vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts are not belong to me. They were opened like a fraud and must be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is being made against Experian on XX/XX/19. 

I got an email from Experian that alerted me to two hard credit inquiries that were not made by me. Their website clearly indicates that I can not make a dispute for inquiries online, and  directs me to call XXXX. Upon calling this ( and multiple other numbers listed as Experian customer service ), an automated menu walks me through a few basic menus that do not include any options to start a dispute, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how ridiculous this is, particularly since Experian is dealing with important information like personal credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I moved from an apartment complex by the name of XXXX XXXX XXXX. The housing complex absorbed my deposit which was around {$1400.00} and the debt was written off by the original creditor. I was contacted countless times by National Credit Systems Inc.the collection agency that I have to block them. I was surprised for them to still be able to call me just using another line of sorts. I was informed I could write a letter to have them cease communication with me in regards to the collection. I disputed the collection which in the amount of {$3000.00} with both the collection agency and the credit bureaus ( debt was opened listed XX/XX/XXXX ). I've written multiple dispute letters and none of the agencies can provide validation letters of the debt proving them amount owed or if it's even my debt. The collection agency forwarded me only a copy of a lease with what I assume are supposed to be my initials, but there isn't a clear signature. I keep asking for this debt to be closed and removed off all credit bureaus or renting database so that I can acquire housing, but they refuse stating the debt is valid even though they can not prove the debt and amount is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
This is not my dept I have disputed this several times XXXX  is the only agency with this dept on my report and I want it deleted

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: VW Credit
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX. I have fallen victim, through no fault of my own, to the XXXX breach, and several other personal information breaches over the past decade. Resulting from this, there was an auto loan, or lease that was opened by an identity thief with Volkswagen Credit, using my credentials, and social security number, and defaulted upon. I have done everything in my power, since learning of the theft, more than a year ago, to get the creditor, Volkswagen Credit, to remove the fraudulently opened account from credit reporting. I have filed a report with the FTC, and also with my local police station, XXXX Police, here in XXXX, Massachusetts. I work at XXXX XXXX XXXX, in the XXXX XXXX sector, and the financial ramifications of this fraudulent credit reporting has destroyed not only my credit, but my ability to attain another job in the financial services sector. Further, I am an XXXX XXXX at XXXX College, pursuing an XXXX degree, and am unable to take out a federal student loan, as a result of this fraudulent reporting. 

The only information that shows up on my credit report about the fraudulently opened account is that it ends in XXXX, and the account status is listed as " CHARGE-OFF '', amount {$10000.00}, contact information is listed as, " VW CREDIT XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX ''. I have attempted to call that phone number, and it is not a working number. 

Please help me, I beg you. I have tried everything. I am happy to provide the police report to yourself and FTC report filed. This has gone far enough, I can not obtain financing to pay my student bill as a result. I can be reached on my mobile phone at ( XXXX ) XXXX, or via e-mail, at XXXX. If I miss your call, please leave a message. 

Thank you ever so much for your assistance, and attention to this very important, and pressing matter, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has my money on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I had a fraudulent charge in the amount of {$100000.00} on my credit card and the associated transaction fee of {$51.00} and interest charges of {$3.00}. I immediately contacted CitiCard, filed a dispute and cancelled that card. Citi sent me a new card. I never received a credit back on my next statement and so I contacted CitiCard and discovered the dispute never got filed. I then filed the dispute again and was assured it would be settled. I checked my online dispute page a week later at the Citi online site and it was not listed. I called again on XX/XX/XXXX and filed a 3rd time and gave them all of the information again. In the process I waited long periods on the telephone only to be disconnected when I asked for a supervisor. ( a rep by the name of XXXX was one of them that hung up on me. ) On the week of XX/XX/XXXX it still was not showing up in the dispute center but after a long wait, I was assured by a supervisor by the name of XXXX that it would be resolved shortly. She was the only person that was helpful throughout the process and spent a good amount of time calling the fraud department and called me back when they hung up on me. During this entire time I was never credited and have paid off the balance during the dispute and am carrying the interest charges. I have never seen a credit card company not issue you a temporary credit while the dispute is taking place but they have not done such after multiple requests. On XX/XX/XXXX, after waiting on the phone for 45 minutes I spoke with another representative as the dispute was not settled as promised the week before, but he gave me no firm information so I again asked for a supervisor. I tried to speak to a supervisor but XXXX informed me they were all too busy and would have to call me back. I have not received a call back. I would really like help resolving this matter as I have spent a ridiculous amount of time on what should be a relatively clear cut matter. I charge a tremendous amount on this credit card and have had very few disputes. I also have never had a cash advance via credit card. I would have liked to have resolved this directly with Citi but I have spent no less than 4 hours on the phone with this over a period of almost two months and still can't seem to get it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: NY

Complaint narrative:
The accounts are not belong to me. They were opened like a fraud and must be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts are not belong to me. They were opened like a fraud and must be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/2019 I was overcharged by a taxi for a fare of approximately 50 SGD that processed as {$390.00}. I was not provided with a receipt and I was unaware of the overcharge when the transaction was conducted. After reviewing my credit card statement, I filed a dispute for the transaction. However, the investigation concluded that no billing error occurred. I subsequently requested that the investigation be reopened and for more documentation detailing the results of the investigation, but I received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an Equifax Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX 's automated phone system never let me talk to a real person to report this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX  '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX  Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " XXXX XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX XXXX automated phone system never let me talk to a real person to report this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I received a phone call from Honda Financial Services from a customer service representative who basically read me my last rights on keeping the vehicle. I explained to her that Honda Financial disabled my account access preventing me from logging in to make electronic payments. This made the situation worse because they were not mailing me bill statements in order to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, I requested and obtained a copy of my Credit Report from Equifax in connection with my effort to respond to my identity theft that I first learned about on XX/XX/2019. When I reviewed the report, I noted several factual errors related to my credit history as follows : ( 1 ) Under the heading of " Other Accounts '' and the subheading of " Closed Accounts, '' I discovered a XXXX XXXX account that I had no knowledge of, ( 2 ) Under the heading of " Inquiries '' and the subheading of " Inquiries that may impact your credit rating, '' I discovered two unauthorized inquiries on the same date ( XX/XX/2019 ) by two cellular services providers, i.e., XXXX XXXX and XXXX XXXX XXXX, that I had no knowledge of, ( 3 ) Under the heading " Negative Accounts '' and the subheading " Closed Accounts, '' I discovered details of a XXXX XXXX account that I had no knowledge of, and ( 4 )  Under the heading " Personal Information '' and the subheading " Address Information, '' I found a former address that I had no knowledge of, i.e., XXXX XXXX XXXX, XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with American Honda Finance. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and AHF that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: IN

Complaint narrative:
After reviewing a credit report issued by you, I have found many errors. 

Specifically, these errors are in the Personal Information section. I am seriously concerned about identity fraud and feel that having inaccurate information on any credit report can become an opportunity to open me up to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The following is the only address that should be listed on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX The ONLY Information that should show on my credit report is, as follows : ( Please delete all information that does not ) : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Previous/Past address : none Employer : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
On XX/XX/2019, I called XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX ) to find out my PO, as I paid on time for 2 years with no issue. The rep on the line advised me my PO was over {$1400.00}. I asked how is this possible when I just spoke with a woman less than a month ago there who advised me it was under {$200.00} left which is a huge difference. The rep then put a co manager on the line by the name of XXXX. I explained that I was confused and that I'd just spoken with someone who had given me drastically different information. I explained none of the reps I recently spoke with made no mention or warning about closing the small balance by a deadline. I never directed any of my panic or confusion towards him as I, myself, am in customer service for a living. He instantly got disrespectful and irate as if my problem offended him. He was extremely rude, belligerent, and used a plethora of slang and nearly curse words towards me. He even told me I need to " shut up '' and threatened me. He said that he would reverse the balloon interest that occurred because it had only been 5 days. He told me to hold on to take care of it and then transferred me to a man named XXXX. XXXX advised he was the manager and that he was " not helping me ''. I told him what the manager prior had just promised to put me on hold to take care of it so that I may pay my shortage and that I was not sure why or how he got on the line, given he wasn't saying anything. He said he did not care, that he was not helping me and did not care about what XXXX had just stated to me. I asked were the calls monitored and recorded and he told me they are not. Each question I then asked, his only reply was " I'm hanging up ... ''. I called a different Tower Loan location upset to my core and crying as {$1400.00} is not affordable especially after he promised to fix it and that it was resolvable. The location I called advised me that this store heavily gets complained on about the disrespectful managers and that the calls are indeed recorded and that I had been lied to by XXXX. I even called back to get corporate information and was denied any contact 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 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
About 5 days ago I got an agent on the phone that said he was with American Express. He started asking me for personal information and I told him I wasn't interested with American Express. He kept trying to get personal information and I told him I don't have to give it to him because I'm not interested. He said no problem. XX/XX/19 I received 11 different envelopes for me to fill out to join American Express. I was so angry.. I talked to a Rep today and she said to give this information to you and you would be able to help to clear up this situation. I had no idea people trying to get people to join could be so ruthless! I hope this story helps someone else.

Company response to consumer: Closed with explanation