vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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 applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: IL

Complaint narrative:
Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX  ACC XXXX not mine XXXX  XXXX not mine XXXX XXXX  ACC XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: MI

Complaint narrative:
I have two medical debts for XXXX XXXX  that is being reported incorrectly by XXXX  XXXX XXXX  XXXX, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
This account is NOT MINE! I'm sick of these false amounts on my credit! I do not owe any such debt. This is a issue from the breach! I have contacted my attorney and they have sent a formal letter to this company. Please stop all reporting for this account. Not mine! I never owed this! Never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX of XXXX Capital One Bank owned Household Bank ( XXXX ). Having a credit card account with XXXX since XXXX, we battled with them to remove an add on product that gives consumers debt protection, called AccountSecure Plus which was never removed and we were charged monthly for the product. In XX/XX/XXXX when Capital One took over, we asked Capital one to remove the program and told them our problems with removing it previously. Capital One assured us of its removal. In XXXX XXXX after a few phone calls to capital one in previous months about the product still on our account being charged, an employee let us know that third party vendors were being removed from all companies offering these products and we will be reimbursed for the fees soon. In XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX repeat phone calls to Capital One bank, talking to countless different employees asking them to please stop charging us for this product and the phone number listed on the bill for the product no longer was in service since XXXX. In XX/XX/XXXX our billing statement states " " As you requested, we cancelled your enrollment in Debt Protection ''. 
We were no longer billed from that date for that product. 
We called Capital One asking for reimbursement for the past 3 years of repeatedly trying to cancel this product and asked them about a consent order issued by the CFPB ( file number XXXX ) that they were supposed to reimburse anyone who tried to cancel the product after XX/XX/XXXX and was unsuccessful. They responded that we came from Household Bank at that time. They took over Household Bank XX/XX/XXXX on our end, the CFPB issued the order in XXXX of XXXX. Whether or not that applies, the Administrative proceeding, terminating the consent order on XX/XX/XXXX from the CFPB, states that Capital One canceled their add on products since XXXX, this is obviously not true and I believe because of the different name of the same product of concern. We were being charged for a product that was an add on that we asked repeatedly for 3 years to cancel through Capital One, throughout the entire Consent order they needed to comply with. Was the consent order specifying a particular add on product for debt protection? Are they allowed to just ignore us repeatedly when asked to be reimbursed after they said they would the first time we canceled?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2020 ( or around there ), I called AMEX customer service regarding about my Platinum credit card which {$550.00} annually fees charged to my account. At that time I can't make decision to keep Platinum or downgrade to Gold card. Due to coronavirus, I think about my travel plan will be much less and think may be wait for another year and switch back to Platinum. However, I remember reading online I might have issue with bonus points I got from year before from upgrade to Platinum. Therefore, before deciding to downgrade I did ask the AMEX customer service member " Is it OK for me to downgrade to Gold? ", she replied there is no problem but I have to pay {$250.00} annual fees and I said I understand that. Recently, I got an email from AMEX stated that they took back my XXXX bonus points due to the downgrade!!! I called customer service number in the back of my card and explained to her my situation. She told me don't worry about it since I was misinformed and I have been doing business for 23 years and then she filed a claim for me. Today I read a message from AMEX to refuse to consider my case. I called back AMEX Customer Care XXXX which I got from chatting online with AMEX customer service. He tried but finally told nothing he or AMEX can do even I tried to explain him I was misinformed or it was a honest mistake since I trusted customer service. Finally, I even asked what should I do with a negative more than XXXX points. He said nothing beside using the Gold card until I paid off the points or my account will be default if I cancel it. Using a card which I don't trust anymore until to pay back all the points and don't know what next it could result in several annually of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I spoke with an anonymous Employee at Citizens One for my auto loan. 

I was trying to pay my car loan with my credit card. They advised me that was not a service they offered. I asked how to get my loan through another company. They gave me very general information and no direction to keep me with their loan. I was talking to the anonymous employee and they would not give me an ID #, Employee # or any kind of identification to refer back to. They were being very Discreet and evasive. I now have no idea of who I spoke with, what information they have or how to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX    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 2020-03-12 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: TX

Complaint narrative:
ftc violation XXXX  XXXX, XXXX  XXXX, U S Department of Education, XXXX XXXX XXXX, XXXX, XXXX   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 2020-03-12 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: OH

Complaint narrative:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: OH

Complaint narrative:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: LEXISNEXIS
State: OH

Complaint narrative:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
My XXXX XXXX XXXX credit card was protected by credit protector, XXXX. When I became ill it should have been paid off. XXXX  XXXX XXXX sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please  Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: WA

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I am currently have a loan through Freedom Mortgage. I have decided to refinance with another company and I can not get Freedom Mortgage to send the Payoff Statement to my new title company and lender. I can not close on my new loan without the Payoff statement. Today is XX/XX/XXXX. The title company has been trying to get a copy of the payoff statement since XX/XX/XXXX. Freedom Mortgage will only give a payoff after 72 hours from the request. This is much more than the 72 hour window they require. I feel as if Freedom Mortgage is holding my payoff statement hostage so they can get additional interest and possibly a late payment if they do not quickly send this payoff statement. There is no way to get it online besides sending an email. When you request it by phone, they still will not give it if is not in what they see as the 72 hour window.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
ftc violations 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 2020-03-12 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: Innovis
State: OH

Complaint narrative:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Starting XX/XX/2020 Wells Fargo Has failed to inform me about the fraudulent Wire Activity that has happened on their end. I have received an extremely Suspicious check from my former employer. I do suspect Wells Fargo of withholding information and lying to me about what really happened with my case number. I have been constantly run around every time i ask for answers on my case. I have been told a police referral was sent, and that i was to receive a copy of the evidence that was sent to the " Other Party ''. It is now XX/XX/2020 and i have not received any clarification on what was done about the fraudulent activity resulting from my former employer XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX. I would like resolution and restitution for damages, and negligence on behalf of wells fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TX

Complaint narrative:
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TX

Complaint narrative:
ftc violations XXXX, XXXX, XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TX

Complaint narrative:
ftc violations 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