vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT BASED ON PERSONAL INFORMATION BEING COMPROMISED BY THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED A FTC REPORT/POLICE REPORT AND OTHER IDENTIFYING INFORMATION SO THAT YOU CAN BLOCK THE ITEM LISTED ON MY FTC REPORTS.

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 2019-07-28 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: CA

Complaint narrative:
Got scammed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/19 I was notified by XXXX  that penn credit corp reported a collection account that I have never been provided with a bill or any documents validating the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: CO

Complaint narrative:
I contacted Discover several times via phone, chat, and email to investigate a possible identity theft that happened. They never investigated, never gave me temporary credits, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UNauthorized cards to addresses that I have never lived at. The fraud continued to happened and led to over {$10000.00} worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. 

The initial charges in 2016, totaling {$580.00} over 18 charges that included spending in 4 states. 

XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX  {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX XXXX   {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX   {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX  XXXX XXXX XXXX XXXX {$35.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$170.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX   {$32.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX   {$33.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$71.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$5.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28 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: GA

Complaint narrative:
On or about XXXX XXXX EXPERIAN received a letter from me in which I asked for verification of alleged accounts on my credit report. EXPERIAN has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 
Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please refer to attachment for more detail. 

Sun, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX wrote to Executive Escalations XXXX : Good morning your free annual credit report requested XX/XX/18, dated XX/XX/18 was received by ordinary mail yesterday. Your failure to provide the required PIN, receipt delayed for more than 1 year remains dangerous and injurious to gainful employment. As related to the PIN please review and respectfully respond to the attached PIN audio request. 



The XX/XX/18 credit report contains 37 errors. These 37 errors will be shortly addressed for resolution to you. 



Please also find the 2 attached audio recordings of XXXX XXXX employees. Based on this and related referenced fact please confirm by return email TransUnion decision to cease reporting XXXX 's fraud as adverse. Should there be any question of these 2 recordings the XXXX confirming phone bill records are : Thank you for your immediate PIN by return email and your confirmed removal of the adverse XXXX account by return email.

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 2019-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I have a loan with Credit Acceptance, XXXX, Michigan, where I didn't even realize that I had a past due amount of {$2700.00} on a {$26000.00} car loan where my car was repossessed last night, XX/XX/2019, without any notification of via mail, email nor phone call. I spoke with an agent within the last thirty days notifying them of a change of address and no mention of repossession was mentioned. My account  number is 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 2019-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Charged my Account for insurance that was not needed on a XXXX. Policy XXXX & XXXX for XXXX and XXXX. In XXXX Wells Fargo notified me that I did not have insurance. I sent them the information that I did have insurance. I would call them to confirm that they received and they the documents and they would varying explanations such as 1 ) We didn't get it 2 ) Oh we got it but its for the wrong dates 3 ) Oh that was sent to the wrong fax number, that goes to another department let me give you the correct one 4 ) We got it we will make the adjustments. This went on for two years and I felt like I was helpless to do anything. I escalated to a Supervisor over the issue but nothing was ever done. I was at the mercy of an invisible verification system that I was unable to see or confirm for myself. So I was paying inflated premiums for a Policy that I could not see or ever received any documentation of and paying my regular insurance. This is a travesty to charge thousands of Americans INFLATED Insurance rates. 

So now 6 years later Wells Fargo is asking for information that I sent them in XXXX. I do not have that car anymore or remember who my insurance agent was. It was either XXXX, XXXX or XXXX. I should not be responsible for calling insurance companies from 6 years ago and waiting on hold to send them information that I already sent them.

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 2019-07-28 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:
I have sent 4 certified letter to Experian asking to verify the following accounts XXXX {$730.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$150.00}, They have failed to send me proof of these accounts in the form of the original sign document but are stating Verified and Accurate, I don't know how or who verified these incorrect items on my consumer report, This is holding me back from buy house and car loan,

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 2019-07-28 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED A FTC REPORT AND IDENTIFYING INFORMATION TO HAVE THE ITEMS REMOVED FROM MY CONSUMER REPORTS.

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 2019-07-28 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: NC

Complaint narrative:
The XXXX XXXX XXXX ( XXXX  visa/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2019 I logged in to my bank account and saw {$3200.00} in my son 's XXXX XXXX bank account. ( I can see his accounts too ) XXXX is XXXX XXXX XXXX with a Campus Plus checking account. I called the bank once I got home out of traffic and discovered that some deposited and check and took out the money by someone who walked in the bank in California. First, my son is XXXX XXXX XXXX and we live in Texas. He also has very little money so he doesn't check his account on a daily basis. The last transaction he made was on XX/XX/2019 and a XXXX XXXX gas station in which he used his debit card number and a pin. He didn't realize his card was lost until the XXXX when I had the bank on the phone. Which is not uncommon for XXXX, considering he is a recent high school graduate and has very little money. While on the phone with customer service, she was trying to reach out to the bank. We also discovered that someone used his checking account and did the same thing in California at another branch. As soon as I saw this I called and reported this. From the beginning they accused me and my son of being dishonest. We did not have anything to do with this. I called and followed up and was finally told after I went into a branch that they are holding him responsible for the 2 transaction. First he is a minor. This is some kind of major crime scheme and we should not be held responsible for bringing a victim. The only mistake he made was losing his card. My son is devasated and so am I. I have established accounts with the bank. I have a savings, checking, a loan and a IRA with the bank. We dont have any reason or purpose to try and do something like this. I had to close all my accounts today to avoid any fees in my account. I am very upset and feel personally attacked by my own bank. Again, we live in Texas and we have not been to California. My son nor I should be held responsible for this. Furthermore, they allowed the checks to be deposited and and withdrawn from a student account with {$8.00} in it and a savings account with XXXX in it. We filed a police report and plan to or consulting an attorney. My son is a victim of fraud and identity fraud. He is only XXXX XXXX XXXX and he has been distraught over this whole ordeal. I believe he is a victim of skimming. Since he used his pin they got it when he pumped his gas. He accidently left his card and they were able to use his information. Again XXXX is a young man heading to college. We are good citizens and are not involved in this. I am hoping to get this matter taken care of before XXXX leaves for school. I will not be held responsible and we will continue to fight this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED A FTC REPORT AND IDENTIFYING INFORMATION TO HAVE THE ITEMS REMOVED FROM MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OK

Complaint narrative:
The collection that AFNI is trying to collect is {$250.00} and the original creditor is 11 XXXX XXXX. Previously this month thus collection was disputed by the original creditor and it was dismissed from my credit report only to reappear weeks later as an AFNI collection. I would like this removed as well as I didnt own the original debt so therefore do not own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I was defrauded by a scammer when I transferred money through bank of America 's mobile app & a link to making a XXXX transfer. BOA hasn't addressed it I transferred {$400.00} to a XXXX  user on XX/XX/2019 to purchase their advertised tickets to a XXXX XXXX   final game. Bank of America promotes XXXX on it's mobile app, listing Transfer/XXXX  next to accounts and bill pay options. Yet when I was defrauded using XXXX, bank of America has not refunded the money and has not satisifcatorily attempted to recover the funds from the scam artist 's bank which is apparent XXXX XXXX XXXX. A friend of mine was scammed in a similar way but he has already been reimbursed the XXXX dollars he spent, he received the refund on XX/XX/XXXX. I called bank of America again yesterday and they indicated that on XX/XX/XXXX my claim had been dismissed as " customer being liable. '' However, there is no evidence that they reached out to XXXX XXXX XXXX  at all. I have been a Bank of American customer for XXXX years and they are now promoted the use of XXXX for transferring money but when their customers are ripped off they do not adequately investigate or seem to feel any obligation to their customers. I am very concerned that I will never get my XXXX dollars back, mainly because Bank of America is not protecting their own clients and instead are knowlingly opening their customers up to XXXX scams.

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 2019-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I closed this account in XX/XX/XXXX after multiple calls about billing issues that happened the previous couple of months. On XX/XX/XXXX I spent over an hour and a half on the phone with them disputing a XXXX install fee for an installation that didnt happen and they just kept telling me I had to pay it. Then preceded to tell me that if I had telephone service I didnt need the internet but if I had internet I had to have telephone service and when I questioned that the agent said I supposedly called in on XX/XX/XXXX at XXXX and canceled my phone and when I asked what time did I call in and cancel my internet service he said there system didnt have a time stamp and when I repeated what he previously told me he said there system didnt have a date stamp. I asked to speak to his supervisor and when he got on the line I asked about the calls being recorded and told him if he went back to an hour and fifteen minutes he would hear the two conflicting stories the agent told me. He said ok then hung up on me. I called back and I let the first agent I spoke to know what happened and how upset I was about she transferred me to a agent named XXXX I explained all the issues I had with them and she said went ahead and closed the account and put credit on there to cover the install fee and the penalty fees for early termination so I didnt owe them anything. I received the final bills showing the credits and a XXXX balance. I thought it was all taken care of continued to receive junk mail from them saying they wanted me to come back. Then I received a collection letter from the first company in XX/XX/XXXX saying I owed XXXX  {$750.00} I called them and they said XXXX  closed my account in XX/XX/XXXX due to non payment I disputed it with them and called XXXX  directly and disputed it they couldnt tell me where the charges came from but I had to pay it. Then I received another collection letter from a different company in XX/XX/XXXX this time saying I owed XXXX  {$520.00} and they closed the account in XX/XX/XXXX I disputed it again. Then in XX/XX/XXXX I received another letter from a third collection company saying I owed XXXX  {$350.00} I called them and they said XXXX  close sed my account in XX/XX/XXXXand I told them this is the third company and I have disputed it each time and they keep changing the amount owed and now when they closed the account I paid the final bill minus the XXXX install fee and the agent put enough credit on my account to cover that and the early termination fees so I didnt owe them anything

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 2019-07-28 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies namely -- - XXXX, XXXX, XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies namely -- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2019-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I did not authorize anyone employed by these companies namely -- XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2019-07-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I stopped using my american express card 4 months ago and american express actually you owed me money {$210.00} which paid back and they still owe me cash back money. Today I get a balance for {$3600.00} under " adjustments '' so I called amex and they could not give me an explanation of what those adjustments were coming from so they gave me a reference ID number XXXX and that it will take up to weeks to resolve this investigation. I have not used this card in 4 months, where are these adjustments coming from? 6 to 8 weeks to resolve what? unacceptable.

Company response to consumer: Closed with monetary relief