vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The credit card company is taking money out of my bank account for no reason and refuse to research where this money is going to. They have no authorization to do so.

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 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mortgage Company, Wells Fargo Home Mortgage finance my loan with the incorrect address, Instead of two units, duplex it listed the address as 71 properties to one thousand properties.on the Fixed Rate Note The Deed of Trust and the 1-4 Family Rider.

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 2020-05-06 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: GA

Complaint narrative:
I send Equifax a certified letter identifying in the letter that the accounts are not mine and to please send me documentation that these accounts are mine or take them of my credit report ASAP! I got a letter backing saying that they receive my certified letter but can not find a credit file that match the information.Bare in mind I send a copy of my drivers license proof of address Social Security card etc.I sent out another certified letter ASAP I received a next letter saying they receive my certified letter but cant find my credit file again now this is going on for approximately three months! I call the phone number on the letter and spoke to an agent who answer the phone and said please provide me with your information to find your credit report I provide the agent with my personal information which the agent alerted me that she found my report and proceed to ask me how can she help I told her I have been sending Equifax certified letters explaining that their are a few accounts on my report that are not mine, she ask whats the name of the account I gave them to her she then told me that they spoke to the creditors and the creditors said the accounts are mine I said can you please send a copy of every document that I sign showing these accounts are mine? ( She said no ) I said to her in that case Equifax need to take them of my credit file ASAP! She said they cant I would have to contact the creditors I ask did the creditors put those accounts on Equifax data base I then explain to her that I have to provide for my family and with these accounts that are not mine are making it harder for me to provide for my family.She said is nothing more she can do for me and the phone call ended. Equifax need to held accountable for negative information on my credit file they I love this to happen without proof or documentation. I need these false accounts to be removed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is allowing a unverified debt to be posted to my credit report. Experian and XXXX XXXX have not supplied documentation to prove I own this debt. 
XXXX XXXX submitted a fraudulent unverified debt to the credit bureaus under my profile. 
XXXX XXXX is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation XXXX XXXX has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. XXXX XXXX also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.

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 2020-05-06 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:
I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX  {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX {$240.00} 7 ) XXXX XXXX XXXX  {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX  {$11000.00} 12 ) XXXX XXXX XXXX 13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The returned declined decision stated serious delinquency and number of accounts delinquent to my knowledge I have none, I can prove I constantly monitor XXXX XXXX, that might not be the best source but I received no calls from collections and have none on my record. Im XXXX years old, have over a XXXX savings, small business owner, and have made over XXXX 5 years in a row and Im scored at XXXX????? I still have XXXX XXXX car loan on my transunion report I paid off in month ago and XXXX acknowledged payoff and my score is lower then transunion???? This is a joke I have a little brother that makes XXXX a year and has XXXX credit meanwhile I cant get a couch at XXXX XXXX, please review my account, if I have outstanding debt let me know I will pay on spot and move my XXXX XXXX score higher, I apologize for cursing but credit makes the world go around and Im getting XXXX by everyone, Ive paid multiple loans for large amounts, been renting for 3+ years at XXXX a month ( which I know isnt reported ) which should be, Ive paid {$2200.00} a month for almost for years and never late and I get refused for a XXXX side by side???? Please fix your system

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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My mother was an American Express card member and she passed away the end of XXXX. My husband called American Express the first week of XXXX to inform them of her death and offered a death certificate but they declined. The very next day, we were bombarded with phone calls from American Express wanting to know her estate details. Soon after that we were bombarded with calls from their debt collector XXXX XXXX XXXX trying to collect on behalf of her estate. Every day we have had someone calling and each time we have explained that she was in a XXXX home and there is no estate and no lawyer handling her estate. We did not even have a funeral, no time to grieve and American Express along with XXXX are calling every day and went as far as to send mail to my husbands distant family regarding the matter when they didnt even know my mother! Just because we share the same last name you do not know the actual relationship. So Pursuant to my rights and my familys rights under the Fair Debt Collection Practices Right, I want American Express to send actual documentation that shows that I or any of my family members owe my mothers credit card debt. Provide in writing the date that we incurred the debt and our signatures and anything else that shows we are obligated to pay this debt. One of the last calls I received on Thursday XX/XX/XXXX at XXXX from an American Express Employee calling from phone number area code XXXX XXXX XXXX XXXX XXXX, she was so ridiculous in her attempts to collect information about myself while she shared my mothers debt information to me including how much she owed, etc. No consideration whatsoever & completely insensitive! Here we are in the middle of a pandemic and every single day of it we have had debt collector calls about my mothers American Express debt. Where is it legal to harass family members of deceased persons for their debt and to randomly send correspondences to people they have not confirmed are actual family members of the deceased? It has been 2 months of nonstop calls and now letters from Amex/XXXX XXXX XXXX are being sent to distant relatives homes. This has to stop. No one should have to deal with this. There is no estate, no executor, no lawyer! I am also filing a complaint with the Federal Trade Commission for the unfair business practices and stressful tactics used because I want all communication to my cell phone, my husbands cell phone and written correspondences to unknown family to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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: FL

Complaint narrative:
I wrote a letter to Experian dated XX/XX/XXXX asking to reinvestigate an account. They responded on XX/XX/XXXX that the account was verified. I asked for a description of their procedures on XX/XX/XXXX and they responded on XX/XX/XXXX stating that the address provided has not been reported to my credit and I needed a copy of my DL and ID. Even though if you were to look at my credit report. My current and only address is on there and I sent them a copy of my DL, SS card and a current utility bill

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I called TransUnion because I had Inquiries on my credit report that did not belong to me. I had to hold on for 55 minutes until a Representative got on the phone and when they answered, the Representative told me that I would have to find out the company and call them. I asked how could they Allow someone to put something on my credit report that they had not Investigated. Thats the answer I got after an hour and 34 minutes. I ask to speak to a supervisor but after all that time I just Hung up. Still with no 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 2020-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was offered a job and was given a fraudulent check to be deposited in Bank of America from the company. The company scammed me because there was no job and bank of america said that they were going to protect me as a customer in case the check was fraud. Why would they allow a fake check to be deposited? They verified the check was good and allowed me to withdraw the money. I filed a police report a while back. Bank of America has the audacity to given me 60 charge offs! & has ruined my credit, I need this account to stop being reported to the 3 major credit bureaus, XXXX, XXXX, and XXXX. I will be filing a complaint with XXXX, CFPB, FTC and any other company that will accept complaints! This is unacceptable, I'm giving Bank of America the chance to do the right thing, to close out the account completely and stop reporting this on my credit. I not I will file the complaints and take this as far as it needs to go to get removed from my credit reports. I am sending a letter and letting you guys know that I want this to come off ASAP. please stop reporting to the credit bureaus. I will be waiting on their response.

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed.

1 ) XXXX XXXX XX/XX/XXXX2 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XXXXXX/XX/XXXX 10 ) XXXX XXXX XXXXXX/XX/XXXX 11 ) XXXX XXXX XXXX  XX/XX/XXXX12 ) XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXX   XX/XX/XXXX 14 ) XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX XX/XX/XXXX 16 ) XXXX XXXX XX/XX/XXXX 17 ) XXXX XXXX XX/XX/XXXX 18 ) XXXX XXXXXX/XX/XXXX 19 ) XXXX XXXX XXXX  XX/XX/XXXX20 ) XXXX XXXX XXXX XXXX XX/XX/XXXX21 ) XXXX XXXX XX/XX/XXXX 22 ) XXXX XXXX XX/XX/XXXX 23 ) XXXX XXXXXX/XX/XXXX24 ) XXXX XXXX XXXX XX/XX/XXXX 25 ) XXXX XXXX XX/XX/XXXX 26 ) XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: GA

Complaint narrative:
This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! 
I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. 
I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! 
Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. 
They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX  is allowing a unverified debt to be posted to my credit report. XXXX  and Wells Fargo have not supplied documentation to prove I own this debt. 
Wells Fargo submitted a fraudulent unverified debt to the credit bureaus under my profile. 
Wells Fargo is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation Wells Fargo has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. Wells Fargo also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX, I used Capital One credit card to make a pre-order purchase for XXXX. It was declined subsequently numerous times. Calling the call center, it turns out they deactivated my card without a consent and activated a new card I have not received. A credit card 's principle is reliability in purchasing ability, and Capital One failed to accomplish the very basic financial duties. I asked for a closure of an account or the annual fee waiver, and I got a very bad rep attitude saying I need to call her back after XX/XX/XXXX ( the account closure ) date to process this request. I have been on hold for 3 hours today just to get hold of anyone. The account is currently charged with the annual fee. If this complaint does not resolve, I am willing to take this to a small claims court where my hourly fee will incur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 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: GA

Complaint narrative:
I requested a papy copy of my consumer report because I was getting alerts of severe delinquency that was affecting my credit score. I recieved a report from Transunion and noted inaccurate information. On XX/XX/2020 I mailed a certified letter to Transunion asking them to reinvestigate an incorrectly reported account on my consumer report. I recieved a response dated XX/XX/2020 with an additional copy of the updated copy stating " Verified as Accurate ''. Having this serious delinquency being reported has impacted my credit worthiness and caused me to pay higher interest rates and be denied lines of credit. Transunion violated my consumer rights according to 15 U.S. Code 1681b.a ( 2 ). I have been caused great financial harm and emotional strain due to this inaccurate reporting and unwillingness to correct my report. As a veteran of the United States XXXX XXXX this information misrepresents who I am as a responsible consumer.

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 2020-05-06 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 — Investigation took more than 30 days
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with explanation