer: Closed with explanation