vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX i would like a new credit report as soon as possible.

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 2020-05-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am the account owner and have had American Express for over 5 years now with no late payments whatsoever. I have had an authorized user, XXXX XXXX for over 3 years who also has used the card and made on time payments. 

Starting XX/XX/2020, my authorized user XXXX started noticing their card declining for simple purchases at XXXX XXXX or big ones from XXXX. 

I contacted customer service early XXXX, I was told XXXX ' authorized account might be under review, I contacted the number XXXX and customer care said there's no such thing on our account and everything looks great! 

However his card is still declining and there's conflict of info as some say our " balance '' is too high ( currently only {$2500.00} when we spend over {$6000.00} a month!! ), some say its an account review issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unauthorized Credit Inquiry I received a copy of my credit report today and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD  BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I opened a checking account with Wells Fargo in person at a branch in XXXX, NM on XX/XX/2020. I changed my direct deposit at work to go to this new account. My first direct deposit of {$1300.00} was posted to the account on XX/XX/2020, however an error that my company 's human resources department made while changing my direct deposit information resulted in my payroll being sent to my account, with someone else 's name attached to it. The name reflected on my paystub was also incorrect. I addressed this with my company, and they assured me that it would be corrected on my next direct deposit. On Saturday, XX/XX/2020, at approximately XXXX MST I received a phone call from Wells Fargo Prevention Center demanding that I send them a copy of my social security card, a copy of my phone bill as proof of my phone number, and wanting an explanation for why the direct deposit had arrived in my account with someone else 's name. I told the representative what happened with my paycheck, and she stated I needed to send my social security card and phone bill via fax. I advised her that I don't have access to a fax machine, but could email the documents. She stated they don't receive external email, and that I could take the documents in to a branch and have them faxed. I told her that it was XXXX on a Saturday, and the local branches would not be open until Monday and still require an appointment to come into the lobby. She stated that I could send the documents Monday ( XX/XX/20 ). I asked to clarify that my accounts would not be shut down in the mean time, and she stated that they would not and that I could continue using my debit card. Today, XX/XX/2020, I received two emails stating that both my checking and savings accounts were being closed. This has caused me significant inconvenience, and Wells Fargo still has {$300.00} of my money in my savings account which I now can not access. I have just recently fought tooth and nail to get out of a XXXX  XXXX situation. Getting this account was one of my first moves to be free from my abuser. All the information I supplied when I opened the account was truthful. I even brought my birth certificate, drivers license, and social security card with me when I opened the account but the person in the branch said they didn't need them. My cell phone account is new, and the first one I've had in my name, because of the situation I was in before. More than anything, this felt like a slap in the face. I'm very glad I chose to divide my direct deposit between two different banks. My fear was that my abuser would gain access to my new accounts, and by opening accounts at two different banks I would at least have half of my check if he got into one account. It turns out, Wells Fargo themselves are even worse.

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 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: NV

Complaint narrative:
XX/XX/XXXX, an amount of {$330.00} appeared as a collection on my credit report. When I looked into it, it originated from XXXX  XXXX XXXX. I had moved out of the XXXX XXXX the previous year, XX/XX/XXXX. I had paid the pro-rated rent for that month plus my security deposit and left with a {$0.00} balance, according to their own records. 

Neither XXXX XXXX nor the Collection Service of Nevada sent any written communication to me prior to putting this amount on my credit. 

I did have an email and telephone communication with a representative of XXXX XXXX in XXXX and XXXX of XXXX, which I believed resolved the matter as again I was provided with a {$0.00} balance invoice. 

In fact, looking at the invoice and accounting for the rent paid for XXXX, it would seem XXXX XXXX owes me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: NC

Complaint narrative:
Innacurrate and fraudulent inquiry on credit report from XXXX/XXXX. Transunion refused to move even the information is innacurrate and the company sent letter to them to remove.

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
As the attached screen shots from the Bank of America website show, I scheduled the mortgage payments in late XX/XX/2020 for XXXX XX/XX/2020 and have sufficient funds in the checking account for those payments. 

However, as of XXXX XX/XX/2020 BoA has not properly credited the payments. In my opinion, this is simply part of BoA 's consistent policy to provide poor service and then assess 'fees ' so they can steal, in my opinion, money from the customers. 

I would NEVER willingly do business with BoA ; BoA bought these mortgages and I have NO RECOURSE other than expensive refinancing to get rid of them. 

I've paid mortgages on my homes and rentals for over 40 years and the trouble I've had with BoA in the few years they've 'serviced ' these mortgages is greater than all the problems in the past 40 years. 

In my opinion, many of the senior people should be thrown in jail.

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 2020-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Lincoln Educational Services Corporation
State: CT

Complaint narrative:
I took out a private loan through XXXX. Since I graduated they have been calling me nonstop ; I graduated 3 mths late but they have me under the previous graduation date so I had to start paying as soon as I graduated. I called and asked for deferment and was told ok only to be called continuously. When I called to ask why Im still receiving calls and negative marks against my credit score they said they dont offer deferment and I need to pay immediately and told me Im 3 mths behind. I have been making payments as much as possible but they still continue to call me nonstop. They have started to call me at work and I asked them to please stop. Even with the pandemic they are still demanding payment in full. Anyone I try to speak to to get lesser payments or to explain why I am 30 days behind come off extremely condescending and rude. the person called mrs. XXXX continues to call me multiple times a day every day. I have requested to receive another case worker because this woman is so rude but they refuse to swap me to anyone else. when I ask for a supervisor the person that responds is just as rude trying to talk over me when I explain the situation. Im currently caught up on payments and they still continue to call and harass me. Theyre claiming that I will be sued by a lawyer for the amount of the loan in full. I continue to make the mthly payments but now theyre have put my credit as behind and are not showing that I am paying even when the balance continues to reflect that payments are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I received a letter from I.C. System Inc. last month that displayed a balance of {$180.00}, I sent a cease and desist letter advising that I wanted to communicate with the original creditor in which is XXXX. I noticed today that this account has been placed on my credit reports. In doing further research about this company I.C. System Inc. that purchased this account from XXXX, they currently don't hold a Collection Agency License, their license was surrendered on XX/XX/2010. I am demanding for this account to be removed from my credit reports immediately. They have violated the NC law that requires entities who engage in the collection agency business and or solicit debt must hold a Collection Agency License.

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: WV

Complaint narrative:
I XXXX XXXX XXXX am a current victim of identity theft which has been reported to the FTC since XXXX of 2019 i have had over half of my direct deposit from my government benefits come up missing off my card i receive SSI, I have taken all the steps to attempt to fix this with the company but they deny my disputes everything just this month I had almost XXXX gone I call to dispute it and they didn't do it told me I had to wait 5 days and with this XXXX I'm at XXXX thats been stolen from me. 
I have been informed by direct express that my card number was compromised and printed onto another card so thats how it was being used at a atm but now they are saying that's not possible and all I want is the money thats rightfully mine i mean due to the identity theft i can't even open another bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On XXXX I received a debt collection letter from Halsted Financial Services , LLC ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as XXXX XXXX ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with XXXX XXXX ( a PayDay franchise ). Someone used my identity to borrow this amount from XXXX XXXX sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from XXXX XXXX, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of XXXX XXXX  XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to Halsted Financial Services directly, but I know the XXXX has and was advised to take it up with XXXX XXXX. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with XXXX XXXX. I believe XXXX XXXX is complicit in many other such fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, Transunion charged me for a credit reporting service I did not sign up for with no way of canceling online. The amount is {$24.00} per month with no useful services delivered. We have no way of canceling this charge from their website and the subscription status can not be changed at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I tried to enroll in school explained that I wanted to make sure I was getting my financial aid before I started the academic advisor signed me up for classes before it was finalized I didnt get funded now I owe a bill this was unethical and I dont want this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
For some reason, when I purchased my XXXX  XXXX XXXX, I did not realize that I would be paying almost {$50000.00} for it with all the interest charges and such. This is ridiculous! I have already paid almost {$34000.00} for this vehicle and still owe a remaining balance of {$15000.00}. Loan Companies such as Exeter is why individuals with low income stay poverty stricken. A family member actually noticed the amounts in which I already have paid and felt that I had fell victim to a predatory lender and advised me to reach out to someone before filing for bankruptcy. I currently have XXXX children in my home and am retired military and work a part time job 2 days a week, so paying $ 700+ a month is really a struggle for me. I really need someone to take a look at my situation. Thank so much in advance ...

Company response to consumer: Closed with explanation