vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 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: CA

Complaint narrative:
I have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

XXXX  XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 TransUnion XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX  XXXX XX/XX/2019

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 2019-11-21 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: CA

Complaint narrative:
I have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

XXXX  XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 Equifax XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AA Recovery Solutions, Inc.
State: CA

Complaint narrative:
XXXX with AA Recovery Solutions called my cell phone asking for my husband. He represented himself as he was an employer looking for a reference for my brother in law. This was absolutely a lie as it is clear that he is trying to obtain skip tracing info on my Brother in law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had student loans with XXXX XXXX XXXX XXXX XXXX. 3 of them. I was part of the group that had them removed from my credit report because of the investigation now XXXX has sent me letters claiming I owe them money for these loans even though they should not be claiming I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-11-21 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: KS

Complaint narrative:
Equifax did not do a proper investigation about the removal of credit inquiries in accordance with the FCRA. I submitted my dispute two days ago and they sent me the results today. Nothing was corrected. There is no way they followed proper procedures because I tried to call a few of the companies listed and they are no longer in business! How could they verify the validity of the inquiry with no company in existence? I know that I never did or attempted to do business with the companies I disputed! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Care Credit  has been inadvertently charging me a security fee. I thought maybe I signed up and didnt realize, but I have family and friends who say they didnt sign up for it either. When I asked for a refund on the hundreds of dollars paid in since XX/XX/2018, they said some deadline had passed and that I could only get the last payment of {$20.00} back. They cancelled any future purchase but I did not sign up for it in the first place!

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 2019-11-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-11-21 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: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ).

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XXXX, I successfully opened an American Express Bluebird prepaid account. In XX/XX/XXXX, I received, what I thought was suspicious email indicating that my Bluebird account would be closed. I immediately contacted customer service to verify the authenticity of the email and was told that the email was fraudulent and that I should disregard it and not click on any links in the email. I deleted the email in accordance with the conversation with the American Express Bluebird representative. 

On XX/XX/XXXX, two whole years after the American Express Bluebird account was opened, and had been used multiple times throughout the years, I was advised that my account was being closed because compliance at American Express Bluebird allegedly could not verify certain information on my account. That's poppycock. 

The account has been opened for over two years and not once in those two years did anyone at American Express Bluebird ever notify me that there was an issue or problem with the account, or that information could not be verified. Now all the sudden there is a problem with the account information that allegedly could not be verified. 

It is apparent that the account is being closed for a discriminatory purpose on the account of my race, age, sex, national origin or other illegal discriminatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My student loan started as a Federal Student Loan, then on XX/XX/XXXX I made the great mistake of transferring the loan to Wells Fargo, my payments were {$180.00} / mo., while I was working I could afford the payments, but as of this year XXXX I have been struggling to make the payment, haven't worked since XX/XX/XXXX, I have contacted Wells Fargo many, many times, in XXXX XXXX they gave me a forebearance for 3 mos. after that I haven't been able to come up with payments, Im not working-although looking, I have requested Wells fargo to lower my payments but they declined, they say I make enough to make payments. My income is solely from social security, {$1300.00} / mo of that I pay {$900.00} / mo on rent. electric bill, ph, car insurance and cable, I'm left with {$200.00} for the month for food and gasoline. I have stated to W F that I could make a $ 10-20 payment - they wont accept that. The original loan amount was {$21000.00}, as of now it has only decreased to {$19000.00}, most of all my payments for the past 7 yrs have gone to interest not principal. Can you help me in any way? My name is XXXX XXXX, XXXX, W F loan # is XXXX. Thank You

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit  reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019, I closed my credit card account with Capital One. On or about XX/XX/2019, a repayment from a deposit for a rental property was transmitted back into the account. Capital One has failed to remit this {$300.00}, plus an additional {$140.00} in rewards cash from the account, to me. The company first asked me to submit a government issued photo ID along with my request ; in response, I sent a photo of my US government issued passport card. Capital One then stated that I needed to submit a photo of my driver 's license ( both front and back ), which I submitted on or about XX/XX/2019. To date, the money owed to me by Capital One has not been remitted to me, even after supplying 2 forms of government issued ID and after numerous phone calls. Capital One is holding onto a total of {$440.00} owed to me. There appears to be no legal basis for this action and there is nothing in the cardholder agreement that allows them to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21 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: GA

Complaint narrative:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX   XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX  XXXX XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I went to the branch in Minnesota because my daughter is going to college in that state. I reside in Hawaii and is needing a teen checking account so that my daughter has an account with Wells Fargo because her dad also banks there. The banker force us to opening another account with just my name on there without disclosing fees. I was informed that it would be a free account but later on found out that there's a monthly fee on the account and overdraft fee that they are refusing to be returned. I would like to have the fee refunded and close the account but I can't do that unless the fee is refunded. I would like to complaint because they illegally opened this account by forcing me into it and charge me fees.

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 2019-11-21 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
There are several accounts showing up on my consumer report that are showing negative information. The accounts are XXXX XXXX, XXXX XXXX  And XXXX XXXX XXXX XXXX. I have attached a new police report and notarized FTC Affidavit. Please remove this accounts and block them so that they don't reappear and submit another clean consumer report stating that those said items have been removed. 

Thank you, XXXX 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 2019-11-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to get in contact with Experian for the last month to gain insight as to why my credit score dropped by 17 points after I submitted a dispute to have 3 creditors removed from my credit. I spoke with someone on the phone at Experian and they stated that I would need to contact the creditors that I wanted to removed in order for this to be resolved. I contacted XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX stated that I would have to wait until XX/XX/2025 for the account to be removed. I spoke with XXXX and submitted a dispute and I spoke with XXXX and they also agreed to submit a dispute. I want to submit a complaint against Experian. I attempted to purchase a car today with XXXX XXXX and everything was going just fine until they see that Experian has reported that my car under XXXX XXXX XXXX  was repossessed. The car was totaled back in XXXX and the car dealer stated that in XXXX the car was repossessed. I paid off the rest of the balance with XXXX XXXX XXXX in XXXX and I'm at a XXXX balance. The car dealer said that the account is showing with Experian that it is a non charge off and that the car was repossessed. I have proof from Experian showing that the account has positive activity and that it was charged off and paid off. I have proof that my car was totaled in XXXX. I have been trying to speak with a manager for the last 3 weeks. An american manager because I can't understand their Costa rican managers. Experian isn't taking my situation seriously as no one looked into my credit the first time when I called to ask why was my credit score dropped by 17 points. No one. And now i find out that they are reporting that my car was repossessed. I will be happy to provide all the proof needed. Representatives from Experian have hung up on me and have transferred over to regular reps instead a manager as if they didn't want me to keep track of their names. I have proof of trying to contact Experian on XXXX and they still haven't responded. Please I'm trying to obtain a car for my family. We are in need of a car and have had our most recent car in XXXX totaled. I never thought that credit bureaus would be this neglectful and ill-informed to my credit. Please help review what is going on. Please help me get my credit on track and where it needs to be so that I'm able to purchase a vehicle. Please! I've been dealing with this issue for a month and I don't know where to turn. Thank you very much!

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Starting on XX/XX/2019, I started receiving robocalls on my cell phone with caller ID from XXXX  XXXX. We do have XXXX XXXX XXXX cell service and recently upgraded phones so I assumed the calls where follow up/survey calls related to that. The calls are coming at least once daily. Today, I answered the call so that they would stop the follow ups. Imagine my shock when it was " XXXX XXXX XXXX '' attempting to collect a debt which I have continually disputed. The correct name of the caller was NOT on the caller ID, which is a violation of the FDCPA. This agency is using deceptive tactics. It also took several seconds to connect to a person vs. the autodialer. Please investigate the deceptive tactics by this company in falsifying the identity of the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal violated the FDCPA, 15 U.S.C/805 by calling my spouse and discussing my personal account with him. On Thursday, XX/XX/2019 their debt collector/collections called my husband 's personal cell phone and asked for me and then preceded to give him the balance owed on my account as well as an offer to settle. This account is NOT jointly owned and I have never given them permission to discuss my account anyone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My checking account was secured as a Free/No Cost account. My employer direct deposits to 1 of my 2 Checking accounts with the institution. They charged a first time Checking account Maintenance fee of {$12.00} in XXXX. According to their service agreement, which was changed with out my knowledge/permission, I am required to have a direct deposit of more than {$250.00} per statement period. I receive my direct deposit to my alternate checking and simply transfer lump sums more than {$250.00}, on a regular basis. The practice to punish me for simply not having the same direct deposit to the same institution split between my two accounts is unfair & deceptive.

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