vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as 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 2019-09-30 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as 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 non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express contacted my father on XX/XX/2019. My father has nothing to do with my account and by contacting him is a violation of my privacy. 

Pursuant to my rights under federal debt collection laws, I am requesting that American Express cease and desist communication with my family and friends. American Express has my contact information and valid mailing address. I have received voicemails and statements from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
As of XX/XX/2019 XXXX XXXX XXXX has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still XXXX couldn't tell me why this is showing as an open account and that I am behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: DLC, LLC
State: SD

Complaint narrative:
I was paying a payday loan to Dollar Loan Center in XXXX XXXX, SD in about XXXX and then one day the place was closed and no forwarding address or anything. I was never contacted by the company again and then I learned that the state had closed them down. I have not heard from them or anyone else until XX/XX/XXXX. I received a letter from Dollar Loan Center in XXXX XXXX, SD that I was serverely delinquent on my account and had to make arrangements to take care of this or face additional costs of late fees, collection fees and if necessary, attorney fees and court costs. 
I don't feel after two years and no contact by them that I have to pay this at all. I went to their site on the internet and saw where this sore is closed and that the state division of banking had closed them. 
I have been XXXX and can no longer work and live on social security only and there is no way I can make payments on this anymore. I was able to work and was working when this was going on, but since had extensive XXXX on my XXXX  and XXXX and am XXXX. Please let me know what I have to do on this problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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 — Was not notified of investigation status or results
Company: Capio Partners, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX had physician services from XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. 
Recently, a amount of {$62.00} was reporter to my credit as non paid debt. 
On XXXX called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl . The representative confirmed that they Did not do a Negative credit report on this account. and that the account was sent back to XXXX XXXX on XXXX XXXX. 
On XX/XX/XXXX - XXXX XXXX confirmed that the debt has been sent to?? Cappio Partners Llc.Phone XXXX. Cappio Partners confirmed that the debt is administered by AC Asset Care of XXXX TX. ( phone XXXX ) and that this debt was reported to the credit agencies. NON-paid. 
I did requested a statement of this debt and have it send to my new address. I have received the statement dated XX/XX/XXXX. 
I need CFPB support to have my Credit report Cleared of this debt. Once my credit report is cleared of this debt I will pay the due balance of $ XXXX. This will ensure that the debt is cleared from my credit report thus avoiding delays if the payment is done beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
The collection company tired to add a debt on my report XX/XX/2018 I sent in writing a dispute never received anything. Last month the same collection agency placed a another debt on my report with out sending me any information or notify me to collect the debt. When I called the collection agency he tried to say I still owe him for the first account I disputed which he failed to send any proof of the collections. I feel I am being targeted by this collections company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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:
I was at the counter at XXXX 's applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Auto has violated the FDCPA and the Federal Truth in Lending Act and my Civil Rights. 

Ally Inc. committed unconscionable acts of discrimination toward me causing damages as it furnished information to credit bureaus stating I was 30 days late three months before my due date ( s ) matured. 


The initial alleged delinquency for XX/XX/XXXX payment was false and repeatedly brought to Ally Inc 's. attention. 

I contacted Ally Auto and disputed the information three times and Ally Inc. updated the information on average in a matter of 3-4 days reporting the same inaccurate information as accurate causing an endless cycle of disputes with the credit bureaus and itself also destroying my credit rating in the process. 


Ally representatives alleged the debt was based on a rolling balance from a missed payment from XX/XX/XXXX. Later an Ally Inc. customer representative named XXXX changed the alleged delinquency to XX/XX/XXXX after I provided proof of XX/XX/XXXX payment. 


I have asked Ally Inc. for a proof copy of the notification of debt it claimed I owed for XX/XX/XXXX. Ally Inc. has repeatedly failed to provide any documentation of proof of debt which is required under the FDCPA. 


Ally Inc. alleged it waived the late fees/rolling debt and that I was actually delinquent for XX/XX/XXXX. I contend that Ally Inc. not only is liable for reporting inaccurate information with knowledge of errors, but also I have proof Ally Inc. attempted multiple times to collect on the alleged debt while I was in dispute further violating my rights. Subsequently if I incurred a late payment between XX/XX/XXXX and XX/XX/XXXX it was solely due to Ally 's repeated attempt to collect on a debt that credit bureaus have now deemed inaccurate. 

Ally Inc charged me hidden fees and attempted to cause actual damages based on a non-contractual billing practice which XXXX called a Hierarchy Payment System. This billing system allows Ally Inc. without the consumers knowledge to attribute extra monies included with monthly payments to the principle and interest as it sees fit. Micro debt can then be allowed to mature and be reported as a MISSED CAR PAYMENT as Ally Auto can not report late fees to the credit-reporting agencies. I believe with a reasonable investigation it will be concluded that Ally is still engaging in unethical billing schemes. The CFPB should be very familiar with the information I am providing as it successfully helped other victims receive a settlement from Ally Inc. in a very similar situation through Allys Auto lease program. 

I have reported this information to the Arizona Attorney General Office and they have taken a particular interest in the evidence I submitted and I suspect I am not alone in this complaint.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax while experiencing " maintenance '' issues for 15 calendar days,24 hours/day was unreachable online to conduct a dispute.I called their '' fraud dept. " at XXXX to conduct the dispute.They refused to conduct a dispute because they failed me on account balance questions that vary every single month, and since XXXX can not produce an Equifax credit report I can not see the answers to their unschooled questions after having to listen to XXXX instead of English for 15 minutes, therefor I am here today.

On Equifax bureau, XXXX XXXX/XXXX  ACCOUNT NO. XXXX IS REPORTING INACCURATELY. 
THE CREDITOR TOLD ME ON THE PHONE THAT THEY WOULD TAKE CARE OF IT, BUT HAVEN'T .... POSSIBLY ( IT COULD BE EQUIFAX ERROR ) THE ACCOUNT IS CLOSED AND THERE IS 0 BALANCE NOT ... ... .OPEN AND {$75.00} BALANCE.CORRECT OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I sent a {$24000.00} that I received from the closing lawyer after my home closing to pay off Barclays, my credit card company based in Delaware. This {$24000.00} check cleared XX/XX/XXXX. XXXX deposited this into someone else 's account ( they wrote an account number on the check that isn't mine ). I spoke with XXXX at Barclays on XX/XX/XXXX and she assured me that seeing as I had all the documentation from the lawyer showing the check clearing that it would be rectified in 30 days at the most. I then received a letter from Barclay the first week of XX/XX/XXXX stating they needed a hard copy of the cleared check and the letter stated this would be rectified in 10 business days. This was nearly a month ago. I spoke to a manager XXXX XX/XX/XXXX and she assured me she was personally escalating this and she would personally see this was resolved by today ( XX/XX/XXXX at the latest ). I received a letter Friday ( XX/XX/XXXX ) stating Barclays is reviewing my account dispute and needs 45 days. I called Barclays today ( XX/XX/XXXX ) and spoke with another manager, XXXX who assured me she was personally escalating this and she would personally see this was resolved. I have been working diligently attempting without success to get MY money. I have spoken with customer service as well as managers. I have provided all the proof they required ( I had to contact the title company and the lawyers office to even be able to access a copy of the cleared check ). This company has made me spend hours and hours of my time without giving me any help to get me my money. My funds are still applied to someone else 's account.. i.e. FRAUD!

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 2019-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row XXXX XXXX is showing up three times as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My loan XXXX has shifted many mortgage companies hands since my husband and I took out the original loan XX/XX/XXXX. 

I thought sure we purchased Mortgage Protection Insurance in case of the death of either spouse. The original loan mortgage was sold to other lenders. 

I would like to have someone check on this since my husband passed on XX/XX/XXXX and I would like this balance paid off as I believe we signed up for this protection. 


XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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:
I was at the counter at XXXX XXXX applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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 was at the counter at XXXX 's applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I submitted a wire transfer request form to the Citizens Bank   Branch XXXX in XXXX XXXX, MI on XX/XX/2019 to send {$3000.00} to my niece in XXXX.. Money was needed urgently for hospitalization expenses for major XXXX XXXX XXXX related treatment. 
I provided the bank account information of my niece ( phone copy of her check book page ) to the bank clerk. Form was completed with wrong account number!! Bank clerk put the routing number as an account number!!! As a result, transfer did not go thru and Citizens Bank decided to recall the amount rather than giving them the correct account number. 

Now, the money is hung up some where between the XXXX XXXX, XXXX XXXX, or the intermediatory bank, XXXX XXXX XXXX, or the Citizens Bank at my branch. I requested Citizens Bank to track the money recall but nothing has been done. I contacted XXXX XXXX  XXXX ahd they assure me that the money was wired back to US banks. 
Now, someone in the US, either XXXX XXXX XXXX or Citizens Bank is holding my money????? 

I will consider this as a banking fraud and seek legal action thru the Attorney General of the State of Michigan, if I do not get satisfactory resolution from your office, or an assurance from Citizens Bank, that the money will be re-deposited to my bank account within 7 days .... 

Reference : ; Citizens Bank Wire Transfer Request No XXXX. Phone Number of the Citizens bank branch XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 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: World Acceptance Corporation
State: TN

Complaint narrative:
This World Finace account was closed in XX/XX/XXXX and charged off ... .put on my credit report as a derogatory account ... And now in XX/XX/XXXX World Finance is suing me in court for full payment of the loan. This is fraud and deception at the highest level. TN allows this abuse on working class citizens and IT IS WRONG!!!!! WORLD Finance abuses the Financial institutions credit rules with extremely high interest rates and unethical payment strategies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank assessed a {$35.00} overdraft fee and is refusing to waive it because of a debit card purchase that posted to my account nearly one week later. This debit card purchase is not recurring and debit card overdraft services are not enrolled.

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 2019-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL, INC.
State: MA

Complaint narrative:
I received a letter from a company called Coast Professional Inc, claiming to be a servicer for the U.S Department of Education. The letter stated that they intend to have my wage garnish because I had not call them to make a payment plan. I found that weird because I had made a {$200.00} payment 2 weeks before on https : //myeddebt.ed.gov which is where I have made all my payments for the past 3+ years. So I called them up trying to figure out the situation. I was not able to get them on the phone for 2 days. Every time i called i was on the line for over 10 minutes and no one picked up. On XX/XX/2019 at around XXXX XXXX someone finally picked up the phone after 5 minute waiting. Their representative made me aware that the call is being recorded, so i decided to record the call as well on my end and made her aware of it. Then she told me that i did not have permission to record the call. I asked her why was it ok for her company to record the call while I was not allowed. She put me on old to speak to her manager and came back to tell me that it was their company policy and hang up on me. I was not able to get someone on the phone after that. I attached the recorded call with this, the conversation starts at 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 2019-09-30 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XXXX XXXX is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row ally financial is showing up three times as well

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