vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
After reviewing the credit report from XXXX  noticed Navient continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. XXXX XXXX XXXXXXXX XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are problems with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX XXXX {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Services Inc.
State: NE

Complaint narrative:
I have two problems here : One is unfair debt collection practices : First I have received harassing phone calls to XXXX. 
To the degree that I blocked the number. 
In the period of one week, I have received phone calls at the following time : Thursday at XXXX XXXX  ; XXXX XXXX, XXXX : XXXX XXXX  Friday at XXXX XXXX  ; XXXX ; XXXX ; Monday : XXXX ; XXXX ; XXXX, Tuesday XXXX XXXX, So I blocked the number. 
Then I received a phone call on Thursday, XX/XX/2020, with no phone number. It just said " NO Caller ID ''. I answered and they asked for me by my first name. I asked who it was and they said Credit Bureau Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AL

Complaint narrative:
I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : 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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX XXXX {$75.00}

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 2020-04-23 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: MS

Complaint narrative:
I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX  XXXX {$75.00}

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
From XX/XX/2020, I have submitted to First Advantage per XXXX the background check information. Per XXXX, the background checks are suppose to returned with 1-3 days after submission. However, In this case, First Advantage failed on numerous attempts and causing a denial due to their negates of telling that the SSA-98 form request the name to appear on the company a different way. I have submitted over 9 ssa-98 and  spoke to various agents as towards them the appears suppose to be on the document. Each advised incorrect information and causing me to lose out of more than 4 job  opportunity. This now is my 5th job opportunity lost do to them and each submission is requiring a SSA-98 which, its suppose to be good for 22 days. However, I see every other agent with XXXX getting their background check completed without a problem. I think this company in acting unethical and misrepresenting information. I was advised on several occasion the refusal to submit the information to the SSA. This is unfair practice and should be investigated. All I get from the representative is attitudes as " I am the one in charge, and I am not submitting anything to the SSA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: SC

Complaint narrative:
On XX/XX/2020, XXXX XXXX with Diversified Recovery Bureau, called XXXX XXXX, someone who is not a co-owner on my account, and told him my balance and asked him to pay it. This is unacceptable given that XXXX is not on my account. XXXX claims this is legal in her state, but XXXX is not on my account and this is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.

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 2020-04-23 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: CA

Complaint narrative:
There are problems with 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 2020-04-23 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: CA

Complaint narrative:
There are problems with 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 2020-04-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: DC

Complaint narrative:
I don't get paid regular as when I first receiced the card from XXXX employer so I had been using it as a debit card by loading money on it to pay my bills. last month I put {$50.00} on it to pay some bills and was hit with a automatic {$17.00} charge, when I check the statement I saw 17 seperate XXXX  dollar charges at the same time. I call customer service and they told me that XXXX sent those charges. I called XXXX and they said they only sent it once. XXXX Netspand has refuse to return the charges. The next insident was on XX/XX/2020 I went to the XXXX gas station because I still had {$8.00} dollars on the card and tried to use it buy some gas and the pump cancelled the transaction, I had to pay the teller with cash. When I got home I received a text message from netspent XXXX that my card has XXXX ballance from the XXXX transaction, XXXX Netspend has refuse to return the funds to the card. 
Card # 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 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened checking account with CITI in order for me to receive bonus if I will meet criteria. One of the conditions was that I have to make a direct deposit of certain amount and another that I have to transfer money from my XXXX XXXX  to CITI. I established direct deposit and the first transfer of {$300.00} was made to CITI checking. But problem began after I had to transfer money from my chase account to CITI. The website of CITI had no option to do this. I decided to call them and discuss this problem, but was unsuccessful. I spent huge amount of time on a phone, called numerous times, sometimes waiting more than 1hr on hold and then phone calls were disconnected. Unable to reach anybody, I decided to tranfer my {$300.00} dollars from CITI to my XXXX  account. I made transfer from chase website and in several days, after talking with a XXXX   representative over the phone found out that transfer didn't go through because of insufficient funds on CITI checking account. When I went to CITI account, I still see my {$300.00} on my cheching account. Now I don't know what to do. To close account I have to talk to a representative, but I can not reach anybody. No branches of CItibank exists in my area ( zip XXXX ) and around. So I'm stuck and need your help. Thank you very much in advance.

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 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX here- Hope could you help me wit a issue Im having with my fifth Third bank- I deposited my personal income tax refund & a day after funds cleared, they froze funds for no justifiable reason. On the grounds that its was thought to be a fraudulent check because I wrote a money order. 

I feel as though it may be an aspect of racial profiling to this situation due to when I went to an Indiana branch of and as I sent in my deposit slip & identification into the teller- I was met wit a barrage of odd questioning & suspicion souly due to the amount I was depositing ( {$22000.00} ). I was asked why didint I have direct deposit & why were my funds in check form. 

From there, I was told I would not be allowed to withdraw the funds I wanted to & that the check would have to undergo further investigation in Fifth third back room - and that they branch had had a lot of fraudulent tax refund check & that Id have to assumed to be doin something nefarious. 

A day after my account was frozen & was instructed to contact fraud department where I received the same line of odd question & asked to send over documents I didnt think were pertinent to the investigation. 

I was told by investigator XXXX XXXX he thought it might be a situation where I mightve withdrew funds for the purpose of giving a portion to someone I met on XXXX. 

Which completely floored me- I was told that theyd have to send my funds back to the IRS & close my account & id have to talk to the IRS for more answers. 

I was also asked to send document like my 1040 to prove that I was receiving the appropriate amount from the IRS. Which I took as flat out racial bias, that a XXXX XXXX man like myself could not possibly legitimately file & received a refund for this amount. 

Theyve now closed my account & claimed to sent funds back to the IRS on the grounds that theyve made a business decision. 


Fifth third bank has a history of racial descrimnation & I cant believe they are employ these type of practices during a time in our country like this. 

As a consumer Id love you help in this matter. 


Sincerely XXXX XXXX Fifth third investor over my case- Investigation Supervisor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This is a false debt place on my name, I do not owed anything to this company. Never receive any letter or notification about this debt, only got this on my credit reports on XX/XX/2020.

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 2020-04-23 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: PA

Complaint narrative:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s )  versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: OK

Complaint narrative:
I filed unemployment like many Americans right now and within two days I got an email stating my Way2go card was on its way. That was XX/XX/2020. Today is the XXXX of XXXX and I have yet to see a card. I have called almost everyday this past week only to be on hold for hours at a time or getting hung up on completely. I have never talked to a person. I am also hearing from friends who have gotten through that they are charging {$15.00} for expedited shipping! We have waited weeks for money we desperately need and they are taking advantage. Who knows if an original card was ever sent. Nothing takes weeks to mail in the US. But we are at their mercy to spend hours and days on the phone then pay to get what we should have gotten two weeks ago. Something is seriously wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian received a certified letter concerning inquiries that I did not authorized. They have yet to respond to my request. They have the wrong person, and I expect Experian to investigate this claim and delete these inaccuracies.

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 2020-04-23 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: AL

Complaint narrative:
I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/2019, 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 XX/XX/2019.

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 2020-04-23 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: AL

Complaint narrative:
I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : 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.

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