vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a Dispute to Equifax. I received a bill for monies to an apartment that I lived in before I purchased my home last year. The apartment complex sold the bill to their collection agency, XXXX XXXX XXXX. I submitted proof that I paid the account in full prior to moving out of the unit, as well as proof that I was cleared to move out and did not owe any further monies to the apartment complex. This was signed by myself and the apartment management. When I received the bill, I emailed the new apartment manager and asked her to please take care of this. She said that she was no longer legally allowed to communicate with previous tenants once they move out, per corporate policy. I submitted my proof to the corporate office, who said that they were unable to speak to me since it had been sent to their collection agency. The collection agency denied my proof of payment. I sent my proof of payment in full and my documentation to show that when I moved out I did not owe a cent and I was on good terms with the apartment complex. Equifax said that their decision was that the debt was accurate and would remain on my credit file. What more do I need to send to show Equifax that I do not owe this debt? I thought that proof of payment and email correspondence between myself and the apartment complex was substantial. Can you please tell me what else I need to send to have them remove the account? I can't afford to sue them, but I don't know what else to send besides receipts from my bank account and correspondence from the apartment complex that shows I owed nothing on moving out and was in good standing. I also found that this apartment complex has many different complexes and is owned by a huge Corporate office and they have a history of sending bills for frivolous charges this to consumers after moving out and refusing to speak to them. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to use my Discover credit card to make a purchase with XXXX XXXX, and to my unpleasant surprise, my card was declined. I didnt overthink it since I figured it was some technical hiccup, so I used a different credit card and went about my day. Imagine my surprise when my card was declined again on XX/XX/XXXX at XXXX. It was at this point that I logged in to my account and noticed that {$0.00} were available of my {$21000.00} credit line with less than {$200.00} in charges currently on my account. 

On XX/XX/XXXX, I called the Discover support team to which I was met with no information and asked to call back the next day since the department I needed to speak with was unavailable. I called in again on XX/XX/XXXX and was informed that my account was closed and to look for information in the mail. According to the letter received from Discover, my account was closed due to a business decision without any details as to why and without any prior notice to allow for resolution of the supposed issue. 

According to the CARD Act of 2009, financial institutions such as Discover are required to provide a notice of account closure at least 14 days before the action being taken, which was not done, in addition to only providing a vague reason as to why my account was closed, leading me to believe that I am being unfairly targeted by Discover for questionable and seemingly unethical reasons. 

I feel that this closure was unfair, unjustified and without merit since I have followed the guidelines of the Cardmember Agreement and have never been late on payments in the 4+ years that I have been a customer of Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXXF XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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:
XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT

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 2019-08-26 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:
XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT

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 2019-08-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.

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 2019-08-26 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.

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 2019-08-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I received a letter from XXXX XXXX, stating that XXXX XXXX has requested the removal of my collections account from all consumer reporting agencies. XXXX  has removed it, however, as of XX/XX/2019, Equifax still has not. On XX/XX/2019, I submitted a dispute through Equifax. On XX/XX/2019, the investigation was complete, and Equifax continues to show my collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: PA

Complaint narrative:
I have contacted TransUnion a few times by mail and phone about some unauthorized hard inquires showing on my Credit File. I first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the XXXX  XXXX account I disputed. And they never sent me correspondence about the other items. I even called a few of these creditors around this time to dispute these items with them which they end up making a report and telling me they update their system and send updates to the credit bureaus. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

I even sent them mail for a second time on XX/XX/XXXX disputing the items again along with an identity theft report I filled with the Federal Trade Commission and I still have not heard back from them. Below are a list of items I disputed due to fraud : XXXX : Hard inquiry date XXXX XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  : Credit Card Closed on 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 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I came into some money from a sale of property I received two checks in the mail on XXXX I want and opened a checking account on XXXX the banker XXXX XXXX from SunTrust informed me that I can cash the XXXX and put XXXX in my pocket and he would deposited the remaining amount with the deposit of the XXXX would be a total of XXXX and said the money would be on my account in the morning so I waited a couple of days and I wanted a car and looked around then I found one do on the XXXX I bought a car gave them XXXX cash and wrote a check for the remainder which was XXXX to total the XXXX the next thing I know my account was closed nobody knows nothing I would receive my money back in the mail now it's XXXX and still nothing haven't herd nothing.

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
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
This company calls multiple times per day from many different phone numbers, using illegal call spoofing tactics and robotic dialers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
During XX/XX/XXXX, I went online for a payday loan. I received a noticed I am approved for {$400.00}. I asked this company do they have licensed to lend in Virginia, they advised me they are license in Virginia. I never did received the loan in my bank. The next month, I noticed they took money from my account. I called the bank advising them of unauthorized action on my account, to close our account. I also check with the State Corporation Commission of Virginia to see if XXXX XXXX was granted license in Virginia. I was told XXXX not licensed in Virginia to do payday loans. On XX/XX/XXXX, we filed a Chapter XXXX Bankruptcy, inserting all out debts to include XXXX on our Petition. On XX/XX/XXXX, we were grant a discharge from all our debts. About two months ago, it appears XXXX, sold the fraudulent loan to AD ASTRA RECOVERY SERVIC. Now this debts is showing on all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2019 XXXX Pension agency sent me a payment of EUR  XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX agency was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX agency that they are unable to recover money from that account. My personal calls to Capital One Bank always ended up with advice to contact the sender. 

On XX/XX/2019 I have filed a compliant with CFPB and attached a letter from XXXX pension agency describing the situation and their activity to get information from the issuing bank and Capital One. Despite this letter, on XX/XX/2019 Capital One has responded with a completely formal letter, saying that they do not have enough information to identify the problem and recommended to contact an issuing bank. The bank employee who signed the letter also provided his personal phone number and asked to call if I have questions. Needless to say that when I called that number and left the message, nobody called me back ... 

It shows that this institution learned well how to diminish effect of such requests especially because CFPB closed the case without any follow-up. Now I pushed to file another complaint because I do not know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried to lift a freeze on my Experian account on XX/XX/2019. I thought I finally managed to do it, but I obviously didnt because I was denied credit on XX/XX/2019 by at least 2 financial institutions because my credit was still frozen on Experian. I tried to unfreeze it previously without success. They want a lot of personal information ( ssn, birth cert, billing info, etc. ) to be mailed into them which seems scary to me because that in and of itself can cause fraudulent activity. There is no way to talk to an actual person with Experian. Their customer service is horrendous. They make lifting a freeze very difficult/impossible. 

I had no trouble at all with XXXX or XXXX. I was able to lift the freeze on both of these credit bureaus this time as well as in the past without any difficulty at all.

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 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
I was contacted by this company on XX/XX/2019 at my work and made arrangements to repay a debt that I owe and asked that they not call my work number and they continue to do so, they're calling several times a day on both my work and my personal cell phone number. I don't care if they call my cell phone, but they're harassing me at work which I've asked them not to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I noticed a hard inquiry on my XXXX account that Does NOT belong to me. It is from Syncb ( national credit cards/airlines ) on XX/XX/2019. They are out of XXXX, Fla. I use XXXX XXXX & noticed on the site direction to call the creditor. I called them on XX/XX/2019 at XXXX. The first time I was hung up on. The second attempt I was told No one works in that dept. and I need to contact XXXX. The next business day I called XXXX back and was told I need to acquire a letter of dismissal from syncb. So, I called them back and was told they can't give me one because there is no such department. They informed me it was an issue with XXXX XXXX & I need to take it up with them. I started a messaging chat with XXXX XXXX and they told me they would get back to me. They never did. I am trying to repair my credit but I am finding it difficult with people out there who scam.

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 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I contacted this firm opp loans several times XX/XX/2019 and XX/XX/2019, as a consumer regarding the high interests rates being charged on my loan. I informed them that military spouses and familys ( my husband is XXXX XXXX ) that we are protected against high interest rates. They informed me that they needed proof to review my interest rate. They then informed me that spouse loans are not covered under the military lending act and was notified by their legal department. My current interest rate is 159 % on short term installment loan. Please assist

Company response to consumer: Closed with explanation