vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 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: LA

Complaint narrative:
I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!

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 2020-05-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This complaint is about 3 disputes, which the credit card company wrote to me about, but which the company can not tell me about when I call them. There are 2 parts to the complaint : 1. I do not know what these complaints are and I can not talk to the company about them because, when I call, they have no knowledge of them. 2. The company is wrongly applying consumer law to the transaction date. BACKGROUND : I am an American Express XXXX ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. Each letter says my claim did not fall within the 60-day period so the claim is being denied. I believe these disputes may relate to 3 charges from airlines - but I have no way of telling for sure, because the card company can not find them. If the letters do refer to 3 airline charges, these were airline charges for future travel which has now been canceled by the airline, not by me. Thus the charges were for services not received and which will not be received and should be refunded. The card company is wrongly applying consumer law. The date of the transaction is the date of travel - not the date the advance charge for services appeared on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17 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: TX

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. Please delete and block the accounts listed for XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, my BMO Harris bank checking account has been closed on XX/XX/XXXX. I had a negitive balance of {$170.00} that i new of and had the money short after they closed the account. During this coronavirus pandemic crisis they still closed my account without any warning or calls besides one email that said the account will be closed because of insufficient funds. And not allowing me time to pay them during this crises. I called the main corporate office and they just told me all i have to do is go to the branch give them what i owe and they would reopen the account as soon as i make it current from the drive through. Well i tried to make the deposit and the teller at the branch told me i couldnt and it is not that easy, telling me it will take up to 7 weeks because it is alot more complicated than that. I feel during this pandemic they should have made sure the bank account wasnt ever closed because i have to have it open now.

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 2020-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
A new debt has been reported on my credit report that does not belong to me by a company named Commonwealth Financial Systems. The amount of the debt is {$1200.00} for a debt owed to XXXX XXXX. This is not my debt. I incurred these expenses in XXXX due to an emergency room visit for a worker 's compensation claim. This debt is the responsibility of my prior employer XXXX XXXX of Texas. I had health insurance at this time that would have covered the expense had it not been a worker 's comp claim. My health insurance was not taken by the hospital for this reason. This debt was previously owned by a different 3rd party collection agency, XXXX XXXX who also reported this debt on my credit. I submitted a claim to CFPB in XX/XX/XXXX and XXXX XXXX removed the debt from my credit report and closed the account however it appears the debt has now been sold to a new company who is reporting the debt again. I am not responsible for this debt and it should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/20 : CITIFINANCIAL BANK IS REPORTING EXTREMELY OUTDATED CREDIT & PAYMENT STATUS ( AS OF XX/XX/20 ) IN XXXX 'S SITE. WHY??? 

CITIFINANCIAL IS THE ONLY CREDIT CARD ACCOUNT THAT IS GROSSLY REPORTING INACCURATE & OUTDATED DATA.. WHY???

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AXOS FINANCIAL, INC.
State: NV

Complaint narrative:
On XX/XX/20 HR Block refused to close my Emerald Card ending in XXXX, & dispute # XXXX in a fraudulent attempt to charge inactivity fees. Emerald card sent confirmation email based on dispute closure they refused to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion is not updating there credit reports in the established manner

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 2020-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this.

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 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed a public record item showing on my credit report several times I have notified Experian that the item they are reporting as a bankruptcy was a result of Id theft and is not mine however they refuse to remove the item first they stated they received the information from XXXX out you courts do I went to the courts who stated they didnt provide anything to Experian then e XXXX says they hit information from XXXX XXXX however I have provided proof from XXXX XXXX that the public record item Experian reports was in fact not verified from them as my files were suppressed due to the court order showing the courts allowed a legal name change due to fraud of previous name Experian failed to do a proper disputation investigation and simply just deregarded my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I paid a fake company money without knowing I canceled immediately cash app told me they refunded me I dont have the money that was debited from my debit card {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I filed for unemployment on XX/XX/2020. At that time I chose to receive a debit card for my disbursements. I never received the way to go card in the mail. When I called the XXXX to check my account, it says I have a positive balance of XXXX. Since I had not received the card in the mail, I changed my disbursements to direct deposit. I now receive my weekly allotments in my checking account. However that XXXX is still in my XXXX account. I have tried to contact WAY to GO numerous times to notify them that I never got a card, however the automated system will not allow me to get past inputting a pin number. I do not have a pin because I never received a card. You must have a card to create a pin. There is no number option for my particular dilemma, and I have been unable to speak with a live person. The XXXX says they can not transfer the funds to my checking because they have already been issued to a card. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, the XXXX account XXXX texted me saying how she's a representative for Cashapp and if I send her {$100.00}, she would send {$1000.00} back. Long story short, she kept my money and refuse to give anything back. I cashapp account she had ne send the money to was XXXX XXXX. I really just want my money back and for her to be caught for those lies. Anything you guys can do to help would be great. I also have the screenshots of the conversation, if that will help.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: MA

Complaint narrative:
Today, XX/XX/XXXX, I tried to unfreeze my credit report on Experian because I was trying to get a pre-approval for a mortgage. So I went to Experians website to do so, however, the webpage was not working. I then called them and went through their automated prompts to have the security freeze removed. After completing the information correctly, I was told to mail in a variety of documents in order to have the freeze lifted. It shouldnt be this hard to have a freeze lifted. 

I have no interactions with this company beyond placing and removing security freezes on my credit file, and that only happens because of the XXXX  security breach That occurred. They have charged me repeatedly for placing and removing security freezes after that breach, and now I have to mail in paper work and IDs and social security numbers to them. Something should be done about this company. It continually makes things difficult for consumers to steer people into their pain credit lock feature.

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 2020-05-17 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: CA

Complaint narrative:
My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act. therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with Transunion, XXXX, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.

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 2020-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i have tried to open a BANK OF AMERICA checking account but ive been told that supposedly ive had an account but it was closed which i dont recall doing.thats ridiculous because if i had opened an BOA checking account i would of had a debit card or knew something about it.maybe it was fraudulently opened

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
CAPITAL ONE:XXXX - Fraud accounts

Company response to consumer: Closed with explanation