vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-04-17 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-04-17 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My old loan company sold my loan to the new loan company Caliber home loans and in the process a payment I made was lost on the loan companies end but they still took my money. I made two payments to the old loan company on XX/XX/XXXX, and XX/XX/XXXX and two payments to the new loan company XX/XX/XXXX, and XX/XX/XXXX. The payment on XX/XX/XXXX is missing and both loan companies dont know where its at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam : My name is XXXX XXXX. Since at least 2016, my report Experian has been incorrect in that if fails to indicate my current history with regard to credit cards, mortgage information, bank information, etc. I CONTACTED ALL LENDERS, CREDIT CARD COMPANIES AND MERCHANTS WITH WHOM I HAVE CREDITS, AND THEY ALL INDICATED TO ME THAT MY INFORMATION IS BEING REPORTED TO EXPERIAN ON A REGULAR BASIS! I do not have this problem with XXXX  or XXXX, which indicates my credit score to be above 800. Yet, Experian maintains that I have insufficient credit history to even generate a report! 
I reported this issue back in 2016 when I was qualifying for the Home Equity Loan, and was assured that the situation will be resolved immediately. Four years later, I am in the same situation I was before. 
My contact with the Dispute Center was unproductive - the response was that I need to contact credit card companies and lenders. I did, and was notified that they are reporting information. Since they ALL can not be wrong, the only logical conclusion is that something is not correct with Experian Their failure caused me embarrassment when several department stores denied my credit because of " insufficient credit history. '' How can I have a score of XXXX and XXXX with XXXX  and XXXX, and have insufficient score with Experian? 
It may be an unintentional oversight, but after 4 years still not fixing it is unacceptable. 
Thank you for your consideration. 
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 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I have a do not call on file with Westlake Financial Services. I paid my XXXX payment on XX/XX/2020 at XXXX. Westlake called me at XXXX REFUSING to give their company name and said they needed to talk to me. I repeatedly asked who it is and the guy REFUSED to tell me the company name. After XXXX  the number I found out it is Westlake Financial Services. I am on their DO NOT CALL list, which I have it in writing. They can email me which I have received communications. Not working f/t because of COVID-19 only 20 hours a week has messed up my income. Then more collection calls to my cell phone -another violation-, of where the payment is and a {$30.00} late fee, which they refused to take off. I am not working full time people and need to pay rent and food. I have filed a complaint with the XXXX XXXX XXXX for the late fee. TELL THEM NOT TO CALL ME. EMAIL IS WORKING PERFECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX, I received two pending transactions from XXXX XXXX on my account that I didn't authorize. I filed a dispute with the bank ( BB & T ) as well as with XXXX XXXX as soon as possible. 

Thursday, XX/XX/XXXX, I received a XXXX XXXX debit card that I hadn't requested. I let XXXX XXXX know, and they were able to trace the card to the account that was opened using my information. They closed the account and told me they would work with my bank. 

Friday, XX/XX/XXXX, my bank told me that they closed my dispute and I wouldn't be receiving my money back. I told this to XXXX XXXX, and they told me they wouldn't help me either. I'm currently at a loss, even though I can show that I didn't authorize these transactions.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sending this information I found on my credit report is wrong this is not something I did on that time or dates are incorrect this is complete wrong

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 2020-04-17 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 — Investigation took more than 30 days
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Hi thank you again for taking the time for reading my complaint. 

XXXX is taking longer than 30 days for debt validation. 

I have requested from MILITARY STAR to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked XXXX  to investigate this matter and it has been longer than 60 days.

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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Early in the morning on Friday XXXX the XXXX I was a victim of identity theft. 
My last 2 transactions were at XXXX am for XXXX at XXXX XXXX and one for XXXX dollars at a local chase branch at XXXX am. 
When I woke up at XXXX I realized my debit cards were missing so I checked my app and realized there were XXXX unauthorized transactions on my account for a total of XXXX dollars. 
Chase initially gave me a temporary credit, but as off a week ago they revoked my funds and stated that there was a discrepancy on my behalf that there was a charge after the time of my cards gone missing that I didnt dispute which is false because that transaction was done before my cards were nissing the transaction of XXXX was at XXXX am. 
XXXX is bullying me and refusing to answer my questions and stated that there disission is final. 
Yet they did not even do a thorough investigation because they didn't even verify the cameras. 
Chase is bullying me and is using me as a scapegoat. 
Here is my Police Report # XXXX Please help solve this terrible. situation. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NY

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-17 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: NY

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2019 we came to an agreement with XXXX that the Solar Systems would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. The Solar Panels were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the XXXX filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CU has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TN

Complaint narrative:
ACCOUNT DOES NOT BELONG TO ME I WAS HAVING XXXX XXXX WHEN THIS WAS DONE

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Tell XXXX XXXX XXXX I have seen this report agency has report showing {$2400.00} which is I didnt aware off and never been use. When I call in is show the address service that Ive never been stay there. I request them to removed ASAP cuz Ive never been use or order their service to that address they told 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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My card was stolen and i reported it to the bank right away. 

they refused to investigate and denied my claim even though i reported my card being stolen immediately they still let the fraudlaunt charges go through and are telling me i have to pay them MY CARD WAS USED IN ANOTHER COUNTRY

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 monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Request for Cancellation of CashCall Loan, Account XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least {$2500.00} but less than {$10000.00}, a finance lender may not receive chargers at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % since XX/XX/XXXX for a original loan amount of {$3100.00}. 
An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. 

Current State of Payments to CashCall as of XX/XX/XXXX : 19 monthly payments of {$350.00} = {$6600.00} 1 payment of {$380.00} = {$380.00} Total of payments = {$7000.00} Remaining 28 monthly payments to complete the 48 installments Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments 48 monthly payments of {$12000.00} = {$5800.00} My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have exceeded the legal amount by {$1100.00} ( {$7000.00} - {$5800.00} ). 

I have contacted CashCall by letter and by phone several times to request a forgiveness or restructure of the balance remaining on the loan. The payoff amount is still nearly at the original {$3100.00} loan amount after making 20 payments of the 48 installments. CashCall has been unwilling to accept any changes to the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: MA

Complaint narrative:
On XX/XX/2020 I filed a claim ( # XXXX ) with Wells Fargo due to my car had gotten broken into and my purse with my personal belongings had gotten stolen. Therefore my secure information had been compromised, my license, ssn, debit card and most importantly my cell phone. My cell phone did not have a secure PIN number which therefore compromised my information in my cell phone that included my personal online banking information, my passwords and usernames to other institutions as well. I filed my dispute with Wells Fargo because when I had finally logged into my email later that day I had noticed they were sending me alerts and receipts that someone was logging into my account and was also withdrawing money from my account. As I begun to shut my card on and off, the thief was turning on my card on their end. When I was able to use someone else 's phone due to mine being stolen I had called Wells Fargo and they had shut down my online banking as well as my debit card. By this time the thief had already withdrawn {$1200.00} total from my account. I continued to dispute these charges with Wells Fargo who would not give me a credit and had told me I had to wait 10 days for an investigation. I then called another 10 days later and they had advised me that they found no fraud on my account and they would not return the money. I spoke with a representative and thoroughly explained that I had never spent that amount of money in 1 day, which they can confirm from my previous transactions. I also had all my information compromised due to my stolen purse, phone and information. The representative agreed and assured me she would give me a credit and that at the end of the investigation this would be resolved. I asked if the department needed my police report or any further information and she confirmed that they did not want or need my documentation. It is now XX/XX/2020 and the {$1200.00} was withdrawn from my account from Wells Fargo. I spoke with 2 representatives and they poorly explained that the department decided this was not fraud and they would not accept my documentation. I also explained to them this was never told to me and that I was assured my money was returned and the claim would be resolved. Because of COVID-19 the random withdrawn amount was careless and I explained that to the WellsFargo representatives. They told me, '' It does not matter what is going on in the world, we can not help you. " They refused my documentation and stated they could not release their own proof of the claim. There poor empathy and thoroughness will never again want me to bank with Wells Fargo again, they are the true thieves.

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 2020-04-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.

Company response to consumer: Closed with explanation