vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: NJ

Complaint narrative:
My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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:
On 1XX/XX/2017 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2017. On XX/XX/2017 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America put a hold on a check that I deposit every month. It is a county check. I contacted the bank that the check was drawn on and they said the funds had already been given to Bank of America. Bank of America says they havent and they still will not release the funds.

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 2019-01-07 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: MO

Complaint narrative:
I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX   MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED AT SOME POINT NOW ITS BACK AGAIN.THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX   MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: UT

Complaint narrative:
Guild mortgage has attempted 3 times to make unauthorized debits against my checking account. I have not set up auto pay with this institution nor did I authorize a one time electronic debit authorization. The first unauthorized attempt was made on Monday XX/XX/XXXX. The second was on Thursday XX/XX/XXXX. On the XX/XX/XXXX I contacted my financial institution to verify that Guild mortgage was the correct company attempting to access my account. I also contacted Guild as was told no such attempt was made. Guilds customer service line further informed me to e-mail the customer service department to open a order to rectify the matter. I sent the e-mail on XX/XX/XXXX to their customer service department. I received the following reply the same day " Thank you for your recent inquiry to Guild Mortgage Customer Service Department. We appreciate the opportunity to assist you. We will review your inquiry and provide a response within three ( 3 ) business days.

Guild Mortgage Company Customer Service Department **** PLEASE DO NOT RESPOND TO THIS AUTOMATED RESPONSE**** Customer Service N/A Customer Service O : XXXX Company NMLS # XXXX Equal Housing Lender Guild Mortgage Company '' Today XX/XX/XXXX a third attempt was made to debit my checking account. I contacted guild at XXXX and was told that my e-mail was ignored because i did not send a copy of my checking account showing the charges. I feel that sending my account information to a unsecured nonspecific general e-mail account is inviting further unauthorized transaction or outright identity theft, and will not be doing so regardless of their request. So I asked to speak to a supervisor and informed them that I would lodge a formal compliant with the FTC, FDIC & CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Someone had me transfer money to their friend 's account to help pay for airline fees. 
The total was {$210.00} and I sent it to XXXX XXXX e-mail at XXXX on XXXX. But then the person ( XXXX XXXX XXXX ) ( who's e-mail was XXXX ) started demanding money for many other things. Turned out to be fraud. I was wondering if I could get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: MI

Complaint narrative:
On Thursday, XX/XX/2018 ( for the second time in a two month span ) PayPal has decided to freeze my account. They will not tell me why they froze it. They blame the IRS and per their XXXX comments from other patrons, Im highly doubtful I will receive my money and be able to use that account. I need that money to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
XXXX XXXX has my information and has sent it to some company and will not tell me the lender that asked for the information or the sources of their information on me. I want to freeze them from obtaining and distributing my information and in order to do so I have to mail or fax my personal information to prove that I am in fact myself which defeats the whole purpose of me not wanting them to have access to my information. I did not nor would I ever give a company thats on the whole opposite side of the nation my consent to collect and distribute my information.

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 2019-01-07 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: FL

Complaint narrative:
I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.

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 2019-01-07 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: FL

Complaint narrative:
I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.

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 2019-01-07 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I email a dispute to Portfolio Recovery It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX still showing as XXXX XXXX/XXXX XXXX as owning account and PRA is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: IL

Complaint narrative:
The account below is not mines. By law I have a right to dispute a debt after receiving notice of debt. I have never received notice from this company. They have broke the FTC guidelines for reporting debts.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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:
Equifax and XXXX are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover charged me for a payment protection plan that i did not sign up for. They are cancelling the plan for me but only refunding a portion of the charges. This happened in XX/XX/2011 with a lawsuit to follow. Just want to make sure it is known that they are still doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Government shutdown responses via the following two websites are allowing Federal Student Aid, FTC, US Department of Education, XXXX, and various collection agencies to sidestep their fraud. Reliant Capital Solutions , LLC and various other collection agencies tampered with an original letter issued by US Department of Education and promissory notes in effort to gain monetarily in an illegal manner. Individuals took records out of a XX/XX/XXXX Bankruptcy proceeding and abused it.

XXXX XXXX XXXX ( trustee ) was contacted in XX/XX/XXXX regarding the Bankruptcy records on this issue. The complainant was told that the record had been gone for many years ; thus, even more reason to believe that collection agencies and US Department of Education and their affiliated collection agencies - whom remain unresponsive ; are intentionally causing financial damage to cover up their identity theft and fraud.

Collection agencies can not make decisions on their own on student loan debts and neither can US Department of Education. There is no such thing as an informal review when tax refund offset is involved, it is a financial process. We do not have wage garnishment related to student loans in this country. You can't even do what you are doing without notifying students.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX  and Experian are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from 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 2019-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX   still showing as XXXX  XXXX/XXXX XXXX  as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB

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 2019-01-07 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: TX

Complaint narrative:
On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. Experian still showing as XXXX  XXXX/XXXX  XXXX as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
2 months ago I applied for a mortgage and in order to obtain it I had to pay down any large debt that my husband owed USAA CREDIT CARD was one of my larger debtor so XXXX XXXX XXXX advisor XXXX XXXX suggested we pay them off in full. I investigated the charges to my account and discovered most of the charges were made after we had moved from our former address and were for XXXX XXXX males would order. I contacted XXXX and found out they mailed out a new credit card to my old address and two minor males at that address were purchasing body building products with the card XXXX sent to my old address in my name XXXX XXXX XXXX. I called XXXX and stopped the card use, determined what my real balance was, paid that off and requested they close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called Transunion in regard to an hard inquiry from XXXX XXXX made yesterday XX/XX/2019 which I did not do and have no knowledge of. They told me XXXX XXXX had permissible purpose and advised me to get a letter of deletion in order to get it removed. I then called XXXX XXXX. There are no records of any new accounts with my personal information ; my name and social, in their system, there was no attempt at all. I just cant and dont understand how can this hard inquiry magically appear on my transunion credit profile from XXXX XXXX   and XXXX XXXX is saying they had nothing to do with it. XXXX, the representative from XXXX XXXX said she couldnt provide me with any letter about an inquiry that did not happen.

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 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
For over a year, I have been receiving robocalls from Harris & Harris , Ltd . The calls state that they are debt collectors, and to please call their office during office hours. These calls are bogus calls, because I've never had debt, and my credit is in excellent status. These calls can also come multiple times per day. I am finally getting so annoyed that I am filing a complaint to stop the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax sent me a report # XXXX but did not make clear what was deleted ...

Company response to consumer: Closed with explanation