vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I have a TN Way2go Child support card. I have not received a child support payment since XX/XX/XXXX as the custoldial parent of XXXX children. During the last year while the support has been in arrears my card expired, XX/XX/XXXX. I attempted to get a replacement but was told there had to be {$5.00}. On the card to get a replacement. Finally on XXXX XXXX a payment was made to the state for my child support. Wednesday XX/XX/XXXX I called customer service for the card and I explained my situation. I was transferred to the card replacement area and was on hold for over an hour. I was at work and had to hang up. Nobody ever came to the phone. On XX/XX/XXXX at approximately XXXX XXXX. I called back and was again transferred and after approximately 45 minutes to an hour my call was answered. It took another hour to get my address updated. I was told it would take 7 to 10 days to get a replacement. After having waited almost a year for support that was not sufficient. I was told I could pay {$10.00}. Plus the {$5.00}. Card fee to have it expedited within 4 days. I agreed. It is now the XX/XX/XXXX and I have not received my card.I have called 2 times both transferred and placed on hold. The last time was an hour and a half and nobody ever picked up. This is my money intended for the care and support of my children. The fact that I am being charged to use my child support is bad enough but this is not expedited and I am sure I will still be charged. The wait time is completely unreasonable. I work and have XXXX kids. I do not have hours at a time to sit on hold and the length of time it took to communicate the one time I was able to speak to someone was unacceptable. This money is in extreme arrears and this company is holding it hostage. I need my card and due to the lag in time I most certainly should not be charged. Is there a number to contact someone without hour and a half hold times where my card situation can be resolved. As of right now I have waited almost a year and I have finally received a payment, and for almost 2 weeks have not been able to gain access to it. This is completely unacceptable and terrible practice. I am a captive audience and have no choice but this bank knows this. At what point are they violating banking or commerce practices when I am not able to use my support. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI, INC. 
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX. 
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file 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 explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank. Gold Checking account on XX/XX/2019. after receiving an offer of {$300.00} bonus on new accounts. The account was opened online with promo code XXXX provided to me. 

I satisfied the bonus offer requires but did not receive the bonus as agreed upon. 

To earn the {$300.00} bonus offer, you must open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) online by XX/XX/2019. Additionally, you must complete recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening, and be enrolled in either U.S. Bank online banking or the U.S. Bank Mobile App by XX/XX/2019 When I called U.S. Bank consumer service, the customer service supervisor claims she couldn't find any information about the promo offer and refused to issue {$300.00} bonus.

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
My complaint is regarding the Southern Auto Finance Company is known as ( Safco ) reporting inaccurate information on my XXXX   report. I reached out to Safco ; I spoke with XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, regards to the {$17000.00} showing past due. I asked for account XXXX negative, inaccurate information be removed from XXXX  credit report. The first-time account was late XX/XX/XXXX. The statute of limitations has expired as of XX/XX/XXXX. Southern Auto Finance Company account is seven years, and six months expired as of XX/XX/XXXX. Safco has changed late date on account numerous times so account can keep showing on my credit report this is inaccurate negative information reporting on my credit report. 

I reached out to XXXX numerous times and request for Safco account # XXXX to be deleted from my credit account. I spoke with four agents, and one supervisor at Safco and the negative information are still reporting on this XXXX. On XX/XX/XXXX, I talked to XXXX the confirmation that was provide it # XXXX. XX/XX/XXXX, I spoke with XXXX ID # XXXX, XX/XX/XXXX, I talked to XXXX ID # XXXX she was the supervisor, and I talked to XXXX on XX/XX/XXXX, ID # XXXX. My request was to remove Safco negative, outdated, inaccurate information remove from my credit report. I also sent a letter to XXXX  requesting Safco accounts to be remove from my credit report. There are two accounts reporting from Safco with different account numbers and same amount, please see attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 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.

Complaint narrative:
I have started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. 

Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX  XXXX -Inquiry from XX/XX/XXXX 2 ) XXXX-Inquiry from XX/XX/XXXX 3 ) XXXX-Inquiry from XX/XX/XXXX 4 ) XXXX-Inquiry from XX/XX/XXXX 5 ) XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 6 ) XXXX XXXX   XXXX-Inquiry from XX/XX/XXXX 7 ) XXXX XXXX-Inquiry from XX/XX/XXXX 8 ) XXXX XXXX-Inquiry from XX/XX/XXXX 9 ) XXXX-Inquiry from XX/XX/XXXX 10 ) XXXX-Inquiry from XX/XX/XXXX 11 ) XXXX-Inquiry from XX/XX/XXXX 12 ) XXXX-Inquiry from XX/XX/XXXX 13 ) XXXX-Inquiry from XX/XX/XXXX 14 ) XXXX & XXXX/XXXX-Inquiry from XX/XX/XXXX 15 ) XXXX XXXX-Inquiry from XX/XX/XXXX 16 ) XXXX/XXXX-Inquiry from XX/XX/XXXX 17 ) XXXX-Inquiry from XX/XX/XXXX 18 ) XXXX-Inquiry from XX/XX/XXXX 19 ) XXXX XXXXInquiry from XX/XX/XXXX XXXX ) XXXX  XXXX-Inquiry from XX/XX/XXXX XXXX ) XXXX   XXXX-Inquiry from XX/XX/XXXX XXXX ) XXXX  XXXX-Inquiry from XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 4 close account and still show on my equifax Still open, I call all this creditor and they confirm me this account is close Dispute it on equifax and they remove and add this account at the same moment, try and tired to call equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
You did not mail me my rights to dispute the validity of this debt, instead you reported the debt anyways to thew credit reporting agencies. I have filed this complaint with the CFPB for your willful violation under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: Kashable LLC
State: FL

Complaint narrative:
I have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: DISCOVER BANK
State: FL

Complaint narrative:
I have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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.

Complaint narrative:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 

1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX   XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXXXXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 )  XXXXXXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 )  XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close

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 2020-02-16 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: DISCOVER BANK
State: FL

Complaint narrative:
Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
On XX/XX/2019 I sent a 3rd party debt validation letter to WAKEFIELD & ASSOCIATES requesting any contractual agreement between me and their agency and to this date NO proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$730.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), WAKEFIELD & ASSOCIATES has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit report as pursuant to 15 U.S.C section 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have to account is close still show open In my credit report 1- XXXX XXXX 2- XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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 — Was not notified of investigation status or results
Company: FACTUAL DATA CORP.
State: TX

Complaint narrative:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. 

The following is just from XXXX  report Factual Data - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, between XX/XX/2020 till now XX/XX/2020 Chase and I have been dealing with an unauthorized withdraw out of my account of {$1000.00} in another city. I followed the necessarily procedures in calling my bank in a timely manner like I was informed by my friend who is a personal banker at Chase. They immediately took action by shutting the card down and sending a new one and promising the return of my money as a small portion of it was suppose to go to another bill. I patiently waited for the return of my card and did not receive it until after I got more information from Chase that they were shutting my account down WHILE a claim was under investigation. When this whole situation went down, they recommended I get the law enforcement involved. Not only did Chase close my account with no reasoning, they also decided to decline by claims days later stating that the card that was used has a unique chip code that cant be duplicated. I expressed how my identity had recently been stolen and how I had to go to SSA to obtain new documents and that anything could have happened. They had no sympathy towards my situation and basically insinuated that I was responsible for the authorization of a transaction that I could not have possibly made due to the fact that I was just getting over a terrible virus and hadn't eaten in two days. I was clearly incapable of pulling an act and instead of giving me information on how I could get this claim re looked at it because I am a broke XXXX XXXX who can not afford to just lose {$1000.00} because the bank didn't reach out and ask if it was fraud, they hung up. This situation caused me to be late on a bill because they froze my other funds with them and have delayed their time in sending me a check for my closed account funds. My friend told me that I did nothing wrong except communicate with them and that there is some federal law for banks following bad practices like this. I can't afford to just let this situation go, I deserve to know who took my money and have the opportunity to get my money back. I was told telling my story here may get me the help I need because of some law about not being responsible for these things especially when you are already going through identity theft. 

Please help.

Company response to consumer: Closed with explanation