vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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 an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious 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 non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was alerted of an delinquent account was on my credit report on Experian and saw XXXX XXXX has reported a XXXX bill. I contacted the fraud department and was instructed to file a police report and include the last 4 digits of the account numbers the representative named XXXX gave me. I was told to email the police report and my ID to XXXX I then called them and I was told by a representative XXXX  I was unable to dispute the account at this time and I would be held financial responsible. I asked her well who said that she said she was unable to tell me. She said there was no one else I could speak to her contact.

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 2020-03-06 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: FL

Complaint narrative:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

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 2020-03-06 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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

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 2020-03-06 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: CA

Complaint narrative:
Contacted FICO/Experian/XXXX  numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior  months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi today ( XX/XX/XXXX ) I called TD bank because I had an overdraft Balance of {$680.00} out of which 82 % was overdraft fees ( {$560.00} ) when I called to try to get some of the overdraft fees removed, they declined it. I asked to speak to a manager and she also declined my request. 

When I asked why I was charged my first overdraft fee of {$70.00}, I figured I was victim of balance misrepresentation. 

On XX/XX/XXXX I was charged a overdraft fee of {$70.00} for over-drafting my account to - {$6.00}. However, my balance was showing {$240.00} positive and it didnt show un posted transaction which still totaled up under {$240.00} because some of them were charged after XX/XX/XXXX when the first overdraft has already occurred. XXXX the manager had told me it was due to pending transactions not shown on my account which led me to believe I had a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: FL

Complaint narrative:
I am writing to complain about XXXX XXXX and XXXX  Credit Bureau. XXXX XXXX sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. Experian has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an  XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the truck was destroyed. I had paid for the 2290 Form and could not get my money back

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 2020-03-06 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: FL

Complaint narrative:
I am writing to complain about XXXX XXXX and Experian Credit Bureau. XXXX XXXX sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. Experian has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the truck was destroyed. I had paid for the 2290 Form and could not get my money back

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 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have made numerous calls to the customer service phone number and visited a branch with no resolution. I am making extra payments and they are not applying them to principle but rather putting them to future payments. The billing is then thrown off showing no payment required. I want amount in excess of monthly payment put toward principal. I have conveyed this several times to 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 non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Preparing my taxes I discovered a XX/XX/XXXX payment of {$390.00} from my Escrow account for " Windstorm Ins Paid. '' Further investigation I found a XX/XX/XXXX payment for {$580.00} scheduled to pay for " Wind coverage. '' I don't live in a Wind Zone that requires Wind Insurance. Fay Servicing twice opened up insurance investigations and twice came back with, " Case closed, we just paid what XXXX XXXX billed us. '' But XXXX XXXX insists that they have not billed for, nor collected, any premiums to cover me for Wind Insurance. I have requested copies of these bills and Fay has not produced them. 
Supposedly there is a 3rd investigation open and the {$390.00} check has been requested from some 3rd party that does their checks. 
I keep getting told to " Call back in a few days '', or " Call back next week. '' I've made 15 phone calls over 5 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NY

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.

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 2020-03-06 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: VA

Complaint narrative:
I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX  XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: VA

Complaint narrative:
I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}

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 non-monetary relief
Consumer complaint received 2020-03-06 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: NV

Complaint narrative:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NV

Complaint narrative:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

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 2020-03-06 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
In response to complaint XXXX : Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. this has been going on for 6 months. I submitted the documents that suitable to verify my identity. 
by certified mail certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure to continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me this will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. 

Northing in the FCRA says I must submit online and I will not be using online means to facilitate my 2 requests. 
I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy 4th and final request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus XXXX, XXXX, Trans Union all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus Equifax, XXXX, XXXX XXXX all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I had 4 accounts with TD Bank. 2 were business and 2 were personal, with credit and debit for each. 48 hours after I made an early payment on the personal credit card that was in perfectly good standing, thousands of dollars away from my credit limit, my card was declined. I called to inquire only to find out that they had reportedly thought I was deceased. This is nonsense since I had 4 accounts and only one was closed. I called numerous times about the problem, was advised to go to the branch, which I did, but never received any sort of reasonable answer. They told me repeatedly that they would be in touch within 5-7 days. They said that several times before sending the account, the account that was in perfectly good standing, never late, to debt collections. I spent many hard years building my credit so this is an assault on my entire person. I was flabbergasted when I got a letter from a collection agency. However, I settled the debt with the collection agency in order to move on with my life. Within 48 hours of settling this debt, TD had miraculously REACTIVATED the card that they had heretofore refused to even discuss with me, and I only noticed because an automatic payment from XXXX that I had forgotten to switch to a new card all of a sudden went through. Now, I was able to log in to the TD account that I thought was settled. They had refused to give me an answer as to why one account and not the others was canceled, they had refused to correct the mistake, they sent the account that was in good standing to collections, then after I paid collections they turned the account back on. I feel like I am going crazy, but I have proof of everything. On my way to the branch now, almost two months after this began. There is no happy ending because I am still dealing with this. I watched them physically shred my card and now I am attaching evidence that my card was reactivated after being settled, shredded, and supposedly cancelled with the rest of my accounts, all while it was in good standing. Then after settling with collections, they pretended nothing had happened and turned the card back on, with my account showing late fees and the same nearly almost {$10000.00} balance I had settled. That's called fraud where I come from, which incidentally is the same planet on which TD is based.

Company response to consumer: Closed with non-monetary relief