vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
The bank have been reduce my credit limit several time and they destroy my credit report and score I have contacted the customer service to the First Bankcard trying to connect with their credit department and the representative negligently act with me telling that the credit department do not talk to the customers. The customer service representative explained that the reason of the bank decreasing my credit limit is because they received from the credit bureau that my credit report was compromise with fraud alert. I mentioned to the representative that I was not aware of such issue with my credit report so he recommend to contact the 3 mayor credit bureau to tell them to stop the fraud alert. I called the 3 mayor credit bureau and I have even download my credit report to see if in reality I have a fraud alert. The 3 mayor credit bureau confirm that I do not have any fraud alert neither a flag on my credit reports and in addition my credit reports do not show any evidence of fraud alerts or flags. This bank have been decreasing the credit limit on the credit card the issue to me causing a huge damage in my credit history. Today I have to cancel my account with them because there is no way that this can be resolve directly with the bank. This bank works against their customers even that I have a clean a diligent credit history with 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 explanation
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. Experian and XXXX Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.

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 2019-08-21 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
It seems Ally Financial is not listening to me. My car payments are current according to the XXXX XXXX report it says that my XXXX payment is late and my account is not current. This is affecting my credit score. Please address this matter. I have attached a XXXX  XXXX   report to this dispute.

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 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
There are seven ( 7 ) accounts listed on my credit file with each credit bureau, XXXX, XXXX and XXXX. I was never notified of the debt so I could request for verification. Also, I would like for Medical data systems to send ma all sign agreement and obligation since they are saying I owe for seven ( 7 ) balances. This is a violation and should be looked into more. Medical has ruined my credit because of this incorrect information.Just low down

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 2019-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2019 I logged on to usdirectexpress.com, I transfered approx XXXX  to my checking account and received a confirmation number. It specificaly said on there website that if the transfer does not go through that you will be notified. I was not notifed!
XX/XX/2019 I called direct express customer service and spoke with level 1 and level 2 customer service. I was told that they have been having technical issues with there website transfering funds to checking accounts and that it is not possible to do tranfers on there website anymore and they are advising customers to use there automated phone service to do tranfers to checking accounts. I had them connect me to the automated service and I requested the funds to be tranfered to my checking account and was given a confirmation number.
On XX/XX/2019 I called again because I wanted to make sure there would be no issues this time around. I spoke with level 1 customer service and was told that everything looked good on there end and that I should have the money in 5 days. I asked to speak with his level 2 manager because I did not want to take any chances with being given wrong information, such as happened in the past! He connected me with "XXXX" employee id #XXXX. I explained my situation to her. Explaining that this issue arrised on XX/XX/2019 and that I really needed my funds. After about 30 minutes of going back and forth with her she advised me that there is a NEW policy for tranfering funds to a checking account and that you must submit a copy of your state ID and copy of your checking account statement and that it must be emailed to XX/XX/XXXX and that it takes them 5 business days to process and approve.Then once its approved I can request a transfer again for the 3rd time and that I would have the funds 5 days after the transfer. I explained to her that I needed the funds urgently and pleaded with her to transfer me to the advocacy department or provide me with there phone number, she said it wasnt possible. I continued to ask her for options such as a corporate number and so forth. She said she had no other options for me and that she was disconnecting the call. She abruptly hung up on me!
THERE ARE OBLIGATIONS FOR PREPAID BANKING COMPANYS OR ANY FINANCIAL COMPANY FOR THAT MATTER. They are OBLIGATED to notify all customers by mail in the event that there are policy changes that affect your account. At the very least they can advise you on there website. Not this company! 
I have gone ahead and emailed the documents. I guess now I wait for another 10-12 days before I have my funds in my checking account if im lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am looking at my XXXX XXXX to make sure everything accurate XXXX   is reporting on XX/XX/2019 I made a hard inquiry with Brclysbankde. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX   If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a barclays credit card and am very happy with that. Just want to fix this inaccurate information. Thank you

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 2019-08-21 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 just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

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 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I have been trying to contact cavalry SPV I LLC to ask for proof that i owe this credit card debt they purchased from XXXX. they have not provided it to me. i did not open any such credit cards or anything like that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance
State: CA

Complaint narrative:
I was scammed by a fraudulent party called " Student Loan Financial Assistance '', claiming to be a student loan finance company. They offered to refinance my student loans with a lower interest rate. I gave them my bank account information and authorization to " transfer '' my loans from XXXX to them. However, they put my payments on forbearance until XX/XX/2020 with XXXX and were attempting to do monthly direct deposit payments from my bank account. Once I realized that this was a scam, I immediately contacted my bank to close the account. I also contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) to freeze my credit score. Lastly, I contacted XXXX to remove the forbearance and added an additional password that is required when attempting to call XXXX about my account. Please bring these evil people to justice!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: MS

Complaint narrative:
I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate Equifax, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since 2017. Theyve continued to allow companies like XXXX XXXX and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since 2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with Equifax to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score. 

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from XXXX XXXX  on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by XXXX XXXX. Equifax has merely relied upon a statement submitted by XXXX XXXX  that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since 2017. 

The actions of the Office of Consumer Affairs via Equifax are harassing me. Their conduct should be illegal. When I contact Equifax, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in Equifaxs system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. XXXX and Synchrony Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.

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 2019-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
ON XX/XX/2019 MY DIRECT EXPRESS DEBIT MASTERCARD WAS STOLEN AND 5 FRAUDULANT CHARGES WERE MADE TO MY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been married for 3 years and Transunion has the wrong last name for me. This in turn caused the credit monitoring company ( XXXXy ) to not allow me to set up online access. 
Both of these companies are requiring me to mail in information. Personal information that I do not feel comfortable mailing. They do not offer a fax number or email address to send this information either. 
They do not offer a feedback section via phone or website. 
Transunion has an app and a website you can log into but does not offer a secure message option to upload documents either. 
I have reported this to the XXXX  and I am adding my complaint on here. This is 2019, mail is not the only way to deliver things. I was willing to find a fax machine as well, but they stated they no longer use this.

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 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank is selling my home ( XXXX XXXX XXXX, XXXX, MA, XXXX ) via an auction on the XXXX of XXXX, according to a letter I received from the Bank. They called me today to say that they will address my concerns via a letter which will be received by the XXXX of XXXX. I asked if they were still planning to auction off my home, as I am on the title and paid the down payment. I am not on the mortgage, according to the representative, so they could not speak with me about this foreclosure sale. The person who called me gave me the following number - XXXX. 

My name has appeared in the newspaper under the foreclosure of this home, damaging my professional reputation. This is disparagement, and appears to be fraud. 
The bank refuses to speak with me despite a court order signed by co-owner XXXX XXXX authorizing them to speak with me. 
The person on the note is XXXX XXXX XXXX, and his attorney is NY attorney XXXX XXXX. I believe that there are fraudulent documents involved in this case. 

XXXX XXXX was also ordered by the court in XXXX to pay a portion of the mortgage, which he did not do, despite having the funds to pay. This is a case of financial abuse by US Bank, XXXX XXXX, and attorney 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 2019-08-21 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:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been trying to contact XXXX XXXX XXXX XXXX to ask for proof that i owe this credit card debt they purchased from citibank. they have not provided it to me. i did not open any such credit cards or anything like that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

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 2019-08-21 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 just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: WA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX  ; XXXX and Transunion on the XXXX XXXX XXXX  account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit 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