vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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 disputed the same reporting errors on my credit bureau account with Experian and XXXX  more than 5 times each. In addition, I have sent in written documentation by mail to both credit bureaus for name and address discrepancies and to request an investigation on items that are in error. 

Investigations were not completed as promised, investigation and dispute dates where change every time that I called, the dispute dates/ investigations were not carried out to the fully completion dates, and I wasn't provided the documentation that was requested. 

I sent a copy of my social card and disputing letters by certified mail back in XX/XX/2019 by certified mail, and I have called and disputed the same items since XX/XX/2019 and now it is the end of XX/XX/2019 and nothing has been corrected. Currently the same items are in a new dispute as of last week. 

The credit bureau has failed to correct my personal information on my credit bureau reports including my name and address, in addition to, failing to provide documentation that I have requested to proved that the items disputed are true, indeed my accounts. 

I have contacted the companies in question that are on my credit bureau report and they can not provide written documentation to proved that the accounts are mine because I do not have accounts with their company ( s ). 

You are my last result other than pursuing legal action against the two credit bureaus. 

Please help!!

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 2019-11-27 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: OH

Complaint narrative:
I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.

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 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
The original issue was with XXXX  We moved and asked for a simple movers package. First the technician went to the old address. Then once he arrived at our correct new address, I elected to go wireless for a one time fee. The agreed upon monthly amount was for about {$120.00}. The first bill after a month or so was for about {$1200.00}. Naturally I called and argued with the representative until it was agreed on that if I pay my $ 125 monthly amount the billing issue would be fixed. The next billing cycle landed me a bill of about {$600.00}! I had to call and complain again until it was agreed upon that if I paid the {$120.00} my service would not be disconnected. The Next billing cycle had arrived along with a bill for around {$300.00}!!! I called AGAIN to complain about their service and the billing debacle, but this time I told the representative to just forget it and to cancel the contract. At this time I also drafted a letter and sent it stating that I wanted to cancel due to a breach of contract on their part by not charging the {$120.00} as agreed upon. The letter was sent to them by certified mail with a return receipt, but I might not be able to find the receipt after all of this time. I also told them that I don't work for them and if they want their equipment, they need to send a technician to pick it up. I never heard anything else so I thought it was over. I did threaten to file a fraud complaint but never did since I thought it was resolved. Then a collection agency started trying to collect on an account that I had cancelled. I keep receiving letters on a regular basis from different agencies with a " deal '' that if I can pay just half or so, it'll be all better. I don't feel that I have to pay anyone for a cancelled contract. And I don't believe that this should be on my credit report at all, I consider this an FDCPA violation and outright fraud. 
The original letter to XXXX and a copy of the latest collection letter will be uploaded soon.

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 2019-11-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Years ago, after they were hacked, I placed a freeze on all three major credit agencies regarding my credit report. I was attempting to purchase an auto and was reminded of the freeze. XXXX  and XXXX  rapidly removed the freeze at my request. Experian, however, made this virtually impossible. They would not remove via their website but required me to send much hard copy information, including copies of my SS card and Drivers license to a P.O. Box in Texas, no street address was available and no human could be reached via phone. 

I sent the information requested in two complete packages, one on XX/XX/2019 and one on XX/XX/2019. IN response, I got an unidentified text message with a one time code. I was not told how or were to use if at all. So, I went to their website, input the code which the computer seemed to take and lo and behold, my credit report with them remains frozen. 

Now, I am in serious risk of breach on my auto traded in via XXXX XXXX XXXX because the dealer has never applied for a loan as the Experian report remains frozen. I am at a loss about what to do at this point.

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 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX  XXXX  XXXX Account Number {$1100.00} Balance XX/XX/2019 Date Opened Collection account. {$1100.00} past due as of XX/XX/2019. 

CREDENCE RESOURCE MANAGE XXXX Account Number {$1000.00} Balance XX/XX/2019 Date Opened Collection account. {$1000.00} past due as of XX/XX/2019 I've called several times ( both companies ) with no answer, hence no resolution. Credit agencies have also been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.

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 2019-11-27 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: OH

Complaint narrative:
I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
My account was not working normally so I contacted them. I received an email on XX/XX/XXXX from support after contacting them for help. They told me my account was closed and are not replying to my questions. I have not done anything out of the ordinary in the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Accounts Systems has 4 accounts under my name. 2 of the 4 accounts has been paid off and are still on my credit report. The 2 accounts are XXXX XXXX XXXX the amount of {$100.00} was paid off. Also, XXXX XXXX XXXX the amount {$98.00} was paid off as well. The other two accounts that are stated I owe a balance are XXXX XXXX XXXX in the amount of {$98.00} and another amount of {$480.00}. I have been disputing the two accounts for the past few years. The amounts are not what I owe based on the insurance I had with a previous employer. I have mentioned this to Eastern Accounts Systems for the past few years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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 feel as though I have disputed the same XXXX XXXX XXXX Credit Card on my credit report multiple times but the most recent dispute I made to Experian was on XX/XX/19. This XXXX XXXX XXXX credit card rightly does not show on my other credit reports and shouldn't be on my Experian credit report because it is not mine. I don't have, and never had, a XXXX XXXX XXXX credit card or membership for that matter. I received the results from my dispute on XX/XX/19 and it says that they confirmed the information as " accurate '' but updated the information. They updated the amount owed on the credit card and the monthly minimum payment but this does not correct anything considering that the entire account should be deleted as it does not belong to 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 non-monetary relief
Consumer complaint received 2019-11-27 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: CA

Complaint narrative:
Recently XX/XX/XXXX I put a freeze on all my credit, and I did this because I am looking at apartments, but ran into trouble with a scammer acting like a fake property renter, that was the purpose of my freeze, he had all my important info. 
Fast forward, now my apartment search is harder but I feel safer and I have the tools to make a credit check easy for the property owner. 
I thought I did. 
Today, XX/XX/2019, I receive a notice from a gentleman who I was hoping would rent his place to me. He said he forgot I told him my credit was frozen, and he ran it anyways. He also sent me my report from his viewpoint. 
My issue is. 
If there is a freeze on my account, no report should of been generated. But there was a report. I have great credit honestly, but because of the very big fat bold F letter grade, ( maybe its a fail maybe it's a frozen ) still big fat bold F, on the front page of the report that should not have been generated. 
I'm praying the owner gives me time to unlock my freeze now. What a disservice, F letter grade, is inaccurate and should not be 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 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
This is an issue I am having with Applecard ( Goldman Sachs ) : 1. I was approved and issued a card on XX/XX/2019 2. I made 3 purchases between XX/XX/19 and XX/XX/19 totaling {$130.00} 3. I was notified ( via the app ) that my account was restricted on XX/XX/19. No explanation. I was no longer allowed to make any purchases 4. I have contacted Apple/Goldman Sachs many times over the last week with no resolution. They have indicated my account is under review and someone will call me.

5. On Monday, I spoke with a customer service representative and was told I would get a call within 48 hours and I have not.

6. I contacted Apple/Goldman Sachs today to cancel the card since they have not resolved the issue. They told me not only can they not resolve my issue today, that I can not even cancel the card since it is under review.

It seems to me ridiculous that I can not use the card or cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
See attached BMO Complaint for easier reading. 

Opened a new checking account and a money market account with qualifying activities and am entitled to a {$500.00} bonus. The company will not pay the bonus, saying the direct deposits do not count as qualifying transactions. With this I disagree. The details of the activity and offer are as follows. 

*Offer 1 : Get a {$400.00} bonus when you open a new BMO Harris Smart Money Account , BMO Harris Smart Advantage Account , or BMO Harris Premier Account and complete the following steps : 1 ) Have a cumulative total of {$6000.00} in direct deposits of a paycheck, pension payment,  Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. 

1. XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  XXXX XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  2 ) Enroll in BMO Digital Banking and set up paperless statements within 120 days of account opening. You must still be enrolled in paperless statements when the cash bonus is credited. 

Done 3 ) Have at least 10 qualifying transactions post to your account within 120 days of account opening. Qualifying transactions include ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. 


1 XX/XX/2019 {$100.00} ACH DEPOSIT 2 XX/XX/2019 {$50.00} ACH DEPOSIT 3 XX/XX/2019 {$50.00} ACH DEPOSIT 4 XX/XX/2019 {$50.00} ACH DEPOSIT 5 XX/XX/2019 {$50.00} ACH DEPOSIT 6 XX/XX/2019 {$50.00} ACH DEPOSIT 7 XX/XX/2019 {$50.00} ACH DEPOSIT 8 XX/XX/2019 {$3000.00} ACH DEPOSIT 9 XX/XX/2019 {$3000.00} ACH DEPOSIT 10 XX/XX/2019 {$3000.00} ACH DEBIT

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 2019-11-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have ttried to fix this problem on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This problem started when my credit fell from XXXX to XXXX with Equifax and XXXX. This egrigious error was either caused by a clerk or management. Intentionally or unintentally, it borders on criminal misconduct and may be subject to a lawsuit in the near future. This problem should have been corrected by now. I will also file a duplicate report with the U.S. Attorney General to look into possible criminal mischief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
On XX/XX/2019, I paid {$700.00} cash to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid, via debit card, an additional {$500.00} for hair. The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to have remove the old hair from my head. The woman did a horrible install. On XX/XX/2019, I noticed a {$700.00} charge to my card. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have Hollywood clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. 

On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card.

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