vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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 HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.

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 2019-09-23 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-09-23 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I lost my job due to recession in 2010. My family had to move from XXXX to XXXX to start over, we even filed bankruptcy 2 years ago. I have went from owing Naviet {$30000.00} to now owing over {$60000.00} due to taking forbearance because of job loss. I would have rather paid smaller payments, but they did not give me that option. They have tacked on {$30000.00} in fees making it almost impossible to repay!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
i have disputed this error for almost a year. 
The account is being reported incorrectly. They state they got the information from XXXX which is frozen and can not release any information without my approval. 

The courts also stated they did not release this information to the bureaus so theyre stating they verified this. but they could not have verified anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am a victim of identity fraud since 2017. Most recently I have had fraud charges show up multiple places. As a result we had overdraft charges and navy Federal is not refunding the account for 8 or 9 {$29.00} charges. Also I have been charged XXXX 5 times for a new debit card that they keep canceling without my knowledge. I am not sure if its a security feature due to my fraud alerts but the account should also be credited. I have on numerous occasions went to use my card and the card has been deleted. Between the overdraft charges and the debit card charges it is over {$300.00}. We are already in a terrible place because of the identity fraud and could really use some help understanding. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When my mother passed away XX/XX/2019, I was notified that I became successor trustee of her Wells Fargo Living Trust Checking account. Wells Fargo would not allow me to access the account, until I had the death certificate. Once I finally received the death certificate I faxed it to Wells Fargo, and it took several days for the bank to process and allow me to gain access to the account. 

I wasn't able to view the statements until XX/XX/XXXX. That's when I discovered that several checks had been forged, totaling about $ 5,000.The latest check was cashed XX/XX/XXXX, for {$3000.00}, more than two weeks after my mother 's death. ( Even though I knew of my mother 's death, Wells Fargo refused to close the account until I had the death certificate. ) I notified the Wells Fargo Fraud Department immediately once the banks allowed me access and I read the statements and saw the checks. It took the bank two weeks to return my inquiry and finally a XXXX XXXX, check fraud specialist returned my inquiry. After about another two weeks of hearing nothing, I called him back at the check fraud department. My claim number is # XXXX. XXXX XXXX said that since some of the forged checks had dated back to XXXX 2019, that stopped Wells Fargo from any obligation to try and get restitution. 

Wells Fargo admitted that the checks were clearly forged. I think the bank had an obligation to not honor signature on the checks that were not my mother 's signature. Why even sign checks unless the signature is a valuable identification tool? Wells Fargo has a responsibility to verify the authenticity of such forged signatures that are easily identified as fake. Now that my mother is deceased. This is theft from her estate. 

Wells Fargo is supposedly conducting a criminal investigation. On XXXX XXXX, a XXXX XXXX, financial crimes consultant at Wells Fargo e-mailed me about her concern about the forgeries. She said she had nothing to do with Wells Fargo 's position on refusing to make any restitution for the forged checks. XXXX XXXX 's number is XXXX. Her address is XXXX. 

This is another example of how Wells Fargo is addicted to its red tape rather than truly helping its customers.

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Professional Collection Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed outdated negative account information with Equifax, that is over 7yrs old, back on XXXX. They reported that this account was verified, and an updated reporting date was placed on my credit file for XXXX from the original reporting date of XXXX. I believe that someone in Equifax organization disregarded the Fair Credit Reporting Act, section XXXX, in order to prolong the removal of this outdated negative account by updated the reporting date of the account to XXXX. This account from XXXX XXXX XXXX XXXX should be removed and never updated. The account has been closed since XX/XX/2008 and the status on the credit report states, it's closed/paid/and zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion File # XXXX dated XX/XX/2019 has XXXX XXXX showing and I OPT OUT on promotion and Transunion should not be letting XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX IL XXXX pulling or doing account review I did not request or inquire to there products. Please stop with the scams of selling information after I opt out.I have also filed a XXXX Attorney complaint on Transunion as well

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 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Beginning of XX/XX/XXXX the collection agency ARS sent me information on a debt that I have repeatedly stated I do not owe. They are stating that they verified services were rendered but that did not confirm that these services were also actually covered through the finance committee of the hospital after determination my needing assistance. I have provided the confirmation of this through the letter that the Florida Hospital sent me. This letter shows the patient responsibility which is me as {$0.00} for services rendered on the date 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 2019-09-23 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: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2019-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: CO

Complaint narrative:
There is a fraudulent charge on my credit from XXXX XXXX for XXXX $ line of credit opened in XXXX of 2012. I have just recently found out about it now that it is in collections. I have called XXXX XXXX and they will not work with me because my date of birth is incorrect I have contacted Experian and this is still on my credit, now with another {$1000.00} XXXX credit card, which I have also never owned still on my credit. Clearly my identity has been stolen and I need these items off my credit as they are not mine, opened by me, or with my permission.

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 2019-09-23 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: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2019-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX at amerisave mortage charged me XXXX XXXX dollors to start application for a refinance but change amount to be financed after that and i wasnt interesred so i canceled the appraisal appointment and told him im not interested and asked for my XXXX XXXX dollors back he told me it was non refundable is that legal and how do i get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards.

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 2019-09-23 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have been fighting with the credit bureaus for some time now and i'm getting very frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: DC

Complaint narrative:
A representative called me and did not disclose the company name when I asked specifically and repeatedly to know what company was calling me.

Company response to consumer: Closed with explanation