vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Someone open an account under my name and I went in store and they told me to file a dispute and i did and its very upsetting Because a creditor not supposed to either sell or put fraudulent account on anybody credit and XXXX did that to me and I want everybody to XXXX XXXX is the worse company and I will talk to my lawyer until they remove all fraudulent account from my account because they havent sent me proof that I sign any paper with my name because I never had XXXX they will hear from my lawyer very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with fair credit reporting Act XXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with fair credit reporting Act XXXXXXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.

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 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I filed a dispute on my debit card and the claim was denied because they said my card was used but it was used in another Country. If you look at my transactions. I was in XXXX XXXX California then I drove home to XXXX AZ. How could I be in XXXX also using the card. It doesnt make any sense. I was asked to submit a receipt but I dont have any from XXXX of 2021. I take full responsibility for not noticing sooner but how can I be in XXXX and in the US at the same time. Its just not possible. The claim XXXX. I have zero clue how my card was being used in XXXX but I wasnt there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by 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 non-monetary relief
Consumer complaint received 2022-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX  corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX  corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by 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 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We filed the complaint # XXXX back on XX/XX/2021. XXXX Bank responded that the account was not opened since the country of XXXX is on XXXX restriction list!!!! 

However we have absolutely NO financial transactions with county of XXXX! Therefore we were puzzled why a legal US resident with Permanent Residency ( XXXX  ) Social Security and a valid State issued ID is unable to open a bank account! Our only fault is that " we were born in XXXX and now we are in the US to be near our beloved children ''! 

Thus we did follow up with XXXX XXXX XXXX at XXXXExecutiveOffice via phone and email and mail. During a telephonic conversation she acknowledged that the banker made an error assessing the situation and made a wrong judgement in this matter since all requirements to satisfy for an account had been met. In-fact just few days after we opened an account with XXXX which we have not had any issue with them what so ever! 

Ms. XXXX XXXX at XXXXExecutiveOffice assured us that additional investigation and corrective actions will be taken. However despite several voicemails that we have left for her and emails sent to her, we did not receive any responses from Wells Fargo. 

To us, this is a TRUE case of discrimination and it was evident to us that the Banker spent almost 2 hours making numerous phone calls just to provide a " NO '' answer to us! We could overhear his phone conversation that the other party on the phone line asked her " Why not open an account for them if they have all the documents? '' and he was replying " Because they are originally from XXXX! '' We are demanding XXXX to provide an official respond that : 1. What was the final conclusion of their investigation?

2. What has been the corrective action that XXXX has taken in this matter? 

This is not a situation that neither ourselves nor our children could forget nor forgive and we are also giving them ( Dr. XXXX XXXX and Mr. XXXX XXXX ) the full power of Attorney to conclude this matter if any unexpected circumstances arise for us. Our children and their young XXXX had to accompany us ( 2 elderly individuals ) at the bank in the middle of pandemic for 2 hours while the banker was making every effort to provide a NO answer!

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 2022-02-27 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 — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a Vanilla prepaid visa card on XX/XX/2022 at XXXXXXXX XXXX and I put {$350.00} on it and on XX/XX/2022 I wasted {$1.00} at XXXX to make sure it works. On XX/XX/2022 at XXXXXXXX XXXX I wasted {$42.00} at XXXXXXXX XXXX. The same day at XXXXXXXX XXXX I wasted {$44.00} at XXXX. I wasted the same day at XXXX XXXX at XXXX XXXX {$25.00}. Then later that day I made a purchase of {$63.00} on XXXX at XXXXXXXX XXXX but was only charged {$45.00} on the transaction. I then checked how much I had on the card and it said {$190.00} and later that night at XXXX XXXX I was told the card only had XXXX cents. How is that possible? I called and they said that XXXX had charged me XXXX dollars but I checked my XXXX account and that was not true so I called again and now they said it was XXXX XXXX that was charging me 9 times for {$10.00} in XXXX XXXX and 2 times with {$50.00} with XXXX XXXX. I don't even use XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
I thawed my credit report on XXXX I received a confirmation that my credit freeze had been lifted. I then applied for a loan at XXXX XXXX XXXX XXXX and was told my credit had a freeze on it with Expierian. I attempted multiple times to contact Expierain by phone but was unable to speak to a representative. I was trapped in a ridiculous AI phone system that spends you around in circles multiple times over the course of 1 1/2 hours. 
My credit has not been thawed and I can not get the loan I requested because the XXXX XXXXXXXX XXXX XXXX XXXX  have a XXXX grip on my credit report and refuse to answer the phone. 
I have now received a letter stating that I must submit multiple types of documentation to prove I am who I say I am that I already did to lift the freeze. 
Please help me escape the stranglehold the idiots have placed on my credit report. 
I will probably have to pay cash to escape the tyranny these XXXX on afflicted on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Agent/Representative, I want to file a complaint against JPMCB/CHASE Chase Credit Cards. My JPMCB/CHASE Business Credit Card has reported three ( 3 ) late payments to all three of my personal credit report. It is supposed to stay on the business account. I have contacted JPMCB/CHASE and utilized credit repair services for this one ( 1 ) negative item on my report, but without success. JPMCB/CHASE is known to have strict policies that has not budge. We missed payments during the height of the pandemic in 2020. JPMCB/CHASE has unjust rules that after two missed payment the third reports to both business and individual credit reports. JPMCB/CHASE does not offer a forgiveness clause. This credit card is in my husbands business name, but because he got distracted by the pandemic he accidentally missed payments. I also, did not keep track of payments. Now this card has dropped my credit for over two years. We are currently in a payment plan with Chase, but this card on my personal credit report is harming my score and leading to issues with the purchase of our first home.

Please I am asking if JPMCB/CHASE can provide one ( 1 ) forgiveness for one missed payment. That way it will remove this account entirely from my personal credit report. 
Please, I beg someone to help to remove this account entirely from my personal credit report. Please considering our first time home and the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent several letters to Transunion regarding account with XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Transunion know that I never had an account with them. XXXX said that they verified the information. I sent another letter asking Transunion to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX  XXXX. I then sent another letter to TransUnion asking them to show me the process they used to verify this information and who at XXXX  XXXX  they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Transunion sent me letters saying that the information was verified and other details to the account were UPDATED. As a consumer I have the right to a credit report that is 100 % accurate. The problem I have with Transunion is when I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked XXXX to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX, they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX  company has submitted a record of deletion to the Bureau. This is evidence that Transunion has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account to remain on my report. I expect this account to be deleted IMMDEIATLEY!

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 2022-02-27 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:
I sent a letter to equifax back in XX/XX/XXXX stating that I have unauthorized hard inquiries on my report along with the FTC report. I never heard from anyone. I called twice, once on XX/XX/XXXX and was told that they would remove these inquiries. I called again on XX/XX/XXXX and put in another dispute stating what I have been through with the other reps at equifax and he assured me that these inquiries would be deleted but they are still on my report. I really need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Lack of upfront and honest communication in how to resolve any medical collection issues. Consumers are not being told that they might have various options in order to prevent any credit bureau reporting, that is negative to a consumer. After making several payments on this collection account, over several months this happens. I am reported to all 3 credit bureaus. After calling the collection agency about this they stated that I never asked about this specific situation. I want to know why they are not telling consumers first off any and all available options to resolve any collection issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Dear Agent, I want to file a complaint about CornerStone Education Loan Service. This organization is run by the XXXX XXXXXXXX XXXX XXXX XXXX. CornerStone services federal student loans for borrowers all over the country. First, my loans were transferred to this company in XXXX. I had trouble paying the loans and they never offered PSLF option or IBR options. From XXXX until XXXX, I was placed on Forbearance without any true explanation of the increased interest nor information about PSLF with IBR. I feel this was unlawful withholding of information for years. Had I known, I would not have accepted/agreed to Forbearance. Therefore, with this current student loan wavier I did not qualify for loan forgiveness. I worked in a nonprofit for 13 years. Once Cornerstone stopped servicing loans, I transferred to FedLoans. There I did my own due diligence and learned about IBR. As you are aware, the lawsuits and misinformation is true and real. 
Please search this company and seek justice for us students. What occurred when these companies took over the loan is not fair or justice. 
Please help many of us who were influenced into forbearance, to get that time back, and have forbearance count towards this wavier, so that we can qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX Opened a line of credit with XXXX XXXX XXXX XXXX Account. 
Card was activated at store and account opened with Routing and Bank Account Number.

Card given was previously used and connected to another persons account.

Information on card was not matching my information, dob and ssn, personal identification number.

Cashed a US treasury refund check for {$330.00} but had to open an account. 
Account was open and activated on account and card was already used and connected to another financial institution, financial name, financial resource, financial fraud, financial source including federal funding fraud and criminals. 
XXXXXXXX XXXX XXXXXXXX XXXX Routing Number XXXX Will Provide Account Number on request. 
Connected to City of XXXX California including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Identity Theft, Identity Fraud. 
Possibly another XXXX XXXX works at this bank and is using my information. 
So much stolen from me and my daughter including property, money, inheritance, intellectual property, falsifying information, XXXX XXXX etc. 

Possible connections of those doing fraud in City of XXXX, XXXX Police Department and stolen identity include XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City of XXXX Police Department XXXX FBI, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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.

Complaint narrative:
I have only XXXXXXXX XXXX Credit Card but whenever I tried to check my XXXX score then one another card is showing active in my account which is from XXXX XXXX XXXX XXXXXXXX card but I never used or applied any other card except XXXXXXXX XXXX  CREDIT CARD because of it my XXXX score is affected so please check it and contact me on XXXX XXXX Which documents I have attached below the link please check it this is not my card

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 2022-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following are unauthorized inquiries I have relentlessly contacted Multiple times during the past 2 months please remove stop destroying my life. 

1 ) XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX Date : XX/XX/XXXX 3 ) XXXXXXXX XXXX Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX Date : XX/XX/XXXX 5 ) XXXX Date : XX/XX/XXXX 6 ) XXXX Date : XX/XX/XXXX 7 ) XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This investigation took more than 30 days and I have not heard a response from the reporting agencies. This item that is on my report is reporting inaccurate information.

Company response to consumer: Closed with explanation