vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-12-31 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I attempted to access my free annual credit report and Trans-union refused to provide me with my free Annual Credit Report online.

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 2019-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have received three emails from Experian stating that an entry was made in my report for a large loan which affects my FICO score. I made 5 calls to the company using various published numbers. I was only trying to verify that the emails were not fraudulent. 

Experian, prior to connecting you with a live person ( if one exists ), requires that you provide them with your Social Security number and then proceeds to ask a number of personal questions. After each response, you are then greeted by a filter asking more questions and giving the caller pre-determined choices that do not cover the information sought for. If you ask to speak to a representative the computer responds that it does not understand your request. It then disconnects you. 

Experian has effectively isolated itself from the nation. Even the telephone number provided by the XXXX is controlled by this voice mail system. Additionally, when referred to their various sites, you are bombarded with offers to provide services for other products each costing additional monies. Why are we allowing a credit bureau such freedom of action.

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 2019-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was charged {$30.00} for excessive withdrawal fee from my savings account by Bank of America. When I called the Customer Care Representative she told me that the charge will not be waved because Federal law authorize them to charge {$10.00} for any withdrawal above 6 times in a month. I was surprised because I called Bank of America Agent before the transfer and was told that it was my sixth transfer and that I will be charged if I transfer money more than six times from my Savings account in a month. I expected to be notified of any excessive withdrawal, but this was not done until the charge went up to three times generating {$30.00}. This is unfair. I need the {$30.00} refunded to my account.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was denied credit by XXXX Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bryant, Hodge & Associates LLC
State: SC

Complaint narrative:
Contacted by Bryant Hodge & Associates XXXX about {$3700.00} XXXX account XXXX XXXX spoke to XXXX and XXXX. XXXX I had paid for sold off XXXX debt to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX. It was for account number XXXX. 
In house account number XXXX. 

I called XXXX to confirm how many accounts I had via my SSN. Only one shows. They gave me contact info to the company that the debt was sold to. 
XXXX XXXX. XXXX. They confirmed the account number XXXX was the only account number applicable, and that Bryant Hodge & Associates were working on an error or fraud. 

I explained this to Bryant Hodge & Associates and offered my email XXXX to receive debt verification. They declined to do so. I now get calls threatening court summons from them at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-31 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-31 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
I received a {$30.00} rebate card from myprepaidcenter.com on XX/XX/2019 and it had an expiration date of XX/XX/XXXX. I called the company on XX/XX/XXXX and they said the funds expire when the card expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: MN

Complaint narrative:
In early XXXX I was notified by a credit monitoring company that a fraudulent loan was taken out in my name. After several correspondences with the bank, XXXX XXXX XXXX XXXX XXXX, MN, we resolved that this activity was fraudulent. This conclusion was established on XX/XX/XXXX. Immediately, I began working through each of the credit bureaus, establishing Security Freezes and Fraud Alerts on my account. 

After easy and quick success with the first two agencies, I attempted to reach Experian. My first phone call on XX/XX/XXXX reached an answering service, since it was after business hours. 

When attempting to log in to my account, my password was not accepted. 
When attempting to reset my password, the password reset was sent to an email that I did not recognize. 
I have attempted to reach Experian on numerous additional times : XX/XX/XXXX - attempted phone call - was on hold for over an hour, then was hung up upon. 
XX/XX/XXXX - attempted several phone calls - was on hold for over four hours, then was hung up upon. Called the business office technical support line to reset my password and was denied. At this point, my account has been in the hands of a criminal for several weeks, with no way to reach a human at Experian able to assist me with reclaiming my account.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was denied credit by XXXX XXXX  because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was denied credit by Synchrony Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called XXXX  and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I initially started a refinance mortgage with our current lender PennyMac only to find that they were unable to lend us enough money. Another lender was willing but needed a copy of the VA appraisal - that we paid for - to finalize the deal. My original request was on XX/XX/2019. As of this writing the VA appraisal transfer has yet to take place despite six phone calls, even more emails, to loan officers, customer service and the like. Yet what do I get for my faithful payments as a customer from XXXX - NOTHING. The current lender is now going to have to charge me {$1200.00} more because of the delay in transferring a simple VA appraisal from one lender to another - what strikes me as a fairly standard, and simple, process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc.
State: CA

Complaint narrative:
My student loan is in default. National Credit Services has been contracted to rehabilitate my loan. I have been making them payments. They do not give me any information about the progress of my loan rehabilitation. The operators conveniently lose or do not complete payments when I call them in. I believe they intend keep me making payments as long as possible without rehabilitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Not able to open account

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 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
This claim was closed by XXXX XXXX XXXX along with XXXX -- CFPB claim XXXX. There is no owed debt. XXXX XXXX XXXX is not processing and acknowledges that the debt is not owed. 

Neither party could provide the XXXX XXXX for the phone in question which was never used and returned to XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The complaint that Wells Fargo closed on XX/XX/XXXX as being duplicate is actually a new complaint. As a follow-up to complaint # XXXX, Wells Fargo mandated closure of our personal checking account ending in XXXX and opened a new personal checking account ending in # XXXX. This account was opened two weeks before this event ( payment of a counterfeit check ). We had not written any checks on the # XXXX account nor had we shared the account number with anyone. A counterfeit check was negotiated by Wells Fargo that overdrew the account. The check was an OBVIOUS FRAUD, yet Wells Fargo paid on it -- causing the account to be overdrawn. 

I expect Wells Fargo to provide written answers to the following questions : 1. The XXXX ( counterfeit ) check was written on a Wells Fargo Commercial ( misspelled " Commerical ' ) Disbursement Account, our account is a personal checking account. Why was the check negotiated? 

2. The name printed on the check is XXXX XXXX XXXX in XXXX, FL. This is not the information printed on our checks. Why was the check negotiated? 

3. The check number is XXXX. Our account had just been opened and the checks issued started with # XXXX, Why was the check negotiated? 

4. The signature is neither mine nor my wife 's, nor was there an attempt to mimic either of our names. The name of the person who signed the check is not an authorized signer on our account. Why was the check negotiated? 

5. The check overdrew the account by {$460.00} -- we have never overdrawn our account. Why was the check negotiated? 

6. Wells Fargo did not detect the fraud and stop it. On Saturday, XX/XX/XXXX, I got an email that the account was overdrawn. We were charged a {$35.00} overdraft fee which I got reversed when I closed the account. How could Wells Fargo miss this obvious fraud and assume we overdrew the account? 

There were a number of " red flags '' that Wells Fargo missed that should have caused them to reject this check? Since we have not issued any checks on this account and have not provided the account number to anyone, the investigation needs to focus on Wells Fargo and the company that prints the checks. I have already provided a copy of the letter dated XX/XX/XXXX from Wells Fargo Phone Bank which discloses our full account number and a form from Wells Fargo that discloses our complete Social Security numbers. A police report has been filed and I will provide a copy when I get it.

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 2019-12-31 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:
EQUIFAX HAS RECENTLY VIOLATED THE F.C.R.A., ILLEGALLY DEPICTING XXXX XXXX  ACCOUNT NO. XXXX IN A TEXTBOOK EXAMPLE OF RE-AGING BY THEIR DEPICTION OF THE PAYMENT HISTORY.THIS VIOLATION CARRIES A {$1000.00} PENALTY WITHOUT PROOF OF INTENTIONAL NEGLIGENCE. 
THE PROOF OF MY ALLEGATIONS ARE ATTACHED. 
UNLESS THE ACCOUNT IS DELETED PROMPTLY I WILL CONTINUE TO ACCUMULATE FALSE VERIFICATIONS UNTIL I HAVE EXCEEDED THE SMALL CLAIMS COURT LIMIT OF {$10000.00} IN STATUTORY DAMAGES AND PROCEED TO COURT TO OBTAIN A JUST JUDGMENT AGAINST EQUIFAX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital needs to provide how they verified this debt to the credit bureaus. How did you verify a debt using E-OSCAR? Provide through the CFPB portal the physical documentation your provided to the credit bureaus. If the information was sent as a numeric digit back to the credit bureaus then you have failed to do reasonable complete and accurate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express is reporting a credit card account that I never applied for. It is said it was opened XX/XX/2014 with a balance of {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank Yanks {$1600.00} in Costco Rewards Points and Closes Visa Card Account Without Warning After years of paying my Citibank Costco Visa on time and in full EVERY month, Citibank closed my credit card account WITHOUT WARNING several days ago and took the {$1600.00} Costco rewards points my husband and I had accumulated over the past year by spending tens of thousands of dollars at Costco. They said they closed the account because the payment I made for the most recent bill failed to process due to insufficient funds. I explained to both Citibank AND Costco that I was in XXXX for work when I scheduled this payment, and that, due to Internet access  restrictions in XXXX, I was not able to view the bank account balance to confirm that the account contained sufficient funds to pay the bill in full. However, as soon as I returned to the US and received a notice about the failed payment, I paid the bill immediately, in full, from a different bank account. 

After trying to use the Visa card this past weekend and having transactions declined, I called Citibank customer service to find out what was going on. They said the account had been terminated, the {$1600.00} Costco rewards points were now no longer in existence, and there was nothing they could do since THEY closed the account. Citibank said they had sent me a letter explaining that the account would be cancelled. We never received any letter. When I asked them on the phone to tell me why the account was cancelled, they were unable to provide a reason. When I asked that they provide me with a copy of the letter, they said that was not possible. 

Citibanks only response was to say I am welcome to apply for a new account! ( a new account that would of course come with {$0.00} reward points ).

Right now, I am just really frustrated. I feel like someone has just stolen {$1600.00} out of my pocket and after I found the perpetrator, they wont do anything about it. Unless this issue is resolved and the reward points are returned to me, I will never do business with Citibank ever again.

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