vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: WA

Complaint narrative:
I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

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 2020-05-15 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: WA

Complaint narrative:
I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.

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 2020-05-15 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: MO

Complaint narrative:
What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. 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 2020-05-15 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: MO

Complaint narrative:
What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The reason that the lease with XXXX XXXX XXXX was due to health reasons. Living in those apartments caused severe XXXX   XXXX due to pets living in that apartment prior to us living there. I did ask the manager if any pets lived there and he ignored the question nor did he make the follow-up question- " are there any XXXX ''. It turned out that the prior tenants did have a pet and there was pet hair everywhere in the apartment. Second reason for leaving that place ASAP was due to the maintenance man coming into my apartment unannounced, and without me allowing him to come in. This became a safety concern. We brought this up to the management and they did bring it up to his attention that this was not allowed, but the maintenance man still did it again after. He came in my apartment without me giving him permission to come in. I did not know why he was coming in without my authorization, I had already told the management, and it kept happening. Not sure what management was expecting, the apartment caused me severe XXXX   XXXX, and it made me feel unsafe by the maintenance man coming in without my consent. As a consumer I believe that I have the right to choose where to live, if I do not feel comfortable living in a certain location, especially when the landlords are violating my right to privacy, safety and living health conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Citibank account for a little over 2 years. No problems. No overdrafts. I even have my sales from my merchant account deposited daily to my savings. Well everything was going good until I accepted their offer to upgrade me to gold status. I accepted the invitation with over $ XXXX & counting in my accounts. I go to apply to buy a new car & my account is locked right after XXXX XXXX rubs my credit. I call them after they email me from fraud. Of course theyre closed. I wait until Sunday, XXXX XXXX and get the complete runaround. Im told my account is locked and set to close. This is a shock to me because they just upgraded me to gold status! How could this be?! Long story short, I call from Sunday -Tuesday and finally decide to go to the bank. Im told I cant remove any of my funds because of fraud. Fraud?! Ive had this account for over 2 years! What fraud?! They process my business sales! How could I be fraudulent?! This is my only account and I have no access to my money to run my business or my household. My bills are all on auto pay and now theyre are bouncing back! Citibank is trying to ruin me! Ive worked hard for my money! Im a single mother of two with a successful e-commerce business & happen to be XXXX. I feel I am being XXXX XXXX. I need my money. Please 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 explanation
Consumer complaint received 2020-05-15 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: BANK OF THE WEST
State: CA

Complaint narrative:
1 : XXXX XXXX XXXX keep taking {$1400.00} out of my checking even we made an agreement of {$230.00} per month 2 : XXXX allow me to wait 60 days no caroaument and credit card payment but still tried to charge my bank accounts in 6 loan regarding car payments. I took them of autopsy in XXXX since they double taking out my Carpayment just my XXXX was paid 3 times in last XXXX. 
3 : I stop XXXX, XXXX XXXX all my credit cards payments inc car loan in XXXX since the corona virus start affecting us early XXXX close office XX/XX/14 as we where ask to do but everybody kept on trying to make me pay so my bank of the west charge me over {$3100.00} just for month of XXXX in overdraft fees I asked them to return it as they refuse so I bunch payroll taxes etc cost me over {$300.00} in payroll fees etc. My employees did not get paid. So in XXXX I had to freeze my account since all my billing insurances companies Have direct deposit with me. So its 36 different insurance companies so it is a kit if work for me to upload new checks do on and it took me 2.5 months to get a ppp loan. My rent had not been paid they are still letting checks in charging me overdraft fees even when I have money in the bank. This bank of the west in XXXX XXXX need to be discipline. I live I. XXXX XXXX small town about 180 000 and its a very hardship on me and my husband. What can I do. Please help us out here XXXX. My husband is over 80 still working and a great 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 2020-05-15 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:
I have a XXXX account being reported to my Experian credit file Ive contacted XXXX and Experian for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.

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 2020-05-15 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: DISCOVER BANK
State: MA

Complaint narrative:
Due to the corona virus I was not able to make my monthly payment on my credit card. Discover Card put a negative mark on my credit report. I made a hardship agreement with them and they told me no negative marks would go on my credit. Well it did. Want it removed due to the sisuaction going on in the world at this time. And I set up a withdrawal every XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had been browsing the internet and a servicman is eligible for help with Capital One Bank even if not presently serving the military but another alternative for a Veteran as myself but not approved after stating I would hear from the bank in days as approved but misleading not exactly stating in words. A Veteran is never to be denied a benefit when in need financially but I was by Capital One Bank. There was guarantee of financial assistance with Capital One Bank because of serving your country now disapproved. It may have been thousands of dollars offered which is needed but they don't want you to have the money offered an injustice to me as a Veteran and senior citizen of the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a Wellsfargo account being reported to my XXXX credit file Ive contacted Wellsfargo and XXXX for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.

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 2020-05-15 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: LA

Complaint narrative:
I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!

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 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: LA

Complaint narrative:
I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!

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 2020-05-15 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: LA

Complaint narrative:
I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of ideninity theft reported to usaa XX/XX/XXXX FRAUD {$470.00}. FTC CASE XXXX XX/XX/XXXX - XX/XX/XXXX USAA never resolved ANY fraud. I have been fighting usaa attempting to get usaa fraud credits since XX/XX/XXXX. USAA HAS DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT. Finally XX/XX/XXXX usaa provided fraud credits {$460.00} WITH NO NOTICE OF THIS CREDIT AS PER POLICY. WHY NO NOTICE?? I have called 6 times usaa REFUSES TO TELL ME SPECIFICALLY WHAT PURCHASE DATES THIS FRAUD CREDIT IS PAYING FOR XXXX USAA HIDES THESE FRAUD CREDITS. USAA WILL NOT PUT IN WRITING THE DATES THIS FRAUD CREDIT COVERS ( BECAUSE ** IT IS YEARS LATE. ) USAA DOES NOT WANT THIS IN WRITING. ** I HAVE A RIGHT TO WRITTEN DOCUMENTATION WHAT THESE CREDITS ARE PAYING FOR ON THIS INACTIVE. CLOSED ACCOUNT. WHY IS USAA COLLECTING ON ID THEFT case XXXX reported XX/XX/XXXX??? USAA NEEDS TO PROVIDE WRITTEN DOCUMENTATION ON THE ABOVE TO MY HOME ADDRESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted XXXX  to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from Fifth Third Bank and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: KY

Complaint narrative:
I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX  to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted Transunion to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from XXXX XXXX XXXX  and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.

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