vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 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: NV

Complaint narrative:
There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.

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 2021-03-13 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: FL

Complaint narrative:
on XXXX i sent a letter to Transunion concerning the validation of several inaccurate and unverifiable accounts. They failed to act and respond to my dispute. I demand proof of how they were able to verify or show me their investigation. I am seeking litigation and i would would like those unverifiable, inaccurate, obsolete accounts remove 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
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
This company Ability Recovery Services is trying to collect a debt that isnt mines. I disputed this debt a million times. The first time they said it has been deleted since XX/XX/XXXX. Then its still on my credit report. They tried validated the debt to an old address that I havent lived since XXXX. The person took pictures and sent it to my mothers address. The debt has my name but not my correct address ( I never lived at that address ). A credit card ending with 4 digits that I dont own and some other things thats not affiliated with me. I dont have no email address associated with XXXX XXXX account. I have no email as XXXX. My phone number starts with XXXX. I never had one with a 404 area code. I never went to XXXX XXXX. I been at XXXX XXXX XXXX University school since XXXX getting my XXXX. This debt doesnt belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion credit reporting hard inquiries done without knowledge and inquiries without approval. I called transunion for help to remove them that inquiries are not approved by my consent that was pulled without my permission they said it's not a mistake and won't help me to remove hard inquiries from XX/XX/2020 to XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank In Violation of My Credit Profile that has Damaged my credit reports to 8 credit reporting bureaus and had credit scores of XXXX Excellent credit that now I cant get any type of credit Approvals

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 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
My refinance was handled very poorly. It took over 90 days and I did not have any of the potential delays listed on their website ( picture included for review ). On their website, it claims 27 average days to closing ( picture included for review ). The first problem that caused a delay was when they said there was a lien on our house for my husband owing child support. There was no lien on our house and the lien they were referring to was because my husband is the one owed child support from his son 's mother it's not even attached to our house. I have attached the lien for your review. I informed my loan officer XXXX XXXX of this immediately. This alone set us back 30 days as our loan went into a dormant status. I could not seem to get a response as to what was taking so long. At one point an email was sent to the higher-up management from my loan officer and she commented that my loan, " XXXX says 29-day status. '' I was even asked to get several documents I feel the loan processor should have obtained including a payoff on my solar panels. My closing fees went from {$5300.00} to XXXX XXXX hours before closing. I asked XXXX why there was such an increase and her response was, " Refinances are expensive. '' On XX/XX/2021 I informed XXXX that I needed a satisfactory reason why my loan fees increased drastically in the amount of XXXX 24 hours prior to closing. She told me that it was the title company and she would find out the reason for the increase. She never got back to me. Unfortunately, this is not surprising considering the poor service I received from Texas Lending. My loan did not close the day it was supposed to because they did not have all of the documents in order. I was en route to my closing at XXXX XXXX  on XX/XX/2021 when I got the call it would not go through. That is when I got the 2nd closing disclosure with the increased fees. We had to go again the next night. My refinance was handled extremely poorly and I was not given an explanation for the final fee increases even though I specifically asked my loan officer XXXX XXXX who works for Aspire Financial dba Texas Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
This account was never set up by me. I have no knowledge of this account, I found out by looking at my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have written and called Capital One about my Spark business credit card ending in XXXX to ask for forbearance or hardship relief. My interest rate is at 30 % and I cant afford the payments. Each time I have written or called about Covid relief I get a run around and referred to another department with no real help. I have presented a budget sheet prepared by one of the leading Consumer credit counseling programs ( XXXX XXXX ) that shows that they could not offer me a plan that would fit into their five year program. I have requested a specific program that drops the interest rate to 0 % and allows me to make debt payments within my limited budget of {$65.00} per month. The Capital One representative claims they dont have an offer for me like that. But they have offered it to other friends who have similar circumstance as I do. Capital one is charging me interested of $ XXXX month on a {$3900.00} balance where I have no chance of paying it down. Please help me and others get out of the debt trap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 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: FL

Complaint narrative:
on XXXX I sent a letter to experian concerning the validation of unverifiable/inaccurate accounts that were shown on my credit report. Till this date they failed to respond to my dispute and failed to show me proof on how they were able to verify these account. I am seeking litigation, please delete at once.

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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
I have this removed from XXXX  I dont owe this bill. Its not mine. Ive never lived at that address or gave anyone permission to have stuff turned on in my name. The address is not in the XXXX XXXX utilities district. Dont go that far in that city. Im getting XXXX and they are putting things in collection when I filed bankruptcy on it. XXXX in XXXX, TN is the name of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: NV

Complaint narrative:
There are accounts on my credit profile that do not belong to me. I have submitted my personal information as an attachment to depict who I am. Please remove it from my credit. 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 2021-03-13 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: NV

Complaint narrative:
There are accounts on my credit profile that do not belong to me. I have submitted my personal information as an attachment to depict who I am. Please remove it from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Two years ago I bought sofas from Macys almost {$5000.00} I paid most of my bill left balance of {$1300.00} I no idea they changed me interest of {$2000.00} Am not working I was lay off last year XXXX I spoke to one their agent and he said they can only give me 50 % discount for interest and now Am not working so I can afford to pay this huge interest, so please I need help 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 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
RESURGENT AND THIER CONSORTIUM COLLECTION FRONTS ARE ILLEGALLY COLLECTION DEBT LISTED IN CHAPTER XXXX BANKRUPTCY THE ORIGINAL CREDITOR WAS AWARE OF BK AND SOLD TO LVNV AND E-MAIL BY FIRST ACCORD IN XXXX 2020. SEE ATTACHED. THEY ARE IN CLAER VIOLATION OF DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: SC

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Yesterday I was going onto my account to see if a return from XXXX had gotten credited to my account when I couldnt get on. I called and they said my account was permanently closed because someone had tried to put direct deposit into my account that wasnt my name. I get my paychecks in this account all the time and Im not sure who would try and do that. The only thing I could think is me and my fianc both have bluebird and I entered my direct deposit on something of his but even that is unlikely. They wouldnt give me any info or help me try and figure it out. I have money on my card that I can not get and the woman on the phone basically said XXXX me, refused to get me a supervisor or help to get my money released to me. I have my stimulus going into this account along with paychecks. So if someone had tried to steal my account without my knowledge that is identity theft and that doesnt give them the right to close my account and keep my money. Ive sent them emails and they still are refusing to help at all. Ive researched and see they have done this to numerous others and they never got their money back at all. This happened yesterday XX/XX/2021 and I have had bluebird for years. Never any issues besides them overcharging and saying its for a tip for the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mid-Atlantic Finance Co., Inc.
State: NV

Complaint narrative:
Basically getting the run around trying to receive a car title from MidAtlantic Finance Co, after paying off the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/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 2021-03-13 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: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JXXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, US SM BUS ADMIN XXXX with an inquiry date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo willfully and fraudulently advertises that their Overdraft Rewind program is a program that as a service to help avoid overdrafts or declined transactions. 

https : //www.wellsfargo.com/checking/overdraft-services/ However, they deceptively and illegally fail to mention that utilizing this program - which is being advertised as a perk by Wells Fargo - will then be viewed as a derogatory credit event by them - resulting in either denied credit or higher interest rates then charged by Wells Fargo 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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KS

Complaint narrative:
Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {$1800.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a secured Mastercard with Citi Bank. The amount of the security deposit ( {$2500.00} ) is equal to the amount of my Citi bank Mastercard credit limit. I have had this card for 13 months so as loans / credit / banks are concerned this account is " seasoned ''. Any time I make a payment in excess of {$100.00} Citi bank holds my payment for 3 weeks or until I call them and they then call and verify with my bank ( XXXX XXXX XXXX ) to verify that the payment has been debited. Whenever I question Citi Bank reps ( I have had this conversation with Citi Bank multiple times over the course of the last 13 months ) as to why they do not automatically give me credit for the payment within 1-2 days of my bank paying them their standard response is " We don't have the payment ''. When i tell them that money moves like emails they tell me it does not. When i ask them why, when i have never missed a payment or had a returned check that they still hold my payment for weeks without crediting me in spite of the fact that my account is now seasoned theyll tell me " We have not received your payment ''. When i ask them if there is a 3 week delay between the time XXXX XXXX debits my account and they receive the money as they are insinuating they tell me " I do not know ''.

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 2021-03-13 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: NY

Complaint narrative:
Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the Equifax data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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:
Please review the police report and remove the items

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 2021-03-13 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: FL

Complaint narrative:
Please review the police report and remove the items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: WA

Complaint narrative:
Transunion, Remove all oregon addresses from my credit report All oregon related information 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