vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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:
For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} DEPT OF ED/XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$670.00} XXXX XXXXXXXX {$290.00} XXXX XXXX {$550.00} XXXXXXXX XXXX   XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX  XXXX {$3500.00} DEP ED/XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$9100.00} DPT EDXXXX XXXX {$22000.00} XXXX   XXXX {$670.00} XXXX   XXXX {$6400.00} XXXX   XXXX {$4000.00} XXXX   XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX   XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$720000.00} XXXX XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$610.00} XXXX XXXX {$560.00}

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 2020-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Fraudulent transaction made via joint Bank of America checking account that I share with my XXXX year old mother. Basically, they hacked our on-line account and sent {$3000.00} total in fraudulent XXXX transfers to two individuals I do not know. I reported the incident immediately but after investigation, the bank refused to refund the unauthorized and fraudulent transfer of money after the account was hacked. The actual date of the illegal activity was XX/XX/2020. Two transactions were made of {$2500.00} and {$500.00} for a total of {$3000.00}. A third transaction was in progress when the account was shutdown. According to the bank online security, it did not complete. I immediately froze the account and went to the bank a few days later to open a new account. They informed me that the money would be refunded after the investigation was completed. Apparently, someone walked into a XXXX store in XXXX XXXX, NY ( I live in Florida ) and were able to change my security information without my knowledge or consent. They were able to hack my XXXX information, change the type of phone I own and MEID code of the phone and then proceeded to change my online information for BOFA and hack my on-line account to make the illegal transfers. Since BOFA uses your personal phone to send the security code when logging on, once the cell information was transferred to another phone not owned by me, it was easy to make the transfers.

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 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2020I received no notice from my bank USAA that close my account with no warning and close my account in 60 days. They cut off all assess to my account where I could not get any my money out my account. Which was XXXX then went to XXXX in my account. I ask for supervisor ib regards to why my account was closing and they said was because suspicious activity with disputes. I said that was nothing suspicious. when in order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
THIS HAS HAPPENED TWICE BEFORE!!!!! 

Monday XX/XX/2020 I called Fedloan Servicing at XXXX with a very simple question. After waiting 7 minutes I was answered by XXXX, employee ID # XXXX. She couldn't help me with question and transfered me to loan adviser. The hold time was expected to be 20 minutes. I was on hold for 1 hour 13 minutes 53 seconds. No one answered phone in that time and my line was DISCONNECTED! I called again, waited 15 more minutes and was answered by XXXX, employee ID # XXXX. I told her what happened and requested to speak with a supervisor. I waited for another 10 minutes just to be told there is a long wait time to speak with supervisor because SO MANY OTHER PEOPLE HAVE COMPLAINTS AS WELL!

As stated above, this is not the first time I have had the hardest time trying to speak with a loan advisor or supervisor. I submitted 2 INCOME DRIVEN REPAYMENT PLANS last year that WERE NEVER PROCESSED and I was placed back on forebearance which dramatically INCREASED INTREST RATES!!!! I now have nearly {$2000.00} in intrest alone! It is IMPOSSIBLE TO GET MYSELF OUT OF DEBT WITH THE BEST INTENTIONS AND WILLINGNESS TO DO SO. This company is a shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All Agencies have ignored my request to remove unauthorized information.

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 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
This company took my financial info and used it against me during a time of identity theft. I made them aware that this debt is not valid. They have shown not proof or validation of the debt. I want this garbage removed and deleted immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have an account with American Honda Finance account # XXXX opened in XX/XX/2019, I never received my statement for the first month payment. I never got any phone calls to let me know that I missed a payment as well. When they finally called to let me know I made the immediate payment and have made all my payments on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 i recieved my first paycheck from my employer, a temporary staffing agency named XXXX, via the comdata paycard they gave me. I was a new employee. Advised by XXXX that I would need to fill out a new application etc. I had not been affiliated with them in many years. On my pay day I noticed that Comdata took {$8.00} from my wages. Per Comdata 's agents this money was taken from me because of a past due 6 years old debt that i didn't know existed that originated in XXXX. I am now in XXXX. Comdata had not notified me of any debt to my knowlege. I contacted comdata and the nightmare began. i spoke with several different agents to only be hung up on continously by XXXX agents while i was still speaking and one agent in particular, a supervisor by the name of XXXX, taunted me continuously by saying i should " Sue Comdata '', implying that would be the only way to have my stolen funds refunded. I was also given conflicting information about the alleged debt. On XX/XX/2020 I spoke with XXXX, an agent from Executive Support, who was immediately hostile, angry and rude with me. XXXX inferred i was lying and said that phone records show i was told the money would not be refunded. However i was never told the money would not be refunded during my calls and in fact, an agent from Support named 'XXXX  ' stated a request had been made to the backoffice to refund the {$8.00}. After being accused of lying by Executive Response agent XXXX and after i had asked to be escalated higher and rebuffed by XXXX and told there was no one i could speak to higher than her - i requested to be given the name and address of Comdata 's registered agent - which by State law they are required to give - and XXXX did not provide this. Comdata has been deceptive in its dealings with me by lying in wait, for 6 years, to collect a debt i had no knowlege of in XX/XX/2020, without any notice and this violates Section 5 of the FTC, as well as numerous consumer protection laws through the state and Federal Government. I had a right to be notified of this debt before my finds seized and I had a right to contest the debt. XXXX lied in wait for me for years and seized my paycheck when the opportunity arose. Completely blindsiding me.

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 2020-02-03 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: FL

Complaint narrative:
All Agencies have ignored my request to remove unauthorized information.

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 2020-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All Agencies have ignored my request to remove unauthorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All the inquires listed are unauthorized. I demand the authorization and proof of inquiry.

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 2020-02-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I called equifax to find out my score from them. They requested I send in documents to verify my identity. I did so and received a notice today that they have no records or any type of credit information from me when I have a large amount of credit usage. The other two companies have records for me. Every time I try and contact them to resolve the issue they will not talk to me until I verify my identity which I have already done, and in the beginning part of the verification process to even speak with an agent a strange cell phone number is listed that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: NC

Complaint narrative:
All the inquires listed are unauthorized. I demand the authorization and proof of inquiry.

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 2020-02-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
All the inquires listed are unauthorized. I demand the authorization and proof of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
This company illegally bought an account that was attached to my name during a time of identity theft. The also illegally furnished my credit report with false information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX - Account XXXX XXXX Creditor : DEPT OF EDUCATION/XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : 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 explanation
Consumer complaint received 2020-02-03 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: TX

Complaint narrative:
Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.

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 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have National Credit Adjusters, immediately I contacted National Credit Adjusters to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real.

National Credit Adjuster refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GreenSky, LLC
State: TX

Complaint narrative:
Home Depot project loan card says permanent card will arrive between 3-5 business days. When I started to call the customer service number for a tracking number or any updates after the 6th business day ( XX/XX/XXXX ) I was told there was no way to track. I called every day to try to see if I should be worried the new card was so late. They said 10-15 business days was normal now. Finally 2 and a half weeks later ( XX/XX/XXXX ) I was given a tracking number that said the card was returned and signed by someone at their offices on XX/XX/XXXX. They said in the meantime while they print a new card I can use my temporary shopping card printed in store. When I went to the store, the printed copy was unable to be used as the new bar code was not there. Consistently, the credit serving company lied to me on the phone about not being able to track the card, shipping times, and daily temporary card limits and usage. This has been the most frustrating process and I feel completely abused by this company. My renovation is behind and I missed sales on products and even the availability of products. I would not recommend this project loan to my worst enemy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: CA

Complaint narrative:
I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( Acc no : XXXX ) and XXXX XXXX ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted fraudulent accounts without notifying me.

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 2020-02-03 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: CT

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : DEPT OF EDUCATION/XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX - Account : 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 explanation