vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to dispute some fraudulent inquiries and account. They are refusing to remove or investigate these matters because I lifted my freeze. Someone or some people has hacked my email which contains a lot of personal information as well as my bank card which I had to replace. I have also had to change my passwords to all of my information. I am a victim of identity theft and would like this matter to be resolved without hassle. I would also like a different PIN number too for my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
On XX/XX/2019, using the site XXXX, I sold a verified user bitcoins in the amount of {$4000.00}. Said user paid the required amount via Google Pay, and the bitcoins were released from escrow to them via XXXX. I withdrew the funds to my bank account immediately. 

Over 3 months go by, and I am informed by Google Pay that the payment had been cancelled and the money returned to said user. I immediately contacted Google to inform them I had proof that the transaction was legitimate and that the user had in fact received the intended purchased product ( bitcoins via XXXX in the amount of {$4000.00} ). I told them I had proof that the user was committing fraud.

Google Pay essentially informed me there was nothing they could do and to contact the user directly or seek a legal solution. They transferred {$4000.00} back to that users account, making my Google Pay balance - {$4000.00} and asked me to settle up.

I told them I would not cooperate with criminals and had no intention of aiding and abetting a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
In XX/XX/XXXX, my husband was commenting adultery and we are getting divorced, someone told me about freedom debt relief so I looked into it because my payments were large and now I am a single mother of two with a mortgage, student loans and a car payment. I had some of my cards for 14 years and have never missed a payment ever but I had no choice other then to see what this program could do! So they told me to stop making payments on my cards and that they would guarantee to settle my debt to lower amounts and save me money in the long wrong. So I started putting away {$390.00} every two weeks to them for a total of $ XXXX/month which was very hard but I knew it was only going to be for 5 years and then it would be over if not sooner based on their promises. Then a few months later they tell me to start putting away {$410.00} every two weeks for a total of $ XXXX/month so again I cried but had to do it. As of XX/XX/XXXX I have deposited a total of {$8500.00}. I got hit with three lawsuits right in a row and two of which they settled. My XXXX XXXX card for example they only got a debt reduction of {$2200.00} but then charged me a settlement fee of {$2300.00} ( which I get they are a business but they told me the fee is not paid until everything is paid and settled ) Then my XXXX  XXXX card was settled ( without my consent ) and they were able to have a debt reduction of {$3300.00} but then again charged me with {$2000.00} in a settlement fee. Yesterday I get a call from a lawyer that says I was hit with a lawsuit from XXXX and that I dont have enough money in my dedicated account and that I will need to put more money in- {$180.00} more every month and I then was very confused, I said well I have only paid around {$3000.00} out to companies, there should be a lot of money in my account to offer a settlement and she said no, there is only {$430.00} in my account. I then got very upset and called FDR. They are not willing to work with me in anyway and lied about their fee 's. There is no way they should have taken almost {$5000.00} in fee 's when I am still in the program for another 4 years. Just with those two cards alone, they are costing me more money then if I would have just contacted the companies and worked one on one with them! I asked if I could have my money back and get out of the program and just call my companies and they said I could leave any time but I would lose all of the money I have put into the program. I am very upset and worried and this is going to cost me so much more money in the long run! Its only been not even a year and I have already paid them so much money that I wasnt aware of and I have increased my deposits three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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 is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my 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 2019-12-06 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I decided to fix my credit and take responsibility for my bad judgement from back in the day. I only had an account from kohl’s that would have dropped off in 2 years but I still contacted them and told them I would like to pay off the debt. I had a XXXX dollar kohl’s card from several years ago that I had totally forgot about because I moved to Pennsylvania and had gotten a Divorce. When I spoke to the women on 8/1/2019, she told me and kept telling me that if I paid this today, it would completely come off my report. I said are you sure it’s not going to just say “paid?” And she said “no, we will remove it completely” - so instead of waiting 2 years for it to go away completely, and they would have been the better thing to do for my credit, I decided to pay the $595 (almost 300 more in interest and fees) because I was promised it would be removed completely. I have been responsible with my credit, fixed things and have been up to date and early on all payments. They have not fixed it or removed it from my account. I’ve called them several times and they said they were goin to and they don’t so I keep disputing it with equivalencies hoping they will keep their word, like I did when I paid it in full. I know they are trying to collect a debt but they still should not lie and make promises to a person that are untrue. I followed through with my part, they should have to also. I know it was my own fault for the debt and I accept responsibility for it but I was trying to make it right and did. I didn’t have to, but I wanted to. Please ask kohl’s to remove the account completely since a persons word, and a companies word should mean a lot to them. I’ve read all over that when accounts are on your credit marked as unpaid, to just let them drop off 7 years later, because companies lie and don’t remove them. I decided to have faith in them and make it right. They however did lie. I’ve called so many times and they said they would fix it but they refuse to once the credit agencies contact them with disputes. Please ask them to kindly remove it. I was stupid and going back then and didn’t accept responsibility for my actions but I am trying to now and I’m trying to do rightThank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: ERC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter stating : We are in receipt of your request for validation. The account has been updated and placed on hold in an investigatory status. We will request documentation from out client.

and On XX/XX/19 I received another letter stating : Unfortunately, we are unable to provide the requested documentation within a reasonable time frame and as such ERC has ceased all collection activity. Further, we have requested the account be deleted from any consumer credit reporting agency files to which we may have submitted information. Consumer reporting agencies may take 30 days or longer to update consumer reports. 

XXXX XXXX it was still on my credit reports and I disputed with XX/XX/XXXX and on XX/XX/XXXX I received the following message on behalf of : The company that reported the information has certified to XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have not received any other mail from ERC in reference to the account or its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Automatic Data Processing, Inc.
State: GA

Complaint narrative:
I COMPLAINED to Adp. XXXX  NXXXX & XXXX XXXX TODAY ABOUT TAXES DEDUCTIONS.  THEY REFUSE TO HONOR WHAT I REQUESTED ON W2. THEY CAN CARELESS  XXXX XXXX XXXX. PLEASE HAVE SOMEONE TO LOOK INTO THIS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
This is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
This is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my 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 non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They call me several times a day but never leave a message. I called and asked them to stop. On my 10th wedding anniversary I called them and told them to stop. They demanded to speak to my wifes maiden name so I knew they had a severely old account. He gave me what I believe to be a fake name and said he was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. He refused to give me any more information than that. He also refused to ever tell me their contacting me was an attempt to collect a debt. He knew her full social security number and date of birth, maiden and married names, middle name, and current plus past addresses. 

Anyone could have provided him with the information she gave him and then been provided her full social without her consent, subjecting her to a lifetime of identity fraud. They claim Wells Fargo hired them and they are filing suit. I told them I represented her and they ignored that and demanded to speak to her. He then proceeded to insult me even though all three of us were on speakerphone, she was listening but I advised her not to speak and that really XXXX the collection scammer off and he yelled " we aren't in the 50 's anymore, she isn't your property ''. Made me exceptionally angry when I was already sick and it was our decade wedding anniversary.

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: DC

Complaint narrative:
I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {$1700.00}. I immediately contacted Discover to have the {$1700.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn't able to go though because they didn't have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {$1700.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {$1700.00} overpaid for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a XXXX  doing my very best at life, and someone is trying to destroy my credit which is very important for my future.

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 2019-12-06 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: Clarity Services
State: MO

Complaint narrative:
On XX/XX/2019 I received an alert from XXXX  that a new inquiry appeared on my credit report. I looked at the report, and the inquiry is from Clarity services and was placed on XX/XX/2019. I did not authorize them to do that. At the same time, I started getting calls from payday loans. I am worried that either my ID got stolen OR that Clarity services is pulling my report for a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied for a Citi XXXX Rewards credit card on XX/XX/XXXX. Citi informed me via secure email that I needed to verify my income by submitting a payslip that included my social security number. 

My employer does not provide payslips with a social security number. I called Citi and they said it was fine to submit whatever I had. I submitted a payslip to their secure email address. Two days later, I called in and the representative claimed that I did not have the income I reported on the application. I explained that the annual income I reported on the application does not match the payslip because I started the job in XXXX and it is early XXXX ; I would not have made that amount within the last 9 months. 

The next morning, I received a secure email that was identical to the first. It said I needed to verify my income by submitting a payslip that included my social security number. I called back in, saying that I already explained the situation. The representative said I needed to submit proof of address. As I did not receive this request for proof of address in writing, I decided to withdraw my application. 

This situation was extremely frustrating, especially since I had a credit card with Citi until fairly recently. I do not think I should have received a hard pull on my credit report for this.

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 2019-12-06 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: FL

Complaint narrative:
Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a student doing my very best at life, and someone is trying to destroy my credit which is very important for my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a XXXX  doing my very best at life, and someone is trying to destroy my credit which is very important for my future.

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 2019-12-06 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I requested a copy of my credit report from Experian after having a long process trying to get my credit unfrozen. They finally unfroze the report and immediately dropped my credit report # severely. I requested a free credit report from them and instead was referred to their self-service dispute website which permanently says " due to technical problems '' it can not be used. 

I believe the information being used to report my credit score by Experian is wildly inaccurate and incomplete. Their score is 80 points below that of the other two agencies. 
Essentially, Experian is refusing to provide my credit report. 

I need a copy of my Experian credit report immediately so that I can take action against them. 

I will wait 1 week from the date of this complaint to have in my possession a complete Experian credit report. Failing that, I will seek counsel in this matter.

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 2019-12-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
XX/XX/2019. Received a call from a female representative at key2recovery. the woman was attempting to collect the debt that I owe. I told her I wasn't able to make a payment at that time. I told her that my brakes on my vehicle went out and I had to pay to have someone evicted from my home. I told her that we didn't even have money for food. She asked me if I could borrow the money and I told her no. While she was on the phone I had company and I couldn't keep telling her no so I got short and hung up the phone. 
XX/XX/2019. I received a text message from my bank saying that key2recovery took {$100.00} out of my account. I called key2recovery and spoke with a male who said he was the supervisor. Explain the situation to him and ask him to give my money back and he told me according to his notes that he was allowed to take my money. He wouldn't listen to me and he kept talking over me. Next, I called my bank and ask them to stop the payment. They said I would have to call back tomorrow because the payment was still pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation