vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: VA

Complaint narrative:
XXXX XXXX is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and Experian Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which 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 2019-08-26 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Applied for the new IHG premier credit card. 

XX/XX/2019 -Received the card on Friday ( Approval was the week before ). Card went thru partner verification with IHG so IHG approved it and card was issued. Card is being used all over weekend and even Monday XX/XX/2019 with no issue. 

XX/XX/2019 - Tried to book 4 nights at a hotel, was getting charged for the 4th night. Tried calling IHG, they do not have an updated information. Said I should call chase because the problem is at their end. 

Called chase and chase stated I have the benefits as soon as I activate the card. The card is already approved and it shouldnt go thru anymore verification. 

Called IHG again and they stated it may take 4-6 weeks for my information to be updated and for me to be eligible for 4th night free. 

That is just a summary, actually its more of a whole day of calling and contacting chase and IHG and ultimately IHG stating that its because their system is not updated. Contacted IHG thru live portal, phone call and XXXX  XXXX ( I hate transcripts for this one ). Nobody can help. The fact that in no place in terms and condition does it say that I am not eligible for the 4th night free during a certain period is fraudulent marketing. Somebody forgot to update my information in their system and I am the one who ends up suffering because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one allowed someone to open a credit card in my name and social and now capital one refuses to remove the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: NV

Complaint narrative:
This is my second complaint regarding this issue with Equifax. The first time they responded by saying the issue would be resolved and it has not. Yet again, instead of REMOVING the fraud alert, they put one it as stated in an email I received. And once again, when I call, I get " Oh, we can't verify your identity based on the security questions '', but those questions are asked in a way that I honestly can't remember the answers! Which leads to me having to send in documents which I have done twice just to be run around in circles and end up filing a complaint. I am sick of dealing with the people at Equifax and wish they would just REMOVE the alert from my report ASAP!!! And I DO NOT want to hear them say anything about verifying my identity through documents because I've done that already! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Attempted to resolve the ongoing issue with USAA by Arbitration per user agreement, however, unable to serve and their registered agent claiming they are not authorized to do business in the State of Washington.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
This is a follow-up complaint to Case # XXXX. 

I reviewed Experian 's response, dated XX/XX/2019, and it is insufficient, as a matter of law. 

Strangely, you closed this case anyway. 

Re-read my feedback and re-open my initial complaint, BECAUSE I HAVE NOT RECEIVED MY COPY OF THE TWO LETTERS FROM EXPERIAN 'S GENERAL COUNSEL THAT THEIR RESPONSE RELIES ON. 

Said differently, MONETARY RELIEF IS REQUIRED. THAT IS MY POLICY. 

Thus, CFPB can either be an investigator ( and a witness ) or a defendant in my pending lawsuit against Experian. Choose wisely.

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 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of Eaton Group Attorneys. XXXX of XXXX I contacted Eaton Group and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a XXXX credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from Eaton Group in  approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this XXXX credit card account. I once again never received court documents until they were supposedly filed against me. I notified Eaton Group Attorneys that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to Eaton Group requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting XXXX regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. XXXX credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. Eaton Group Attorneys has failed to submit information from 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 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
Just received threatening calls from an anonymous number. Just called them to have them send me written notice of my debt but they refused and said they will consider that i owe it. Very unprofessional and harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX  US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXX XXXX XXXX HXXXX XXXX XXXX  There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was incorrectly charged a late and interest fee from Syncrony Bank. After one complaint, they removed the late fee. Then in interest fee showed up on my online account. So I chatted with an online customer service rep and they said, interest fees can not be removed. So I called their customer service, and service rep said, interest fees can not be removed. Luckily I knew I could ask to speak to a manager, so I did. I spoke to a manager,  they said interest fees could not be removed. So I spoke louder with a deeper voice and the manager said he would see what he could do. The interest fees where finally removed. I asked to speak with another manager about this policy of lying to their customers. She said that the customer service reps in fact do not have the authority to remove interest fees. But the customer service rep did not say that he could not remove the fee, just that it could not be removed. Luckily I know to fight back but Im guessing most people do not know that they have to argue and get upset for the company to do the right thing. My fee was a very small amount and it took me nearly an hour to sort out. Im guessing they would put up a much longer fight over a larger fee. Its wrong for them to lie to me three times saying, the interest fee can not be removed, when in fact it was.

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 2019-08-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Im not responsible for this debt and would like it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO XXXX for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by XXXX XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I helped my son, XXXX XXXX open a checking account on XX/XX/XXXX, and I funded his account with direct deposit coming out directly from my company, XXXX. Everything was working fine until on XX/XX/XXXX when their fraud department called him and tried to verify his account. They tried to get him to confirm his ssn, and since it was an incoming call, of course he wouldn't provide any personal information. The person on the phone threatened to freeze his account if he won't answer those personal questions but he had no choice. He insisted that he would call back which he did. The account at that time was blocked. He was informed to go inside the bank to confirm his identity. Both he and I went into the branch and provided all the requested info the following day. At the time, the banker, XXXX XXXX said that my son still had to call on Monday to unblock the internet access since that area are only opened weekdays. My son tried to call on Monday, XX/XX/XXXX but was again given the run around that he has to go back into the bank to add my name. He was told that in order to access his funds, he needs my name added to the account which makes no sense. I am in XXXX, and my son is in XXXX. I helped him open the account so he can manage his own money since he just got a new job His job requires him to work M-F from XXXX so he wouldn't be able to go into the branch again ( why does he need to anyway, he already went and the banker confirmed who he is and who I am??? ). I don't understand why my name has to be added to his account which wouldn't be a problem if 1 ) my son didn't just start his new job, and he can't just leave to go into the branch a second time and 2 ) they are now asking that both he and I go into the branch but I'm don't live in the same city anymore. I think this bank knows our difficulty and wants to hold on to our funds while putting obstacles for us. Others should be aware of their unscrupulous practice.

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 2019-08-26 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:
There's two accounts and a fraud address. ( XXXX card, XXXX XXXX XXXX, and the address XXXX XXXX XXXX not mine fraud ) On my Experian credit report. and have submitted Copy of credit report and Federal Trade Commission Identity Thief report # XXXX. I have submitted this information to Experian but they have not cleared or deleted these accounts and address.

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 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I don't know where this debt came from. I've asked repeatedly for validation of this debt. What they send me are bills that do not match any of my personal information except my name. Please investigate and remove this account from my credit reports. I am sick with XXXX and can not continue to go round and round with this company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Vehicle was repossessed on XX/XX/2019 for disputed payments. After several unsuccessful attempts to reach company was finally provided a fax number to submit my payment history. I was notified via letter that property would be sold on XX/XX/2019. On XX/XX/2019 I submitted payment history evidence noting omitted and inaccurate payment history. I requested return of my vehicle and have not met with a 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 explanation