vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 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 recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2018 my business checking account with Capital One Bank ( acct : XXXX ) was surreptitiously debited in the amount of {$2500.00}. At the time I had multiple business and personal accounts dating back years. The Capital One, XXXX, MD. branch representative could not explain how someone took the money but indicated that the debit was through XXXX XXXX XXXX. I pleaded with Capital One to reverse the charge and they seemed to not have been able or unwilling to assist. 
Around this time I was leasing one of my properties to XXXX XXXX XXXX ( see attached email ) who admitted that they banked with XXXX XXXX XXXX. XXXX XXXX vehemently denied withdrawing these funds from my account although they had the account and routing number to make rent deposits. In fact the funds that were debited were from a security deposit that would soon have to be returned after their client moved from my property. XXXX had no authority to make debits from my accounts ; although Capital One alluded to XXXX having been involved. 
I asked that a case be opened with Capital One and I never received a case number and the bank went further to debit a second account ( XX/XX/2018 ) I held in the amount of {$1300.00} to make the bank whole from the negative position my account was left in as a result of the unauthorized action. The bank refused to return my funds and / or assist with filing a claim with the FDIC. Today I can no longer access my account records, nor can Capital One customer service. This appears to be fraud and has cost me financial and emotional distress. I have attached the two affected accounts as well as a line of conversation with the company alleged to have taken the funds. I can be reached on XXXX if you require more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
Loan was with XXXX - established loan XX/XX/ in the amount of {$40000.00} with total program fees of {$2200.00} Total Interest {$1000.00} - Total Special Tax Assessment in the amount of $ XXXX.- When the loan was offered to me, I was told that the loan was on the house and that I would not be responsible for the loan when and if I sold the house. I recently started to consider to sell the house and move to another location. Our Realtor told me that there is a Tax Lien on the house and that I would have to pay off the loan if I wanted to sell the house. The only reason that I considered taking the loan is because I knew that I would be selling the house within the first 5 years of living in it. We are going into the 5th year of living here in the house. I am extremely upset with myself because I was mislead about the loan conditions. I will be XXXX years old next month and find myself in a predicament of not being able to sell my house. I have been doing some research since I found out about the conditions and was told that this is considered to be a PACE loan, which was never explained to me as to what that meant. I need some help on taking care of what I feel was a fraudulent representation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2019-11-26 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:
I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Inquiry -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 2019-11-26 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: NY

Complaint narrative:
I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Inquiry -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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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: TN

Complaint narrative:
XX/XX/2019, AFNI INC, caused my phone to ring attempting to collect an alleged debt. 
The prerecorded greeting states they AFNI is a debt collection agency and they are actively attempting to collect a debt. It further went on stating all information collected during the phone call will be used to collect alleged debt. 
When the male associate picked up, he immediately assumed my identity. His first words were " XXXX   XXXX? '' The associates I spoke with did not identify themselves, I had to ask them for their names repeatedly. 
I do not have any CONSUMER INITIATED accounts open with AFNI INC . 
XXXX, the second associate of AFNI that I spoke with, informed me that they collected my information from the XXXX XXXX data base, but she would not disclose any information on the alleged debt. She stated she can not give me any information without me first verifying my personal information such as my current address. XXXX also informed me that I did not sign any release of information or any contract with AFNI, that they are a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: UT

Complaint narrative:
New Issue Experian has not yet suppressed the negative XXXX  account listed after now receiving the third police report XXXX now from detective XXXX XXXX from the XXXX XXXX police department. XXXX sent a letter stating the information has been suppressed to the credit bureaus yet Experian is the only credit bureau still reporting this information. You are required by law to suppress accounts that have fraudulent activities and a valid police report is sent to you all.

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 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2015 I walked In to XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX and a cheap fix being I was XXXX XXXX and had no Insusurance. I told the nurse at time of check In that I had no Insurance. She ask me some basic questions then walked out into the hall and ask the doctor If he had a moment to check me out. ( No charges were discussed for the up coming price gauging that was about to happen to me! The doctor rabbed soe type of a XXXX  XXXX  shoved it up my XXXX  ( literally 10 seconds in each XXXX  ) and walked away. I was then shown an XXXX  and told I had all kinds of problems and handed me a bill for XXXX. I never consented to any charges and This amount of charges for 20 seconds with a XXXX  XXXX  are ridiculous! I want this removed from my credit history! PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I ordered a refrigerator  on XX/XX/2019 and it didn't get through our door. So your delivery people took back same day. However I still get a bill although I called to explain few times. Could you fix this issue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my XXXX XXXX opened a Credit Card with Capital One. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. XXXX  and XXXX  will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at Capital One that this was a business account, not a personal account. Repeated inquiries to Capital One were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : A letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to CHASE CARD/JPMCB CARD was XX/XX/XXXX submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. 

I received a timely response from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist stating : " We've updated your account information with XXXX, XXXX, XXXX, and XXXX  credit reporting agencies. '' I replied with a letter XXXX USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX  dated XX/XX/XXXX as proof that the company did not furnish the required disclosure. 

I received a letter from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist requesting more information in order to assist me. The information requested : Name Address Account Number Social Security Number Description of dispute Supporting documents Signature After furnishing the requested information via a letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) I received another letter from the company dated XX/XX/XXXX from XXXX XXXX Customer Service Specialist requesting the exact same information submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank is a great example of banks taking advantage and gouging customers. My account was overdrafted even though i have made several calls demanding my account to deny any ach or charge to the account with insufficient funds. Even after this chase bank allowed a transaction to overdraft the account. They paid a principal amount of XXXX Us Dollars. They charged me a total of XXXX. They have collection department calling at early morning when I'm sleeping. Over 8 calls in 20 mins is completely unacceptable and unethical. Dealing with a personal injury case, im trying to recover and chase has no care or dignity on how they deal with loyal long term customers. I have offered to pay the principal amount on the account and I am harrased by their collection department. Law suit soon to follow against JP Morgan Chase Bank regarding harrassment by their collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: MI

Complaint narrative:
I am writing this due to the non compliance of ( XXXX, equifax, XXXX ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received this email : Please see below. 

Lawsuit Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a Premier Student Loan Center, et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. https : XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver gets many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer. 

The Companies which have been sued : XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; Some of the other names defendants used include the following : XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation