vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Berman & Rabin, P.A.
State: KS

Complaint narrative:
Berman & Rabin P.A left me voicemail onXX/XX/2020 that they needed to discuss a business matter. I called back onXX/XX/2020 and spoke with a lady from there and she was threatening to repossess my vehicle if I didnt pay them what they say I owe. I asked what vehicle was this because I didnt  have any vehicle loans through them. After a brief hold she came back to only tell me she didnt know what vehicle but I was to pay the balance of {$10000.00} or my vehicle would be repossessed. I asked if information regarding this repossession in question and have not received anything on it. I felt very threatened by this call and dont feel she had any right to make such threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP
State: NJ

Complaint narrative:
i am 1 month behind on my credit card ; they call multiple times a day starting at XXXX till XXXX XXXX. I've asked them to stop and they dont. They are supposed to stop when i ask.

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 2020-02-25 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: GA

Complaint narrative:
Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-25 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: GA

Complaint narrative:
Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-25 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:
Identity Theft Victim

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I received a new XXXX credit card for XXXX XXXX in the mail. A disclosure page included information about my credit  score from Transunion, and, under " How can you obtain a copy of your credit report? ", it said that federal law says I have a right to a copy of my credit report without charge for 60 days after I received this notice, and that I could obtain my free report by calling or mailing Transunion, or by going to www.transunion.com ( only that simple main address with nothing else ). 

I went to that website and spent at least 20 minutes looking for the way to get a free report, and I can't find it. I'm totally web-savvy, and I still can't find it. I even nearly got tricked into starting an account for a monthly service that costs $ XXXX/month because I clicked on some very simple " see your score '' links on that page and was still only ever taken to a for-pay service signup ( where they ask for your credit card number at the end of Step 2, and it's not that clear that they're signing you up for anything unless you look at a sidebar on the right - some people might think they're being asked that as part of identity verification or something like that. ). 

It seems like Transunion isn't being up front at all about how to get the free score from that address. The only other explanation would seem to be that XXXX didn't include the correct full web address, but either way, something is not working correctly! I hope you can fix it immediately!

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 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a withdrawal letter from Attorneys, XXXX XXXX XXXX XXXX   in XXXX, CT tel. ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( me ) w/out costs or fees. regarding a reinstatement refi. The attorneys were paid over {$3000.00} by me incl in the {$18000.00} reinstatement fee wired on XX/XX/2019. After that date, I was sent a letter by their employer, Wells Fargo  saying their attorneys wanted {$1900.00} more. I called & emailed the XXXX law firm  3xs asking what the fees were for. They will not respond. I called & faxed Wells Fargo many times re : the fees. Wells will not say what the fees are for. The attorney fees were added on the date of XX/XX/19 after the withdrawal. Please, look into the over inflated atty fees & have XXXX tell me in writing what the charges are for. Wells contact is XXXX XXXX tel # XXXX Ext. XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. XXXX lawfirm is XXXX XXXX XXXX, XXXX, CT XXXX tel # 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 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: WY

Complaint narrative:
This is not me, you have confused me, with some one else.please stop reporting this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DSNB MACYS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted a police report via fax and postal mail on XX/XX/2020 to equifax. However they are stating they havent received anything, I have been transferred to multiple representatives each starting there is nothing to be done because they havent received the report. I am trying to dispute a fraudulent account that is on my report twice for the same company that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Starting in XX/XX/XXXX I began disputing unverified bankruptcy item information on my credit file with Equifax, we've had ongoing correspondence back and forth with little cooperation, they continued to state that the information had been verified but never provided proof. I then disputed the information with XXXX XXXX, the company that sold Equifax the unverified information, XXXX XXXX subsequently removed the item from my credit file and sent me a letter and updated credit report to reflect the changes. I then sent the updated information to Equifax they responded by sending me a letter dated XX/XX/XXXX stating that they were unable to locate a credit file for me, and that I may not have a credit file. They went as far as incorrectly spelling my name in the letter. Equifax and I have been corresponding since XX/XX/XXXX and now when I sent proof that the company that was the source of the inaccurate item on my equifax credit file, they pretend not to know who I was. This company is not committed to accurate and fairness reporting. I have attached the letter from XXXX XXXX as well as the letter from Equifax pretending not to know who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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:
Identity Theft Victim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Identity Theft Victim

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 2020-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking  account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX   XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX-XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2020-02-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX   | XXXXN/AInaccurate XXXX  XXXX  | XXXXN/AInaccurate XXXX   XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX XXXX  | XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX-XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, a thief used my credit card information to make two unauthorized cash withdrawals at a horse track in Connecticut. This person withdrew {$260.00} and {$310.00}. 

When I noticed these charges, I phoned Citibank  and asked that the two charges be removed. They said they would, and they did. 

When I received my XX/XX/XXXX paper statement, I noticed several new charges. I now had a {$41.00} transaction fee and a {$9.00} interest charge. More importantly, Citibank reversed my dispute and reinstated the {$260.00} charge. 

To preserve my rights, I wrote Citibank on XX/XX/XXXX about my concerns ( see the attachment ). I mailed the letter to Citibank, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. My letter was never returned to me, though it was never acknowledged by Citibank. In the letter, I included a copy of my paper statement and my request that the reversed {$260.00} charge be removed, along with the transaction fee and interest charge. 

On XX/XX/XXXX, I received a new statement with an additional {$3.00} interest charge. 

I phoned Citibank on XX/XX/XXXX, and XX/XX/XXXX. Both times the representative said they would look into the issue, but nothing happened. They never offered a conditional credit. 

On XX/XX/XXXX I spoke with a supervisor who said that he noticed irregularities in the charges and that he would ask for a full audit. He said it would take 5-7 business days to complete the audit and an additional 1-3 days for a credit to show up on my account. He said the results would be on my next billing statement. 

When I received my next paper bill on XX/XX/XXXX, nothing had changed. I phoned Citibank ( XXXX ) at XXXX ET. I was placed on hold until the system hung up on me at XXXX. I immediately phoned back and was placed on hold again. I hung up at XXXX out of frustration. 

I am now reaching out to you for help. I would like a refund of {$260.00} for the Reverse XXXX  XXXX  charge. Additionally, I would like a refund for the interest charge ( {$13.00} ) and for the transaction fee ( {$13.00} ). In total, I am due a refund of {$280.00}. 

Thank you for your help.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2019 I began disputing an inaccurate bankruptcy on my credit file with Transunion. Transunion claimed to have investigated the item and stated the information was verified and is reporting as accurate. Then in subsequent letters, Transunion stated that XXXX XXXX was their source. I then disputed with XXXX XXXX who eventually and rightfully so, deleted the unverified information from my credit file. They sent me an updated letter and credit report to reflect the changes. I sent the result proof of the removal to Transunion to show the changes from XXXX XXXX, Transunion refuses to remove the unverified item, even after the company that sold them this information has removed the information themselves. They are still claiming that their investigation shows that the information is accurate.

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