vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX  has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but Transunion and XXXX  said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from Transunion and XXXX  to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX According to the Fair Debt Collection Practices Act, Transunion has broken the following statues : 1. Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I never received the following from XXXX, yet Transunion is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

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 2020-03-31 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: NJ

Complaint narrative:
To whom It may concern, On XX/XX/XXXX I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XX/XX/XXXX-XX/XX/XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NJ

Complaint narrative:
To whom It may concern, On XX/XX/XXXX I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XX/XX/XXXX-XX/XX/XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.

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 2020-03-31 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: DE

Complaint narrative:
Experian is reporting inaccurate late payments on my report. I sent numerous letters stating the reporting was inaccurate and unverified. I requested information as to how they verified the information. They did not give me a response. I received a letter in the mail that they would not re-investigate unless I provide them with proof that payments were made on time. I sent in My bank statements as well as proof of payment received by each creditor. I requested a response back within 15 days. They did not update the information although I provided proof. Instead they sent me a credit report which I did not request. I called in and the agent that I spoke with said that they received my recent proof ( statements ) on XX/XX/2020 however nothing was done to rectify this ongoing issue.

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 2020-03-31 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: NJ

Complaint narrative:
To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Chatted with a Capital One representative onXX/XX/XXXXaround XXXX about payment options for late payments and what options were available as a result of covid-19. We were able to make arrangements to cover the late payments but the company seemed to be unwilling to suspend the interest I was going to accrue while making the payment arrangements. I totally understand I was late but I would've hoped they would've been able to pause my interest. 

Attaching the payment terms we agreed to for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Universal Account Servicing, LLC
State: WA

Complaint narrative:
The FTC filed a lawsuit against XXXX XXXX XXXX stating XXXX made fraudulent claims older folks like myself could make money on the stock market using their training program. I took a {$25000.00} loan out to pay for my training with XXXX through a second party XXXX  works with and recommended to me called Universal account Servicing LLC. I made a downpayment to UAS of {$1900.00} on XX/XX/XXXX. 
The loan # is XXXX My monthly loan payment to UAS is {$1200.00} due on the XXXX of each month which commenced on XX/XX/XXXX. 
I paid for XXXX, and XXXX but discontinued payments effective XX/XX/XXXX due to not getting training and services I was promised. 

I called UAS 3 times to inform them of my decision. I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of my intentions to stop paying for a service I was no longer able to use due to FTC lawsuit. 
I left messages with UAS on XX/XX/XXXX and XXXX but did talk to a customer service rep named XXXX on XX/XX/XXXX to inform her I was not going to continue to pay for a service I was no longer able to access. My case # is XXXX. 

I am still being billed by UAS and threatened with late payments per letter received via mail XX/XX/XXXX. 

The FTC directed XXXX to stop receiving payments from students for training they are no longer able to receive while FTC lawsuit is pending. Perhaps due to my loan with their recommended agency UAS this cease and desist order does not apply? If not it should because I was promised a LIFETIME of free training and only got 1.5 months. 
Their trading platform, XXXX  is still in XXXX mode so worthless and their XXXX XXXX is closed for business so I am not able to take classes there. 

I should not be expected to pay for a lifetime of services that was only offered for 6 weeks and is no longer available to me. I should not have to be stressed out that they keep billing me with threat to my credit rating and late charges accumulating. This is grossly unfair to charge to a product or service that they are not providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: RI

Complaint narrative:
I dont have specifics of loan because I didnt take the loan. I was searching and filled out questionnaire to see rates. The money showed up in my account today XX/XX/2020. I called and told them to remove amount. No more no less. They will get back to me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/NAVI XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have two credit cards with Capitol One. 
I have a membership with XXXX XXXX XXXX. 
During the last 60 days XXXX XXXX applied two charges to my credit card. 
Capitol One called this fraud. I disagreed, by acquiesced. 
Capitol One shut down the card and sent me a new one. 

XXXX XXXX began billing the other card. 
Again the second charge was billed to my account. 
When I tried to correct this redundant charge with Capitol One-two representatives hung up on me and I was disconnected by the system once. I started calling Capitol One at XXXX on XX/XX/20 it is now XXXX. 

The charge by XXXX does not fall under the legal definition of fraud. It is company ineptitude. Capitol One will not help me resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX  XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2020 - i sent a fax - enclosing copies of my social security card/driver 's lincence - to Equifax on the same date i also sent them a letter attaching these document copies - have usps tracking which shows Equifax received this on XX/XX/XXXX on same date i sent these document pdf 's to equifax customerservice - purpose - to lift temporarily my credit freeze [ bank loan can not be processed because of the freeze - need funds desperately ] i had zero problem getting my credit freeze lifted with XXXX  and XXXX i went to register on equifax site so i can get this done - they sent me a 10 digit verification code - used the code - went thru all the steps - got a screen saying to call a given number - called the number - they wanted mobile phone number [ not having one, i gave them regular number ] - provided social security number - digits of street address - and finally zip - they did not help me create a login - its been a nightmare trying to get response to my credit freeze removal - and getting help to log in so i can do this PLEASE HELP- AM SURE YOU CAN FIND SIMILAR COMPLAINTS AGAINST THEM - EQUIFAX XXXX ON THE WEB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a wire transfer on XX/XX/XXXX to my mother in law for {$850.00}. The wire shows completed on chase but never showed pending or came in for XXXX  XXXX XXXX. I called chase to make sure I didnt fat finger the account or routing number. Everything was good so I waited a day or two more to see if the transfer would show then. Still nothing so now I have XXXX in limbo somewhere. I have made two inquires about this issue but have yet had any response from XXXX to assist me with this issue. I have also tired calling them but keep getting the circled around to different departments because no one can figure out how to help to the point I keep getting hung up on. I cant afford to lose money in crisis like these and would like to have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - Initiated a balance transfer. A {$2400.00} credit balance was paid by XXXX XXXX, account XXXX XXXX XXXX XXXX to CITIBANK account XXXX XXXX XXXX XXXX but Citibank refuses to credit my account, now I owe both agencies {$2400.00}. XXXX ( worked with XXXX ) claims that a check was sent. They have provided the following as proof : Check was cashed XX/XX/XXXX, they are sending me a copy. 
Account : XXXX Check # XXXX sequence : XXXX Citibank, when pressed, refers me back to XXXX or just hangs up on me when i ask to speak to a supervisor ( XX/XX/XXXX and XX/XX/XXXX ). Call wait times are over 2 hours and Ive called 3 times at least. Several other abandoned attempts.

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 2020-03-31 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: NJ

Complaint narrative:
To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NJ

Complaint narrative:
To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XXXX XXXX XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX   XXXX 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 non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Master Card We held 2 accounts with Barclay ; a credit card and a loan account. A check for payment in full of the personal loan balance was credited in error to our credit card account on XX/XX/XXXX. It took hours of phone time, faxes, letters to finally receive a refund from Barclays credit card in the amount of {$24000.00} which was mailed on XX/XX/XXXX. We then used the refund to pay off the personal loan in full. Initially Barclays credit card only reflected the correct refund, however they now reflect that the refund was made twice ( XX/XX/XXXX and XX/XX/XXXX ) and therefore our balance which is XXXX  reflects {$26000.00} due. They have reported this amount to the credit bureau which has lowered our credit rating due to the new debt and the fact that our limit on this account is {$12000.00} and is showing we are overlimit. 
We have stayed on hold attempting to telephone them for hours to no avail, on XX/XX/XXXX we sent them a secure message on their web site, on XX/XX/XXXX we faxed all paperwork and explanation, on XX/XX/XXXX we emailed their CEO of cards and payments. WE have had no response from any of these attempts. We have attached all documents applicable.

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