vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: MT

Complaint narrative:
XX/XX/2020 Receiving emails stating they have found accounts that they would like to add to the existing contract. 
When I reply back to customer service they have told me these things keep coming up on my file. 
The thing is the account or accounts they claim they keep finding don't show up on my files on my end, in any of the credit reporting agencies and I have all of them including XXXX. So where do they get the information the consumer does not have access to? 

So I ask and they respond with some sort of account number in some collections dept. 

So I respond back and then they send me an email sounding like it may belong to someone else. 
this is very disturbing. 
In the mail, they keep suggesting they can offer some sort of loan to cover the funding of the debts but again the confusion is how do they expect to negotiate a debt when they claim they don't have proper account info after it has gone to collections so they lead me to believe they can finance the whole operation through a third party they call a sister company. 
With the constant misleading and confusion, I am lead to believe something fishy is going on with the company. Maybe it the result of the recent lockdown and no one is actually doing anything but sending scripted autoresponders to address the issues but who the XXXX knows

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts on the list bellow are fraud some one used my personal documents and open the accounts on the list that accounts not belongs to me this is a fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2020-06-02 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 — Investigation took more than 30 days
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
on XX/XX/2020 I sent out a request for the Collection agency to provide me with validation of date. I told them to include a copy of the judgement in writing, complete accounting of debt which includes loan amount, payments, interest, and any fees associated with the loan. I also requested that they provide me with the original contracts with signatures.If not provided to me then I am requesting deletion for violation of the FDPCA. On XX/XX/2020, I received a notice from ERC stating that they provided me with requested documents. Upon receipt I noticed that they actually did not send what was requested and are using stall tatics instead if providing what I asked of them. I do not believe I owe them anything, especially if I cant be provided what are my debt is reporting to the bureau. Please assist I have attached all documents for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting false imformation on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.

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 2020-06-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX  XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX  XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.

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 2020-06-02 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:
I can not use pnc debit card with XXXX. Where ive invested all my money! Absolutely absurd I want my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a loan with XXXX today XX/XX/20 and I was not approved because there are 4 accounts in negative standing appearing on my credit. I was not aware these accounts were on my credit report before today because I did not open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX/XXXX. I don't know why these accounts are on my credit or who they belong to but I have never allowed anyone to open these accounts on my behalf using my personal information. I did not benefit anything such as money, goods, services or any other benefit from these accounts and I did not make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a loan with XXXX today XX/XX/20 and I was not approved because there are 4 accounts in negative standing appearing on my credit. I was not aware these accounts were on my credit report before today because I did not open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX/XXXX. I don't know why these accounts are on my credit or who they belong to but I have never allowed anyone to open these accounts on my behalf using my personal information. I did not benefit anything such as money, goods, services or any other benefit from these accounts and I did not make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contact Trans Union on XX/XX/2020 to dispute an account which i don't recognized on my credit report, Trans Union told me they will do so, I got a letter on XX/XX/2020 file number : XXXX that this account is deleted, but when i checked with Trans Union on XX/XX/2020 the representative : ( Name : XXXX XXXX ) told me that she is not sure why its still reporting this account, because based on their information the results should be deleted, and she can't understand why its still reporting, and representative was also not sure which XXXX XXXX account i'm referring and first told me a different account was deleted, when i advised her that she is not referring to the right account she told me she is not sure what happened her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
This is against Direct Express. They are not crediting me back refunds that companies have put through for me. I am owed nearly XXXX dollars between 4 transactions. They need to allow refunds to post to the card. I have the id numbers of the transactions I'm speaking of. I want my money back. 
Auth code for XXXX cancelled purchase XXXX XXXX Auth code for conditioner. At XXXX I returned XXXX XXXX Transaction id for XXXX it designs shirt XXXX And XXXX who just put through for a credit to my account on Friday XX/XX/2020. For XXXX. They have tried twice and it is never credited to my card I'm sure I can get the XXXX auth code if needed. This is all the proof I have repeatedly been calling to give them. Everytime I'm hung up on. Other times I'm on hold for an hour and then call ends. I never get a person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am a XXXX XXXX full time working part time per diem in my field during the Covid 19 pandemic I learned I could contact my finance company Westlake financial to request some form of leniency to reduce the monthly payment without any additional financial consequence when I accessed my loan online I noticed excessive late fees and NSF fees on my account I have made on time payments since I purchased the vehicle in XXXX those fees are incorrect and bogus. Additionally I noticed I have paid over double the original cost of the car over the last two years I have paid over XXXX XXXX Dollars and my loan end in XXXX which means I would have paid another over XXXX XXXX dollars a total of over {$23000.00} the original price of the vehicle was {$16000.00} by XXXX I would have paid over {$6000.00} in interest and other fees I now understand I should have been offered GAP insurance which I was not told about I do not feel the dealership was honest with me about what I was signing. When I attempted to dispute these late fee and nsf fees I was told my dispute is not valid I was spoken to very rude abrasive and unprofessional I was I feel taken complete advantage of this was my first time financing a vehicle I was alone and was at the mercy of the sales people at the dealership completely unaware with no first hand knowledge I trusted the people I was dealing with to be honest ethical and professional I am work in the medical field I help to save lives not destroy them. I feel I was XXXX  XXXX of my hard earned money I could have used to pay for college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank sent the card to wrong address, it was there error. I couldn't get them to mail me the card caused me to miss 6 weeks, {$6000.00} In unemployment. Was brutal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I logged onto my XXXX account since it had been taken over from MB Financial via a merger and I was surprised to see at total of {$39.00} deducted as a monthly fee of {$3.00} over the past 13 months. I am surprised because my original agreement with MB Financial for this XXXX included a guarantee of no monthly service fees ( that is, it was a free account ). 5/3 bank never informed me that they were going to charge this fee, nor did then even send me monthly statements showing that they were taking this fee from my account. This is suppose to be money set aside for health care or a medical emergency, and 5/3 is slowly depleting it without my consent. I would like this fee refunded. I do not believe it is acceptable practice for a bank to start charging fees on an previously free account without obtaining informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted XXXX  and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The accounts on the list bellow are fraud some one used my personal documents and open the accounts on the list that accounts not belongs to me this is a fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts on the list bellow are fraud some one used my personal documents and open the accounts on the list that accounts not belongs to me this is a fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management agreed to remove an account from my credit reports in XX/XX/2020. The old XXXX tradeline has yet to be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Investigation took more than 30 days
Company: Conn's, Inc.
State: LA

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2020-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems XXXX XXXX XXXX This debt was dismissed during a court case in 2018. 
XXXX XXXX is no longer responsible for the debt. I was never involved in the court case nor was I contacted. I was a cosigner on this apartment and wasn't notified about anything until the collection agency started contacting me. This should have never been reported on my credit file/ I'm still being contacted by the collection company who's have a really bad attitude towards me for trying to resolve this issue. I attempted to resolved this issue with this company who never tried to listen they only wanted payment.

Company response to consumer: Closed with explanation