vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I will like to file a complaint against Navy Federal Credit Union. They closed all my checking account and credit cards due to me signing my grandparents up for a new account using my phone. I am unable to use my account or access my credit cards. They closed my account without any knowledge. I tried to fix this problem over and over again. They are expecting me to payback these credit card without be able to use them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Attempting to collect invalid debt that is unverified. Calling multiple times a day after asked to be put on a DNC list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used my debit card to reserve a hotel booking for XX/XX/2020. Hotel instructions, says that the card is used to reserve the room and will be charged when I book in on XX/XX/XXXX. I have been calling the hotel from XX/XX/XXXX to cancel the reservation due to the Corona Virus and the fear of taking my family overseas. Neither the hotel nor the XXXX booking company have been responsive. On XX/XX/2020 I went to the bank, Wells Fargo, to advised them not to pay the hotel. Wells Fargo, advised me to cancel the debit card so that the hotel can not charge it and they issued me a new card. On XX/XX/2020 I got an alert that the hotel attempted to charge {$1500.00} to the cancelled debit card. I went to the Wells Fargo bank on XX/XX/2020 and they told me that the transaction is pending and I do not have access to the money. I asked them how could they process transaction against a cancelled card and they had no answer. Wells Fargo is about to withdraw funds from a debit card that they have closed. How do I get my money back from Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-03-17 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: TN

Complaint narrative:
To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance XXXX - Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.

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 2020-03-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter.

B ) a recorded phone call.

C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Finance XXXX - Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Service XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.

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 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
This home was purchased in XX/XX/XXXX. The mortgage company paid the tax authority taxes dated XX/XX/XXXX-XX/XX/XXXXin the period where I did not own the property. 
When the property was purchased the closing company cleared all taxes and verified that this property did not owe any taxes. Furthermore, I never received notice about these bad taxes from XX/XX/XXXX-XX/XX/XXXX. 
The mortgage company paid these taxes without letting me know and know they have included almost 14000 worth of taxes into the escrow account and they are making me pay for taxes that are not even form the time I have owned the property. 
I have contacted them since XX/XX/XXXX over five times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: I.C. System, Inc.
State: ND

Complaint narrative:
XXXX sent a notice to IC Systems to collect payment from me. IC Systems notified me that they will have to report to consumer report on XX/XX/20. The date of call was XX/XX/20. I explained to IC Systems that I never had active service with XXXX and I asked them to look at the system as this is easy to verify. IC Systems verified with me that I used 0 mins, 0 gb of data, and 0 inbound/outbound, from the creation of this account. I was sent 2 sims that never worked back in XXXX, the day after I received the sims, I contacted XXXX to let me know that the service didnt work in my area. I was told on that day that I would receive a {$0.00} balance on this account and it would be closed because I never actually used the service. Now 2 months later Im being threatened and seemingly pressured into paying for something I obviously never used. I will attach pictures with this complaint. Please notice the dates as XXXX seemingly has a policy in place to create unfair billing practices. They obviously dont abide by their own dispute policy as well.

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 2020-03-17 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: ERC
State: NJ

Complaint narrative:
Was saying I owe XXXX {$580.00} dollars for a phone bill I never had

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from Toyota motor credit and XXXX  XXXX none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: NV

Complaint narrative:
I notice multiple accounts showing on my credit report that I never opened nor authorized

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 2020-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from XXXX XXXX  XXXX and TD target none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TX

Complaint narrative:
I have tried to freeze my Sagestream account with no success. I have followed all of their online guidelines and called, left 2 messages, and sent 2 letters certified mail requesting a security freeze but have not gotten a response back. It has been 4 months,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since the end of XX/XX/2020, I have not be able to do disputes online due to an error that states : " We're experiencing technical difficulties and can not access your report at this time. '' I was able to last complete an online dispute earlier in XXXX but now, whenever I try, I get this message. I have attempted to address this issue over the phone and have even requested to have the issue escalated and the issue has not been addressed. 
My last dispute was with the account : XXXX XXXX the balance is still not correct.

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 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
The debt collector keeps removing this account then putting it back on. Now they have listed the same item twice on my XXXX  bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
HIPAA Transworld Systems Inc ... .I did not give authorization, written or verbal to have my PHI shared with anyone. Transworld Systems Inc needs to provide a copy of written authorization that releases my PHI to them. If they recieved an electronic transfer of my ePHI they need to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. 
I have also submitted an affidavit to Transworld Systems Inc ( Copy attached ). 
Alleged Accounts XXXX**** {$220.00} XXXX**** {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Netspend Corporation
State: PA

Complaint narrative:
Today is XXXX XXXX and for the last 5 months or longer I have charged a {$20.00} overdraft fee by net spend for every transaction above my limit {$10.00} overdraft fee limit. I have tried to resolve this being that this has to come out of social security checks and I can not afford that overdraft fee. Not just because of what the overdraft fee cost because I never spend at most {$40.00} over. But this month I went by {$30.00} and I now owe them {$100.00} for items that only cost {$10.00} to purchase. I have ask them to send me my statement thru the mail and they still haven't done. My mobile account I am always locked out and I knowthat I am not wastful with money. Net Spend has always an excuse for why they over draft fees are so high. I thought that this is another case of price gauging, but that would up to you. my email ; XXXX. I just bought the house I live in so I would appreciate if someone could understand my complaiant. Thank 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 2020-03-17 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: AR

Complaint narrative:
I recently over the past 60 days have contacted Experian through direct mail and phone about several accounts reporting on my consumer credit file that were established without my knowledge and or consent. I recently received a copy of my credit report from Experian which stated nothing more than it was just a copy of my credit report. I also took the initiative to file an identity theft report which included some of the fraudulent accounts in question as well as the fraudulent addresses. Experian has failed to provide a reasonable investigation within the 30 day time frame allotted per the Fair Credit Reporting Act which is a violation of my consumer rights. In addition unlike XXXX  and XXXX, Experian has failed to provide a block within 4 days of being notified by a consumer who's been a victim of identity theft. Experian has had more than enough time to complete an investigation but continues to violate my rights as a consumer by continuing to report the fraudulent accounts to my credit file. I find this totally unacceptable and Experian should be held liable.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter to Southwest Credit Systems in XXXX, Tx certified mail, regarding a collection item appearing on my credit report inaccurately. I requested for Southwest Credit Systems to validate the debt is mine by showing me competent evidence bearing my signature, showing that I have some Contractual Obligation to pay them. They never sent me anything evidence of anything bearing my signature. Southwest Credit Systems is in violation of the FCRA & FDCPA, due to the fact they did not validate the debt belongs to me, bearing my signature. Southwest Credit Systems have not deleted the entry of this item from all Credit Reporting Agencies. Southwest Credit Systems continue to falsely report inaccurate information on my credit report pursuant to the Fair Debt Collections Practice Act and the Fair Debt Credit Reporting Act, along with corresponding local state laws. 

The public should be made aware of the unethical and illegal business practices of this company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank customer service kept contradicting themselves while advertising a {$500.00} new client offer, then I wasted like 15 hours ( records ) trying to get the problem fixed but they still kept contradicting themselves and won't even let me withdraw in a reasonable and XXXX compliant manner, the same manner I deposited into it.

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