vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: TN

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Initailly spoke to company, and was given multiple options for paying off and having account in good standing. I agreed to the offer that if I pay half of {$4600.00} balance it was enough to pay off and close account. Called company after paying half and company would not honor agreement. Now they want more money. This is not the agreement initially agreed upon.

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 2020-07-02 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 was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these 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 2020-07-02 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 was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these 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 2020-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX  cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at credit karma on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any sync cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.

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 2020-07-02 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: TN

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}

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 2020-07-02 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: TN

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX  XXXX {$22000.00} XXXX   XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}

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 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV funding is false account. I spoke to XXXX when it was with them. they said they address was in the state of Washington.. I notified them i have never even visited that state. XXXX took it off look at my credit report. then 3 yrs later LVNV bought the account is what the LVNV rep i last spoke to said. I told her same story and i have never been to that state. She said it is here in Michigan. i asked for for what address was it billed to? she told me the address.. and billed from XX/XX/XXXX - XXXX XXXX. I said how can that be i did not live at that address. I moved out of XXXX XXXX XXXX XXXX.. I told the rep at LVNV funding this over 2 months ago, sent me papers to fill out and send back so they can do an eternal check. it did not sound sincere. since the bought the account and just changed addresses anyway. The fact i was not even living at this address when they claim i had service : should prove that this is fraudulent report against me. and has lowered my account at least 60 point since they posted it over 3 years ago. please help me clean up this issue. it is not the only one i have had and disputing. My cousin just reminded me he put they XXXX in his name when we renewed the apartment lease. so it can not be mine. 

Check with XXXX XXXX when i Left that apt XX/XX/XXXX. 
XXXX XXXX of XXXX - XXXX Thank you for your time and patience, XXXX XXXX They have another account for me going back to XXXX XXXX XXXX / the LVNV Rep asked me if i wanted to settle this acct today. i am furious.. this is not a joke.. i have never had a XXXX XXXX or any c-card for XXXX not mine again XXXX account. I have have had my identity stolen. check with Unemployment someone collected it for 2 plus years. they will not answer now for anyone.. maybe you? this was back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has been committing bank fraud in my account. The account has money disappear in mid transaction from thw balance other than funds involved. 

evidence shows {$3.00} missing between deposit and balance. 

Numerous other instance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX The financed amount was {$9400.00}. 
I should have paid the total due of {$3400.00} by XX/XX/2020. Which I planned to do ... I had planned to pay it off at the 2 year mark. 

I was going to make my XXXX payment due on XX/XX/XXXX and noticed the {$3600.00} finance charge. The finance charge was more than what was due in XXXX. I made multiple phone calls to XXXX on XX/XX/XXXX and XXXX speaking to multiple customer service representatives, supervisors and then managers. I talked to XXXX, XXXX, XXXX, XXXX and finally XXXX XXXX. 

Here is what happened ... .. 
I had an XXXX XXXX 2 years ago and financed the XXXX. I signed up for online statements and proceeded to pay more than the monthly amount required each month fully planning on paying the entire bill at the end of the finance period before finance charges would accrue. I received emails each month and the emails indicated the minimum amount and the total amount still remaining. I looked at the XXXX bill and noticed that the total amount due had doubled. I immediately called trying to figure out what happened. They of course said I passed the two year mark. I said that the emails had not indicated that I was reaching the XXXX year period ( my fault, I should have marked my calendar ) and I thought they would have maybe indicated that payment needed to be made in full to avoid finance charges in the email. I was wasn't even a month late paying the finance charges and they refuse to make any adjustment, I asked if we could negotiate something less than the full amount. I told them that I wanted to pay it off, I was paying more than required and relied on the emails that didn't indicate everything was due. They said they couldn't make any adjustments. I am sick to my stomach over the amount of the finance charges and stunned that we couldn't come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NJ

Complaint narrative:
XX/XX/2020 we paid with Citicard Credit Card car dealership to fix our auto {$980.00}. Dealer claimed they did fix our car. We arrived at dealer and paid in good faith. When we arrived to pick up our car, the dealer tried to deliver the car with no fix right there in their own garage. We never took the car back. Dealer then refused to return our money. Claim : Work we paid for was faulty or not completed. 

We then dispute the charge with Citicard two days later. Citi put a hold on the charge. We then sent a complete 26 page report to Citicard about the dispute on XX/XX/XXXX. Citi wrote us they ruled in our favor XX/XX/2020. The charge was removed ... then later magically appears again on our monthly statement. We contact Citicard on several occasions to find out why. They claim that we should be removed and ruled in favor. Then we receive a letter from Citicard dated XX/XX/2020 saying we must pay anyway. See attached two scans. 

Complete run around and hung out to dry by Citicard to us, and days of hours of calls on the phone with them for a further run around.

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 2020-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NY

Complaint narrative:
I have a loan with Earnest. In my account I have selected an option to reduce the amount of my minimum payment when I make additional payments. With that setting I have made twice monthly payments summing to the amount I owe. I've done this since XX/XX/2019. Recently I decided to take advantage of a small interest discount by enrolling in autopay. I was enrolled in autopay for only 3 days when I saw that my preference to have additional payments applied to my next payment was nullified by the autopay program. Now the company refuses to adjust my next payment and leaves me unable to afford the payment as a result. I expressed to the representative I spoke to that this policy had made the payment unaffordable for me and they continue to do nothing. Until now I have always made my payment on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Technology Federal Credit Union
State: PA

Complaint narrative:
I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is First Tech FCU and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified First Tech FCU and I am now getting collection notices from XXXX XXXX  XXXX on behave of First Tech FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX XXXX {$110000.00}

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 2020-07-02 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX  XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX  XXXX {$110000.00}

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 2020-07-02 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding-XXXX  is reporting a balance on my account and is continuing to update. I have paid this account and it should no longer be showing that I have a balance. It is negatively affecting my credit and it shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account XXXX was terminated by a hacker. i m a XXXX  and XXXX  for more than 15 years with paypal and XXXX my the account was hack the money gone the account closed .Had to open another account same email and owner.Want the money for this transactions : there are 3 transactions I dont play on line video games Invoice ID : XXXX XX/XX/2020 XXXX XXXX Transaction ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX Transaction ID : XXXX for XXXX EUR to XXXX XXXX XXXX is a fraud. 
Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is a fraud Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is fraud I m a senior with limited income please help. Canot make phone calls to paypal lines are down for the pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}

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 2020-07-02 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00}

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