vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: SD

Complaint narrative:
Once again, I'm not able to get in contact with equifax about getting my online account unblocked. I can't get a hold of them due to the hold time etc. It seems the other credit bureaus are much easier to work with myself and get a hold of. I sent a complaint # # XXXX a while ago and it was resolved on XX/XX/XXXX. According to them, I needed to send in a package showing two forms of identification including my social security and letter of instruction on what I'm requesting. I provided them with the information they requested back in XXXX. I haven't heard back from them nor have I been able to get into my account online. When I try to reset it online, I'm getting an error message that I have the incorrect information. All I'm requesting from them is to reset/unblock my account online so I can have full access that way I can either remove or add the security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Payed my bill in full XX/XX/XXXX and Capital One is charging me a {$35.00} fee for interest for XX/XX/XXXX. I called and talked to a manger and he said they were charging interest on past charges. There were no charges for XX/XX/XXXX through XX/XX/XXXX. To That should not equal {$35.00}. I intend to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have submitted several letters to the XXXX, Transunion, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX   and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They refuse to remove erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My XXXX year old father who has a XXXX XXXX of XXXX began to complain that his step daughter maximized the spending on all of his credit cards and withdrawing funds from his checking account.. There was {$65000.00} spent from his account from XX/XX/XXXX to XX/XX/XXXX. His prior spending habits had been to withdraw {$400.00} or {$500.00} each month for groceries as all of his bills were deducted electronically. While in a XXXX center, he convinced me to contact Bank of America. We would learn that my father 's step-daughter had opened a debit card in her name under his long standing checking account.. There was no need for her, or anyone to have a debit card under his account. My father advised BOA that he never authorized her to be on the account. When we asked to be provided with the documentation that showed how she was added to the account, we were denied. I changed my father 's address and received a letter from BOA requesting that he remove his name from his checking account and give his step-daughter complete ownership. We requested an investigation from the fraud department and was advised that it wasn't fraud because his step-daughter was an authorized owner on the account. Finally during a three way call between he, BOA and I we were advised that there was an investigation and that there was no fraudulent activity found. We were told that there was nothing that my father could do. We were told that the only way that I could speak on my father 's behalf without him would be if I obtained " POA ''. which I did. I was even told from a representative in North Carolina at the Headquarters that my father 's step-daughter was spending his Social Security and Pension. She even contacted Adult Protective Services. I even contacted the local branch where I was advised by the manager that I could bring the POA documents to them and then I would have access to the account. I scheduled and appointment and did so. Once there, I was advised that " all of a sudden '' there is a major investigation of fraud on the account and the funds are frozen and I could not have access to his account.. My father does not even have access to his own money, including his pension, and social security.. He will be discharged from the XXXX  center on Monday, XX/XX/XXXX without access to his money, needed to pay for his care. My father has the legal right to be provided an update on the status of his checking account.

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 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND FUNDING IS ERRONEOUSLY REPORTING A COLLECTION FROM XXXX XXXX  -NEVER BANKED WITH, ON CREDIT REPORT TO ALL 3 BUREAUS FOR XXXX. NUMEROUS ATTEMPTS TO REQUEST VALIDATION OF THIS DEBT WENT IGNORED, MIDLAND NEVER RESPONDED AND XXXX XXXX THE ORIGINAL CREDITOR STATED THEY HAD NO NO NO RECORD OF THIS ACCOUNT UNDER XXXX XXXX NAME AND SS # THIS IS ILLEGAL AND MIDLAND SHOULD NOT BE ALLOWED TO HARASS AND OBUSE CONSUMERS THIS WAY ... MIDLAND FUNDING Account number XXXX .... 
Recent balance {$7700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: V.I.P. MORTGAGE, INC.
State: TX

Complaint narrative:
XX/XX/2020 we put a contract in on a house and put ours up for sale XXXX XXXX  with V.I.P mortgage gave us an approval letter so we put our home on the market. We give XXXX the sellers net sheet so he knows what hes working with he looks at it and says we are good to go. A couple weeks go by stuff changes with the sellers net sheet. I call him to give him an update he acknowledges says we are good. Another week goes by and I try to contact him again XXXX will not respond to calls or texts from me my realtor or the sales agent for the new home. He will not give us any documentation as to what funds we need to close etc and we tried for weeks to get them with no response. I try calling the office and his assistant XXXX XXXX says my question needs to be answered by XXXX and to give him a call. Finally we get a response from XXXX saying that he does not want to take my loan because hes tired of the texts and calls.. if he wouldve responded to us we wouldnt have been calling him. I have a family to worry about I needed answers especially since our home was already sold and we got the run around from him. He then lies to his company and said I wanted to go with another lender and that was a lie. He also told us the appraisal was ordered but when I talked to the va they told me it was never ordered. Of course we were forced to go with another lender so now we are not on track to close and unfortunately I have to move out of my home for a week before I can even move into my new home

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo opened a bank account in my name to meet quota I never have stepped foot in Wells Fargo bank they need to delete all accounts under my social security number

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 2020-05-27 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: MS

Complaint narrative:
I have reached out to XXXX, XXXX  and equifax to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: MS

Complaint narrative:
I have reached out to XXXX, experian and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid my full balance on my Citibank card on XX/XX/XXXX {$1700.00}. I was contacted by then that I still incurred a late fee. So I paid this on XX/XX/XXXX. My account was closed and I was assured by them that it would close my account. I no longer had access to online banking. Much to my dismay I kept incurring late fees. Up to {$67.00}. The only way I knew about this was they sent a text message. I received no mail notification. They refused to reverse any of these fees. I paid the full balance again today but they could not reassure me that I still would not incur late fees. I am going through a Mortgage selling and purchasing and they would not report me for late payments to the credit bureaus. I spoke to XXXX people including the escallation team. None would help 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 2020-05-27 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: CT

Complaint narrative:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX  XXXX  Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: WI

Complaint narrative:
The information reported was not authorized by me to be added to the account. I have sent letters requesting the deletion of unverified accounts multiple times. The first letter was denied with no problem with verifying my identity. However, the company is now refusing to delete said information based on identity confirmation.

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 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
LOANMART IS REPORTING A PAST DUE COLLECTION ACCOUNT ON CREDIT REPORT FOR {$13000.00} ... I DO NOT RECALL OBTAINING A LOAN FROM THEM IN XXXX FOR THIS AMOUNT. ATTEMPTS TO REQUEST VALIDATE OF THIS ACCOUNT CAME BACK WITH A WRITTEN STATEMENT FROM LOANMART STATING THEY " ARE UNABLE TO LOCATE YOUR FILE ... '' IF THEY CAN'T LOCATE THE FILE THEY SHOULD NOT BE REPORTING IT ON CREDIT AND SHOULD NOT BE AGRESSIVELY ATTEMPTING TO COLLECT DEBT ... 800 LOANMART  Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 I charged several food items bought at Walmart on my Capital One credit card. The total was {$24.00}. Two packages of beef liver at {$2.00} each subtotaled {$4.00}. Unfortunately, the meat was rancid. The merchant ; s refund policy was, because of the XXXX Virus, not to return items to the store but to file a claim with the credit card company. I have tried to do so repeatedly without being able to do so. First, Capital One does not allow disputes to be made at one 's account online. Instructions are to call customer service refunds at XXXX. For several weeks I have attempted to do so, but each time a recording at Capital One says that the wait will be more than an hour. It makes no provision for it to call me back, as most companies do when there are long wait-times. Obviously, Capital One is intentionally preventing the public from disputing purchases in any way whatsoever..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: CT

Complaint narrative:
I received correspondence from TransUnion that the inquiries that was recently disputed is not placed on my credit report. However, after obtaining a copy of my report the inquires remain the same. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified TransUnion of this and it is TransUnion who should make these changes by removing the inquiries : XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX DEPT OF ED Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX   XXXX XXXX XXXX XXXX, 01 XXXX, 09 XXXX XXXX, 10 XXXX XXXX, 10 XXXX XXXX XXXX XXXX, 11 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 Company Inquiries 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 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX    XXXX XXXX XXXX XXXX, 01 XXXX, 09 XXXX XXXX, 10 XXXX XXXX, 10 XXXX XXXX XXXX XXXX, 11 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 Company Inquiries 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 2020-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries 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

Company response to consumer: Closed with explanation