vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: VA

Complaint narrative:
I have repeatedly attempted to dispute items with Experian that do not belong to me : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.

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 2020-04-24 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}

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 2020-04-24 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$1300.00}

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 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I wanted to report a fraudulent international transaction that was done using my XXXX account. 

Parties involved here : XXXX  ( an international money transfer service ) My bank : Fifth Third Bank. 

Today morning, at around XXXX CDT  I noticed a transaction of {$2000.00} that was done. 
Recipient was an Individual in XXXX holding a bank account with XXXX bank. 

Please note : this transaction was not done by me. 

Action taken from my side : 1. Contacted XXXX and informed them about this transaction. 
2. Emailed my bank about this transaction. 
3. Filed a report at identitytheft.gov Action taken by XXXX : 1. Deleted my payment method ( debit card ) 2. Cancelled another fraudulent transaction. 
3. Suspended my account. 

Action taken by my bank : As of writing this complaint, I don't know what action has been taken. 

Action taken by me : I did call my banks customer service and they provided me with another phone number which belongs to fraud/disputes department. 
I called fraud/disputes department of my bank but no response. My call was placed on hold for a long time. 
I have sent an email to my bank along with the dispute letter provided by identitytheft.gov Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northtown Capital Services Group LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a phone call from a debt collector who Identified herself but not her company via voicemail. I returned the phone call and after stating I was the party that they were looking for the female who answered proceeded to tell me this was about a debt and asked why I stopped paying the debt. She did not identify who she was with or the name of the company that originally owned the debt until I asked about it. While this was not a violation of FDCPA, she did fail to give notice that is is an attempt to collect a debt and any information obtained will be used for that purpose. 

The primary reason for the complain is a violation of FDCPA section 809 subsection a ) notice of debt ; contents. 
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- " It has been 8 days since the initial communication and the collector has not sent notification. This is a clear violation of the FDCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Fraudulent, Inaccurate Unverified accounts are reporting on my credit 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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, I was expecting to receive a check from Citi Bank late last year regarding to the reimbursement of car insurance. Not only I did not receive my check, but also told by Citi Bank that the missing check was instead cashed by one of the XXXX XXXX  Branch. I have confirmed with Citi Bank that the only payee on the check is me so that the check is cashed unauthorized. 

I have been contacting Citi Bank since the incident was aware, however, they report that they can only provide me up to the information of cash date, XXXX XXXX  branch, and the check number and refuse to escalate this issue to their Treasury Department for further handling. 
I have also contact XXXX XXXX  about this issue since I am also an account holder of XXXX XXXX, but they only reply that this issue can only be handled by Citi Bank and also refuse for further handling. 

I have information including the Citi Bank Claim Number ( also their reference number of the case ), check number, Branch information where the missing check is cashed, cash date, and check amount upon your further request. 

your help is sincerely appreciated

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 2020-04-24 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: I.Q. DATA INTERNATIONAL, INC.
State: SC

Complaint narrative:
In XXXX of XXXX I checked my credit report and sent a Validation letter to IQ Data International debt collection agency. I also sent to each credit reporting bureau ( XXXX, XXXX, and XXXX  ) a dispute. IQ Data International sent me in XX/XX/XXXX a copy of lease from XXXX at XXXX XXXX, as their proof of validation. However XXXX at XXXX XXXX  no longer exists. In fact they were sold as of XX/XX/XXXX under document number # XXXX with the California  XXXX County Assesors office. XXXX  XXXX is no longer than owner. IQ Data International debt   collection is reporting that I owe XXXX  XXXX, when in fact I have never had a contract nor lease with XXXX  XXXX  nor owners. Once XXXX XXXX sold the building and XXXX at XXXX stopped existing, all contracts with said owners were void. Unless a new lease with new owner was to be signed. I did not sign a new lease with XXXX  XXXX, nor did I request or agree to be grandfathered into a contract. XXXX   XXXX  has no records of me. I have never had a contract with signature with this company. IQ International Data never gave proper validation to report XXXX XXXX  on my credit report. The lease was with XXXX at XXXX owned and that business was sold and closed, therefore any debt owed to that closed and sold company is void. IQ Data International is illegally reporting on my credit reports for a company that they did not properly validate and after producing improper forms, they have still not taken the report down after 2 full years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX   XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED 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 2020-04-24 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX   XXXX XXXX {$0.00} XXXX   XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED 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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: WA

Complaint narrative:
Due to the Coronavirus, I have not been able to stay on top of all my bills. I make sure that my mortgage and utilities are paid, that is a given. But for a company called One-Main Financial has been harassing me on my debt which I have been paying at a very high interest. I agreed to pay 70 % of the payment last month and then this month they wanted the whole thing, which I was unable to do. I gave them again 70 % of the payment and they will not quit calling me to question on why I am not paying. What I get is " You said you would pay the full amount on the XXXX of this month, last month '' I said yes, until the virus caused a shut down on everyone and now we are all unemployed '' She went on to say " You said you would pay on the XXXX!!! '' I told her that I couldn't and would try on the XXXX. I also told her how rude she was being and I was tired of her calling and harassing me during this time. Today is the XXXX and I did not have enough for the full payment of {$540.00}. But I paid {$270.00} again. They are now blowing up my phone again. I am at least making an attempt and since they are not making their interest that is 25 % I assume this is why they are freaking out and harassing me. 

What rights do we have at this time during this epidemic? I live in Washington State. Not sure if laws are different regarding creditors collecting per state. I would have this conversation with One-main myself, but the female I seem to always gets is extremely rude and speaks to me as if trying to intimidate and or try and scare me to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
I still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items 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 2020-04-24 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I refinanced our home with another lender. On XXXX the mortgage was payed off in full. On XX/XX/2020 I was charged a private mortgage insurance payment. After the full balance was paid I was charged Two more P.M.I. payments on XX/XX/2020 on a XXXX  balance loan. I contacted the mortgage company Wells Fargo to complain about being charged for the P.M.I on a XXXX  balance loan. See the attached response. Wells Fargo representatives told me that payments to P.M.I are made in rears. So I owed them the money. Now they are saying that because my mortgage was paid off on the first day of the month I owe for the whole month on a mortgage that has a XXXX  balance and would not require insurance. See attached letter from Wells Fargo.

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 2020-04-24 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: TX

Complaint narrative:
Fraudulent, Inaccurate Unverified accounts are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Fraudulent, Inaccurate Unverified accounts are reporting on my credit 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 2020-04-24 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: TX

Complaint narrative:
I still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them 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 2020-04-24 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: TX

Complaint narrative:
I still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them 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 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Complaint Division Of Consumer Finance, I made a purchase of XXXX on XXXX XXXX. I called Capital One on Wednesday XX/XX/1920 to pay full payment ( XXXX ) for this item. During this conversation I was informed the minimum due of XXXX would apply to this account and the balance ( XXXX ) would be applied to the cash advance statement. He mentioned I had an outstanding unpaid XXXX cash advance balance. I was shocked because I pay my bill on time every month. I was not aware the monthly statement does not clearly show two separate payments are due. My account summary clearly state 0.00 for cash advances. I was informed payment is only made to the cash advance bill if I paid more than the minimum amount due on the bill for purchases. After being informed of this I asked the rep for a detail list of all cash advances ( laid off twice  ) since payment has never been made for years, knowing it resulted in enormous us fees and charges.I was not able to obtain a complete list. I have paid XXXX to XXXX over the minimum amount due yet it was never reflected on my statement. The extra amount paid last month does not reflect on the current statement.During my conversations with Capital One staff not one has ever mentioned the cas advance bill nor did they mention the extra amount was going to be apply to cash advances. It was never brought to my attention by phone, email or by mail of non payment for cash advance bill. This amount has double. Im happy I did not pay the XXXX by mail or online because only XXXX would have been applied and not the entire amount. I appreciated your assistance with resolving this matter. 

Thank you and eagerly await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: GA

Complaint narrative:
The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.

Company response to consumer: Closed with explanation