vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: TX

Complaint narrative:
These inquires below are not authorized by me. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
After paying the amount requested by the mortgage company every month on either the website or pay by phone, I was told that I did not pay the full amount due and that I needed to make my account whole. I spoke with several customer service agents regarding this, and no one could tell me why I was short on payments. I spoke with a manager who said it seemed that I was approximately {$95.00} short, and that once I paid that my account would be up to date. I paid that amount, but upon next monthly payment I was told I was short again. I spoke with another customer service agent, their manager, and asked to have the next manager in the chain of command call me. They promised I would receive a call with in an hour, one month later, I still have not received that call. I also opened two separate help tickets with their online system. One was never responded to, and the other was closed with no information as to why I am short or how it has been resolved.

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 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The bankruptcy included at least one credit card account from Barclays Bank. Since the discharge, I have received numerous phone calls from different debt collection agencies trying to collect on behalf of Barclays. I always notify them verbally that I filed bankruptcy and that they are not legally allowed to contact me, but then it seems the collection agency changes and someone else tries again. The most recent company calling me is XXXX XXXX XXXX. It called from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today XX/XX/XXXX. In XXXX, it was a company called XXXX XXXX calling from XXXX, which called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to XXXX from that company on XX/XX/XXXX and spoke to XXXX on XX/XX/XXXX. There have been other collection agencies and other dates, but those are the ones I have close to hand. Please help me get Barclay to rescind all collection actions because they are illegally harassing me 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 explanation
Consumer complaint received 2020-06-04 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
After multiple attempts to resolve this issue. Td Bank/Target is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'm trying to set up direct deposit with my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 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. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
The card proccesser is Blackhawk Netork, which I dont think is even a real company You can NOT call the number on the back of your card issued by XXXX  When you try to report anything, the automatic computer asks the card info then your zip code You dont have my zip code, it hangs up on you No way to transfer I think your card is a SCAM, I have a {$400.00} gift card, I have a Fraudulent charge For {$120.00} from XXXX XXXX not my charge and you Offer no help at all XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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 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. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2020-06-04 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. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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. DEPTEDXXXX {$3500.00} DEPTEDXXXX  {$4500.00} DEPTEDXXXX {$6000.00} XXXX {$780.00} XXXX {$510.00} XXXX {$2000.00} XXXX {$3500.00}

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Tried to connect my PNC account through XXXX, they won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 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.XXXX  {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2020-06-04 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: AZ

Complaint narrative:
After multiple attempts to resolve this issue. XXXX XXXX is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: DISCOVER BANK
State: AZ

Complaint narrative:
Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if 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 2020-06-04 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. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 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. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
Called Resurgent in regards to an account, and was told I had 2 accounts, which we discussed. I was informed account was sold to them, yet not given a sold date. I have never received notices from either creditor or collection agency, in regards to this. I do not know when the account was allegedly placed for collections. 

Also account was to be placed in a medical hardship status with the original creditor. I was informed that activities would be suspended until recovered from medical condition, to which I have yet to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 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. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2020-06-04 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: CA

Complaint narrative:
Experian continues to list erroneous information on my credit file pertaining to my student loan - I was never late - which is causing my low credit score which is, during these current times, denying me access to much needed loans. Experian does not process my disputes in a timely fashion and/or does not provide me with written substantiation.

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 2020-06-04 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by Navient failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 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.XXXX {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2020-06-04 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.XXXX {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Transaction made at XXXX, XX/XX/XXXX, for {$55.00} with my Capital One Account. I contacted Capital One before transaction as to how this was to be charged to my account, and was informed it was a transaction with a fee since it was cash going to an inmate. When I received that statement it showed a fee of {$5.00}, but also a Cash Advance balance, subject to interest rate of {$16.00} and Interest Charge of {$0.00}. This was not explained to me before the transaction. I was told the charge to cash Advance was a mistake, and would be removed. The following month it was still on my statement. I called again and again informed it would be removed. 
I made the mistake of not checking my statement each month, just making sure I made my credit card payment each month. ( I was having illness issues ). 
Fast forward to XX/XX/XXXX, I decided to read my complete statement, and that is when I realized this charge was never removed and had increased to {$210.00}. This was on a {$55.00} transaction 6 years ago. ( I realize I should have been more observant ). 
I contacted Capital One to discuss this and asked them to remove this charge based on my earlier contact with the company. I was informed it could not be done. I was then told the only was to handle this is when I make the minimum payment to pay an additional amount, and it would be applied to this CASH ADVANCE balance. If I had been informed of this from the beginning I could have paid the {$55.00} amount the next payment due date. 
I tried to work out and arrangement with a supervisor ( XXXX, Employee # XXXX ). I asked since I had been a very good customer almost 20 yrs, could they eliminate this charge or that I could pay half of this charge? He repeatedly cited the section " How to Calculate the Interest Charges ''. This section does not refer to when a transaction is charged as cash advance. I was not informed correctly from the beginning. If I did not get the info in writing I should not have trusted them. I would like this to be corrected so no one else has to suffer. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received a promotional balance offer from Barclays in XX/XX/XXXX, 0 % promotional APR through at least XX/XX/XXXX with a 3 % fee where the transaction must post to my account by XX/XX/XXXX ( copy attached ). I called in to their call center and processed a balance transfer under this program on XX/XX/XXXX. I just noticed on my recent statement that they are charging me 19.99 % where it should be 0 % through XX/XX/XXXX ( copies attached ). Please note they also charged me the 3 % on the {$11000.00} for the promotional fee. When I called their call center, on XX/XX/XXXX, and told her I had the offer letter in hand and read it to her and I told her she could also refer to the call center recordings, they told me that the offer had expired. I again told them that the offer was good until XX/XX/XXXX and I processed this on XX/XX/XXXX and they even charged me the promotional balance 3 % fee. The call rep then put me on hold multiple times for no reason, without notice, in the middle of me talking to her and finally I was cut off when they just forwarded me to a payment option.

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