vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: NV

Complaint narrative:
My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.

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 2020-11-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2020-11-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.

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 2020-11-24 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: NV

Complaint narrative:
My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NV

Complaint narrative:
Someone got a car in my name from the SAME company I have a car with now. I found out they opened this account before I got my car so I 1st of all don't understand how I was even able to open an account when the person who stole my identity was already in default in the car they had in my name with the SAME company. Also after having this company send me the contract and paperwork it isn't even MY social the person used. They used my address, date of birth, and name but a TOTALLY different social. HOW is that even possible? I filed a police report and an identity theft report and disputed it with all 3 bureaus. XXXX and XXXX deleted it IMMEDIATELY so they CLEARLY did their research and seen it isn't even under MY SOCIAL. Equifax deleted it as well and then a month later ADDED IT BACK which makes NO SENSE to me and has me LIVID. I have 3 auto loans on my credit report that are all in GOOD standing and never been late. This is not even something that I would do and should not be held liable for something someone put in my name and a different social. It obviously wasn't me if the social is incorrect and it should be the company 's fault for even opening an account in my name but a different social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I don't even know where to begin with how upsetting this current situation. Not only have they been effect in dropping my credit score, they have also proven that even after 5 years of loyalty and never missing a payment they could care less. For those looking to join Capital One, don't waste your time communicating with the lower level staff. I have recored conversations of over 6 different employees who do not even know how to calculate the bill cycle date. So if you need any clarity regarding you account good luck, because they managers do not no either. They only reason we were able to determine the correct way to calculate the new dates, was by looking at my past credit statement. Im sure your thinking what do does that do me right. But wait it gets better. If your looking for transparency your in the wrong place. With my knew experience I get this over whelming feeling that they are intentionally trying to target you. I prove that point my simply pointing out their app.The only thing the app is good for mining your data and providing useless information. Case and point why provide only the statement date that's past an don't the current one?! They only provide information regarding your due dates and if you are familiar with trying to improve your financial worthiness you would know that your STATEMENT-DATEs are the most important dates to look out for. So with that being said, Capital One is only trying to manipulate a certain level of economy status. Why else change formatting of statement dates from concert to floating dates, and leaving the method of communicating these new terms through a 5 sentence paragraph that can easily be misinterpreted based on your perception of how and when to count from the due date.!!! These people are con artist. If I leave you with one thing I would say READ YOUR STATEMENTS AND IF YOU SEE SOMETHING FUNNY. CALL ASK FOR A MANAGER, RECORD THE CONVERSATION AND GET READY FOR THEM TOO DO NOTHING. They can mislead you and leave you with a sorry. If you miss anything on them they can charge XXXX $ and report you to the credit. Everyone is screaming about taxes in politics but no one is taking about regulating and saving us from these corrupt cooperate giants. I DARE ALL OF YOU IF YOU HAVE A CAPITAL ONE CARD TO CALL THEIR SERVICE RECORD YOUR CONVERSATION AND POST THE AMOUNT OF TEIR EMPLOYEES THAT DO NOT EVEN KNOW HOW TO CALCULATE OR ARTICULATE HOW TO DETERMINE THE CYCLE END DATE. I have 6. Lets see how high we can get!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 I submitted CFPB Complaint ID XXXX regarding the hold placed on my Paypal funds. On XX/XX/2020 XXXX XXXX from Executive Escalations at Paypal responded saying " We will make any remaining funds, less reversals, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. '' That date has now passed and I am unable to withdraw my funds, and no email has been sent to me indicating they are available for withdrawal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3400.00}, {$1600.00}, {$5500.00}, {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account.

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 2020-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WestGen Lending, a DBA of Beckam Funding
State: CA

Complaint narrative:
I am writing this to express how frustrated we are over this situation I cant get answers when will I get funded!! The bank Westgen Lending are very unprofessional and been giving me the run around for one month to close and nothing has happen yet! They keep ignoring my calls and fail to contact me! My family and my self are very disappointed & annoyed with this situation. When I picture buying my first home all I thought it would bring happiness and joy!!! especially during this time of holidays!!! Instead were getting the opposite!! a bad experience! Stress and and unprofessionalism!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NV

Complaint narrative:
I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.

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 2020-11-24 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: SC

Complaint narrative:
I have been a member of Experian, for years now. I have disputed the same falsely derogatory marks on the report. The one largely impacting my report, which is a utility company, who was purchased by another company, reporting a settled debt, along with they are reporting the same amount as if it is two separate companies. They're reporting dates, long after my account had been settled with them. It has taken a long time, to gather the documents to back my claim. The disputes are " completed '', normally within a couple hours. AFTER business hours, without any verifying evidence to their findings. I'm unable to get approved for a home loan, that otherwise I would. It's life altering, and causing myself and my family, undeserved grief.

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 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.

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 2020-11-24 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: NV

Complaint narrative:
I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX on behalf of Gordon, Aylworth, & Tami PC. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX  XXXX card in XXXX. I'm told that I was sued by XXXX  XXXX and I live in XXXX  now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Consumer was alerted to unauthorized Inquiry ( s ) by XXXX who assured consumer absolutely no accounts opened / credit extended ; XXXX Incident # XXXX processed by XXXX XXXX female ) at ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX : A ). XXXX falsely reported unowed debt to consumers spotless credit reports ; and, B XXXX. XXXX refuses to issue correction to credit bureaus after receiving notification of their errors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I had paid off loan successfully for the full loan amount. 
In my credit report it states that Santander USA reported that the amount was charged off and was paid for less then remaining balance. 
Also my payments were 70 % on time or early in my report it states only 30 % was on time payments. 
Santander USA was sued by 34 attorney generals for violating consumer protection laws and had to pay {$550.00} XXXX dollars resulting from the law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$18000.00} -This is not my account.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
So on XXXX XXXX of XXXX XXXX the apartment complex I was staying at sent what they said I owed to them to a collection agency. At the time being young and not knowing how this would affect my credit score I wasn't even notified that I could dispute these unnecessary charges against me so I did nothing because I didn't have the funds to pay for it. They added an extra XXXX XXXX dollars on top of my rent without even speaking to me. This was based off of a complaint from a neighbor who lived upstairs from me. The neighbor reported to the office that I had a pet that I did not have. That alone still makes the balance at a little over {$1200.00}. They never explained what the extra {$620.00} added on top of my rent was for. The only thing I could think of was that I left some things behind. They had no right to charge me that much. Plus they still had my deposit.

Company response to consumer: Closed with explanation