vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo had a world wide system failure on XX/XX/XXXX and XX/XX/XXXX and my pay day was XX/XX/XXXX. Although there was no issue with my direct deposit there was an issue when I tried to get gas and other items such as groceries and lunch that day. Nor was cash avaiable via ATMs. They were issuing a courtesy inconvienece fee which they did not disclose to anyone, I had encountered a friend who also was with WF and told me. I called today XX/XX/XXXX one day after to incident waited over an hour for them to not be sympathetic and tell me I could not receive the inconvienece fee although I was inconvieneced. They transfered me to another person only for them to say the same thing. I have XXXX children and a job I have to get to every day and caused a major inconvienece as sadly, I do live pay check to paycheck and am the sole financial provider for my XXXX kids and significant other. My significant other even had to ask his parents to borrow necessities like toilet paper and food until for the day and our cards surprisingly worked later that day.

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 monetary relief
Consumer complaint received 2019-02-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I went into a car dealership on two occasions and they ran my credit without authorization. In order to get these inquiries removed from all three credit bureaus, they provided me a correctly formatted letter with all relevant information and all three bureaus refused to remove the inquires. They claim I needed to file a police report showing identity theft, otherwise the lenders would have to contact them direct and they have all refused to do this also.

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 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exter finance account number # XXXX is claiming 4 late payments on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I went into a car dealership on two occasions and they ran my credit without authorization. In order to get these inquiries removed from all three credit bureaus, they provided me a correctly formatted letter with all relevant information and all three bureaus refused to remove the inquires. They claim I needed to file a police report showing identity theft, otherwise the lenders would have to contact them direct and they have all refused to do this also.

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 2019-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was buying hockey tickets off of XXXX. I used the app XXXX, backed by my PNC bank account. I sent the transfer over of {$400.00} on XX/XX/19 for the 4 tickets. I never received the tickets. 

I Immediately contacted my bank to dispute the transaction, they said they were unable to do anything. 

I went to the XXXX county maryland police department on XX/XX/19 and they refused to file an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
My servicer, Navient, sent me an email on XX/XX/XXXX congratulating me on my approved application for deferment. I never applied for deferment for my student loans. I had my loan repayment set up to debit my checking account {$220.00} every month. I never knew that they would or could defer my loans without asking me or without me applying for deferment. I owe approximately {$29000.00} in student loans. I called Navient on XX/XX/XXXX and asked why they deferred my loans. They told me that it was written in my promissory note and that my college, XXXX XXXX   XXXX University, contacted them and told them to defer my loans for me. I then called my college on the same day and asked if they had contacted Navient for me to defer my loans and they said no and that they do not do that for students. I also asked if they had any record of me asking XXXX to help me defer my loans and they said no. XXXX informed me that Navient retrieves a list of borrowers who are enrolled in school from a different source and defers their loans. Navient lied to me about XXXX telling them to do it, deferred my loans without consulting me, and has ultimately set me back on my student loan forgiveness. Now I am behind on my repayment schedule with interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: CITIBANK, N.A.
State: IA

Complaint narrative:
I was added as an authorized user to a credit card without my consent. The card holder is my father, and he has my social security number. We are no longer in contact and I do not know how to reach him as we are estranged. I continue to receive negative ratings on my credit report due to his high balances and late payments. This is affecting my credit rating. I contacted the Citibank customer service sometime last year and they stated that they were unable to remove me as an authorized user, and that I had to contact the cardholder to do so. 
The credit card is reported on my credit report as, " CITIBANK CBNA/XXXX  '' and the source is reported as, " XXXX. '' The address of the card company is reported as, " XXXX XXXX XXXX, XXXX XXXX, SD XXXX. '' Any help with this matter is much appreciated!

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 2019-02-10 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: AL

Complaint narrative:
I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm doing this on my own behalf. I contacted the Ftc and my 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 2019-02-10 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: AL

Complaint narrative:
I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , GA EMER XXXX XXXXXXXX XXXX XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my 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 explanation
Consumer complaint received 2019-02-10 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: AL

Complaint narrative:
I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 10 XXXX XXXX XXXX XXXX. 11 XXXX, 12 XXXX XXXXXXXX 12 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 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: GA

Complaint narrative:
I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-02-10 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: GA

Complaint narrative:
I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, XXXX XXXX XXXXXXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXXXXXX BANK XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX BANK XXXX, XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: GA

Complaint narrative:
I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX   breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: TN

Complaint narrative:
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern & Stern. P.C.
State: NY

Complaint narrative:
Back in XXXX I wasnt able to work leaving me in debt with all of my creditors, one being XXXX XXXX XXXX. During that time I was honest with all my creditors, I let them know I wasnt able to pay my debt because I was out of work. Even after I express that to XXXX they would call me every day threating to sue me. Fast foward to XXXX XXXX, here I am contacting all my creditors to pay my debts ; XXXX sold my debt to a collection agency who then sold it to stern adn stern pc. I contacted Stern and stern pc to pay my debt I reached the woman who was calling and threaten me before. I asked her for information on my debt this woman told me I owe XXXX $ I advised her that my debt with XXXX was only XXXX . She insisted that my debt was XXXX $ and she can go as low as XXXX. I then asked for information on the debt and why it was that much she refused to stend me information. I know my rights as a consumer so I reached out to XXXX and advised them the issue. XXXX is still report to my credit report through they sold the debt and this collections agencies isn't sending my information of the debt that I was trying to resolve. After speaking to the collection agency 5 businessday came and went and I never received infomation on my debt 1st violation. Now here we are XXXX XXXX I get a letter of garnishment dated after my disputed and investagation againist them giving me 20 days before they garnish my wages. That is violation # 2 this creditor filed to garnish my wages on an incorrect amount with no proof given to me or notices with the attemps to collect or even any information about the debt amount. Violation # 3 I filed a dispute this creditor is not allow to proceed with debt collecting activity while a dispute and investigation is taking place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: TN

Complaint narrative:
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: TN

Complaint narrative:
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: GA

Complaint narrative:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the 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 explanation
Consumer complaint received 2019-02-10 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: GA

Complaint narrative:
I went to the bank to get a business loan for my XXXX  and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX 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. I have contacted the FTC and the 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 explanation