vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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: TX

Complaint narrative:
I have sent numerous written requests to TRANSUNION CREDIT REPORTING dating back to XX/XX/2020, XX/XX/2020, XX/XX/2020 notifying them that there were numerous hard inquiries on my TRANSUNION CREDIT REPORT and requested that they investigate and remove them immediately as they were NOT authorized by me. As of today XX/XX/2020 the unauthorized, fraudulent inquiries still remain without explanation or response from TRANSUNION. I have also written notices to the companies listed on my TRANSUNION report and the response has been to contact TRANSUNION. Therefore, pursuant to FCRA I am enabling my right to have these inquiries removed immediately and written statements stating the documents have been deleted permanently. I have also contacted TRANSUNION several times by phone and their customer service agents were unable to help me with this issue. Many of the same unauthorized inquiries have been investigated by the other Credit Reporting agencies XXXX  and XXXX ( attached to this complaint is validation from XXXX  that the inquiry was removed ) Also is included a letter from XXXX XXXX XXXX  also verifying my account was fraudulent and they contacted TRANSUNION to remove it. ) and determined to be unauthorized and correctly removed. Since TRANSUNION refuses to follow the statute set forth in the FCRA, and I have written to all companies involved as well as call numerous times without any resolution in over 60 days from the first contact I must request assistance from the CONSUMER FINANCE Department. The inquiries to be removed are : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX CR XXXX Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 Finance/Personal ( 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 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$5100.00} XXXX/XXXX  XXXX {$2300.00} XXXX/XXXX  XXXX {$320.00} XXXX XXXX {$18000.00} XXXX/XXXX XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}

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 2020-04-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$5100.00} XXXX/XXXX  XXXX {$2300.00} XXXX/XXXX  XXXX {$320.00} XXXX XXXX {$18000.00} XXXX/XXXX XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a credit card with Barclays Ring Card. I tried contacting Barclays multiple times regarding the COVID 19 pandemic and was on hold for hours each time. Even sent an email though the secured message option that Barclays suggested and have not gotten a response. I finally got a hold of a customer service representative on XX/XX/01 who advised me that my payment would be deferred for 2 months and I would not incur a late fee. However, I have been charged a late fee and now my payment due is twice as much. I've tried contacting them but they are non-responsive.

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 2020-04-06 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc
State: PA

Complaint narrative:
Hello, My Transunion credit bureau reflects a debt from JJ Marshall & Associates iao {$1300.00}, listing the original creditor as XXXX  XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent my third letter to JJ Marshall & Associates and a copy of this letter certified tr # XXXX to XXXX  requesting a verification of this debt. As of XX/XX/XXXX I have still not received any verification, yet they continue to report this debt. Under FCRA Section 616 and 617 this is willful and negligent noncompliance. Under section 611 they are required to delete all information which can not be verified. 

I ask that you please cite my complaint for non compliance by both XXXX  and JJ Marshall. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX  XXXX  XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-04-06 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX  XXXX  XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Step 1 : What is this complaint about? 
Bank of America has restricted my account XXXX during this serious covid - 19 pandemic alleging unusual activity on my account from XX/XX/2020 They are requiring me to contact them on a specified number to resolve the issue. Every time I call them during normal business hours on that specified number, the automatic machine states ther e's no one available to assist me and then terminate the call. I made two normal transactions, one at a food eatery and the other at a gas station, totaling less than {$50.00} collectively. Step 2 : What type of problem are you having? My account is restricted alleging unusual activity requiring me to call into Bank of America to resolve the issue. There is no one available at the number they've emailed me as well as listed in my online banking section to contact them at. As a result my account is remaining restricted and I do not have access to my funds or a true option to resolve the issue of their error. Step 3 : What happene d? 
I have reached out to them at XXXX to resolve the issue and no one is available to assist me. 

Step 4 : What company is this complaint about?

Bank of America Step 5 : Who are the people involved?

Myself and Bank of America

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 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have tried the last month to contact Citibank without having been successful on several occasions, the associates do not answer the calls, on several occasions I have called and I have had to wait long periods of time between 45 and XXXX, nobody gives reason why I can not enter To the platform to pay my bills, I try to close the checking account but the associates do not offer support for this transaction. I don't want to be fined and I don't know what to do, nor can you wait hours on the phone for a financial service provider to effectively resolve the situation. Please help me to close my checking account as I can not contact any Citibank associate.

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 2020-04-06 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: AR

Complaint narrative:
My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX/XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: DE

Complaint narrative:
Debt not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, a direct deposit of {$1100.00} was expected to be in my account. I contacted my HR  company ( XXXX to follow up. ) My HR company informed me to allow them 3-5 business days so they can collocate a trace number. 
On XX/XX/XXXX, I again contacted my HR  company and they informed me that the money had been received by CHASE, and they had placed the money in the incorrect account. My HR  company provided me with trace number XXXX. 
On XX/XX/XXXX, After speaking to my HR  company I contacted the bank and provided them with this trace number. The bank representative XXXX, informed me that they needed the incorrect account number to locate the funds. I provided the bank representative with account number XXXX and routing number XXXX, and she informed that she had located the funds. She informed me to wait 2-3 business days for the money to be relocated to my account. I was provided with claim number : XXXX. 
On XX/XX/XXXX, I found that the funds were still not available in my account. I contacted CHASE, and Supervisor XXXX informed me that the individual that I spoke to on XX/XX/XXXX, had lied to me and that they could not locate the money, and they could not assist me with my claim. I later to request to claim number, and spoke to representative XXXX, and he informed me that they had located the funds, but could not reverse the funds to my account, because the funds had been placed in an active account, and a reversal needed to be done though my HR  company. 
At this time my HR  company is unable to help me because the money was received by CHASE, and CHASE is refusing to assist me. I need this money to stay afloat and pay for my rent and lively hood. This is causing me great distress. Thank you advance for your assistance on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TX

Complaint narrative:
The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX XXXX.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.

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 2020-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: VW Credit
State: SC

Complaint narrative:
I purchased a car from XXXX  XXXX in XXXX, NC on Saturday XXXX XX/XX/2020. I bought a new 2020 XXXX XXXX which was part of their promotional deal " 2020 XXXX models are available with financing as low as 0 % APR for 72 months and 180 day deferment on first month 's payment*. For highly qualified customers who finance through Volkswagen  Credit. *Offer available for highly qualified customers on new, unused 2020 XXXX models financed by Volkswagen Credit through participating dealers only. Example : For 0 % APR, monthly payment for every {$1000.00} you finance for 72 months is {$13.00}. No down payment required. Other amounts may be due at signing. Not all customers will qualify for credit approval or advertised APR. Limited to two offers per household. May not be combined with certain other offers. Not available on lease offers.We will schedule your first payment exactly 180 days from the date of the contract. Dealer sets actual price. Excludes business customers. Offer ends XX/XX/2020. Offers not valid in XXXX XXXX. See your XXXX dealer for details or, for general product information, call XXXX. 2020 XXXX XXXX XXXX XXXX XXXX ''. Due to the CoronaVirus I opted to have the car delivered to my house. Upon reading the document I could verify that I was paying 0 % interest but could not see the 180 day deferment on the first month payment. 
Therefore, I texted the salesman and received writing confirmation that both condition was part of the deal and so I signed the contract. 

A few days later, I saw online that XXXX was expecting my first payment 45 days after the start of the contract. I contacted the dealership which told me there was nothing they could do as the contract was signed and closed. Also the finance manager said he was not aware I wanted the 180 day deferment and that it was a miscommunication. 

I have never received a copy of my contract with Flow XXXX and this contract is stated to have started on XX/XX/XXXX on the VWcredit website. However I signed it on the XXXX of XXXX. This was done in front of my house where I have a ring camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Business Factors
State: WA

Complaint narrative:
NATIONAL BUSINESS FACTOR submitted an account to all three credit bureaus this morning for collection. Original creditor was XXXX XXXX XXXX, I was a victim of a hit-and-run car accident by a drunk driver last spring. NATIONAL BUSINESS FACTOR said that because I was an out of state client they're not authorized to initiate communication via phone or mail prior to reporting the collection to my credit. When speaking with the supervisor she became hostile, cursing and raising her voice at me saying " WELL YOU KNOW XXXX XXXX WELL COVID19 ... BLAH BLAH BLAH '' ... I stopped listening after this. 

When I asked to speak with the director ( since she was the supervisor ) they just rerouted me to another rep, they also refused to delete the account if I wouldn't pay the interest - I feel that the lack of willingness to get my account settled was retaliation for being unwilling to accept the supervisor being verbally abusive. 

NATIONAL BUSINESS FACTOR SUPERVISOR : XXXX XXXX XXXX THAT CLOSED ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: LA

Complaint narrative:
In XX/XX/2019 I placed a complaint on Republic Finance website about them calling my job and I asked them not to call my job it was embarrassing. Someone called me back several days later I think his name was XXXX and he said no one would call my job again and I could do my business in the XXXX XXXX office instead of XXXX. Well in XXXX someone called my job and again on XX/XX/XXXX. They said they were calling to verify employment for garnishment. I was only one payment due not even 30 days. Then today XX/XX/XXXX someone called again from XXXX. My supervisor is the one who answered the phone which was completely embarrassing and I feel like it is a privacy violation because now everyone at my job knows I have a loan with them and is obviously past due. This is why I asked for them not to call my job the 1st time by phone and by the online complaint. I told the woman that called today that I have asked them several times not to call my job and she basically kept on and would not end the call, I had to hang up on her.

Company response to consumer: Closed with non-monetary relief