vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: MS

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ALL CREDIT BUREAUS THAT MY DAD PASS AWAY ON XX/XX/2008, THE ESTATE XXXX. XXXX XXXX XXXX, SEE ATTCHED.. WE ARE EXECUTORS OF THIS ESTATE EFFECTIVE XX/XX/2008.

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 2019-06-05 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: GA

Complaint narrative:
1.XXXX  XXXX , account # XXXX XX/XX/XXXX {$790.00} reporting charge off company will not comply with me on removing this item from my credit report after making attempts to satisfy. They are reporting to XXXX  and Equifax and this is keeping me from getting credit. 
2. Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize,. Reporting to XXXX   and Equifax. 
3.Inquiries XXXX XXXX XXXX XXXX, XX/XX/XXXX reporting to XXXX and Equifax and XXXX  I did not authorize. 
4. Inquiries : Showing on my XXXX  and Equifax XX/XX/XXXX XXXX XXXX XXXX and XXXX I did not authorize 5.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
6. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 7.Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX  and Equifax.and XXXX 8.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
9. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX 10. Inquiries : XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 11. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and XXXX 12. XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was contacted by someone whom at the time pretended to be a XXXX representative, soliciting part time jobs as a mystery shopper. I expressed interest and a few days later a envelope arrived at my residence with a money order for {$1000.00} and a document with instructions. 
The instructions explained that I was to cash the money order at my bank and using the cash, purchase {$800.00} worth of XXXX gift cards. Then photograph these cards, and text them to a number provided. Fill out a VERY brief summary of experience and that was it. 

So I did so. Then the following day I received another envelope with 3 more money orders. The same instructions were enclosed. I went to cash the money orders and the teller at the bank explained that they were fraudulent. At that time I realized what had occurred. My bank account deducted {$1000.00} from my checking account when the money order came back invalid. 

I was shocked it was able to be cashed in the first place and explained that they should be responsible considering they failed to acknowledge the first fraudulent money order. 
I have been on the phone with them for days and they have refused to help financially. They have also been unusually rude and have had to deal with numerous failed attempts to even speak with someone about this. 

If someone can help, please reach out! 

Sincerely, 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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: IL

Complaint narrative:
PLEASE BE ADVISED THAT MY FATHER XXXX XXXX XXXX PASS AWAY ON XX/XX/2008, ESTATE NO.XXXX, PLEASE SUPPRESS CREDIT PROFILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Issue : There was a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called Equifax to inform them of the fraud, they said you need to request a letter from XXXX XXXX XXXX that it was a fraud and they will remove the inquiry and address. I called XXXX XXXX XXXX for the fraud, they sent a letter to Equifax to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, Equifax received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, XXXX XXXX XXXX sends another letter stating the inquiry should be removed because it was their error, but Equifax now says, you need to have XXXX XXXX XXXX call the Equifax department to remove the inquiry. I called XXXX and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - Equifax will not remove the hard inquiry and I am frustrated that Equifax is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MS

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-05 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: FL

Complaint narrative:
THE INQUIRIES DISPUTED DOES NOT BELONG TO ME, I AM UNAWARE OF THE INQUIRIES THAT WERE PLACED ON MY CREDIT, I DID NOT GIVE ANY AUTHORIZATION TO THOSE COMPANIES THATS ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Issue : There was a fraudulent hard inquiry on my credit report from LL Bean Mastercard and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called XXXX  to inform them of the fraud, they said you need to request a letter from LL Bean Mastercard that it was a fraud and they will remove the inquiry and address. I called LL Bean Mastercard for the fraud, they sent a letter to XXXX to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, XXXX  received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, LL Bean Mastercard sends another letter stating the inquiry should be removed because it was their error, but XXXX   now says, you need to have LL Bean  Mastercard call the XXXX   department to remove the inquiry. I called LLBean and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - XXXX  will not remove the hard inquiry and I am frustrated that XXXX is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.

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 2019-06-05 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: FL

Complaint narrative:
THE INQUIRIES DISPUTED DOES NOT BELONG TO ME. THOSE INQUIRIES WERE ADDED WITHOUT MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE INQUIRIES REMOVED OFF 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 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It started on XX/XX/19 at around XXXX XXXX. I had gotten an email from PayPal saying that they had confirmed a purchase of {$99.00}. I went into my PayPal to see if I could reverse or stop the transaction, but it was already too late. I didn't make the purchase and I wanted my money back so I reported it to them. I waited a few days for them to contact me back and they said that the transaction was authorized and that my statement was false. They then continued to lock me out of my PayPal account until I had proof of my bank, bank statement, and a driver 's license ID picture sent to them. They said it would take 2-3 business days until I could get back into my account. I decided to take this onto their social media outlets which only solved me getting back into my account, but not getting back my money. They said that they will pit a specialist on my case but I haven't heard back from them. I was under the impression that PayPal was a safe and secure way to send and receive money, but I was clearly mistaken. I don't understand why I had to do so much in order to only get the problem partially solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
THE INQUIRIES DISPUTED DOES NOT BELONG TO ME, I AM UNAWARE OF THE INQUIRIES THAT WERE PLACED ON MY CREDIT, I DID NOT GIVE ANY AUTHORIZATION TO THOSE COMPANIES THATS ON MY CREDIT FILE.

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America began deducting $ XXXXmonth fees from my checking account. When I opened the account, I was told there would be no fees. That was the only reason I opened the account. Then they changed policies, did not notify me, and began deducting fees on the account. The account was inactive and the fees took all of the money in the account. 

On XX/XX/2019 I called Bank of America and an employee told me I would get all of my money back, but I had to go to the bank to close my account in person. I was told this was noted on my account and given a " trace code ''. I went to the bank, but in contradiction with the bank employee on the phone, they told me I needed to call another number to get my money back. I did this, and then they told me I would not get my money back. So the bank ended up taking all of the money in the account that they told me would be free to open.

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 2019-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This has been going on for multiple weeks now. There was a payment scheduled that was not authorized by me and the events that have occurred since this unauthorized payment took place have been at the center of this issue. In short, a payment was made from my Wellsfargo checking account to my Wellsfargo credit card. The original unauthorized payment was reversed. 

Since then, a retry payment has been attempted even though the payment was canceled. Over XXXX was pulled from my checking account to my credit card account ( for the second time ) leaving my checking account in a negative balance. The payment does not show on my credit card account. It only appears that the XXXX has vanished. 

This amount was pulled XX/XX/XXXX and still does not show any reversal in my banking accounts. I have spent 3 hours on the phone with Wellsfargo since XX/XX/XXXX. I was told that the funds would be back in my account XX/XX/XXXX - false. I was told that the funds would be back in my account XXXX - false. It has been almost a week that my money has been tied up in limbo. 

The 8+ people that I have spoken with at Wellsfargo have been unable to help explain or give me accurate information as to when my money will be available for my use. I am appalled at the company 's lack of haste and respect for my time. I will be leaving Wellsfargo as soon as my money is returned to my Checking 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 monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have been in contact with XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  Through CFPB. Both have confirmed through CFPB and in writing to us they have no affiliation to the property or Wells fargo and decisions on the mortgage and note and XXXX XXXX don't have any knowledge of any assignment of mortgage in 2009. 


Who are you servicer the loan for??????

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: A.R.M. Solutions, Inc.
State: IL

Complaint narrative:
An security alarm company, XXXX/XXXX/XXXX XXXX XXXX, on XX/XX/2017 Scammed me with a defected security alarm system. The installer can to my house after dark to install the system. When he finished he had no paper work with him, saying the office would contact me the next day. He said I would have to pay {$99.00} for installation with a credit. I paid with my credit card, and he sign the installation sheet and told me to sign, I did. He told me If I had any problems to call him. He wrote the phone number down and Left. The next day I dropped the handle of my mop, and the alarm went off like crazy, I call the installer, XXXX XXXX. He told me to reset it. I called him many, many time after the initial time, because the system would go off for any little reason. The installer stopped answering my calls. XXXX, would call me when I would leave home on multiple time, saying someone was in my house, I rush back home and nothing would be wrong, except the alarm.going off again. XXXX sent out many people. Finally the last the last guy told me the wrong system was installed, and to call XX/XX/XXXX loyalty dept, to get the correct system. Called XXXX, the next day, They said the company that did the installation was XX/XX/XXXXand they would call them with me on the phone. They talk to a XXXX in finance, explained what was happening with my system, and a new system should be installed for my high ceiling, She said they only had one type of system. She said she would cancel my contract, I told her I never sign a contract, because they never sent me paper work. She did not respond. I ask her about refunding the {$160.00} and all the money I paid, she stated she would refund the XXXX only, she never refunded me the {$160.00}. She said the system would be turned off right away, but she turned it back on two week later. I called and called, XX/XX/XXXX/XX/XX/XXXX, they would not take any of my calls or leave me on hold until I hung up. Please help we, they have ruin my credit. I found out later, that XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ( Which was the company I called ). All three works together to fraud and scam people. There are many people on the internet that are saying the same thing about these three crooked companies. The three crooks, put a contract on line, where someone from their company forged my signature.

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 2019-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I had a lease taken out with Nissan Motor Acceptance XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.

Company response to consumer: Closed with explanation