vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XXXX XXXX, 2017 I was contacted by phone by someone who claimed to be my grandson. This person said that he was under arrest and the Police would be willing to set bail, but I needed to get the money to the Police as soon as possible. I was told that I could n't tell anyone about this, including my husband, as there was a " gag order '' on the arrest. I then received instructions to send the bail money by gift cards, and over the course of 2 days, I purchased a total of {$5500.00} in gift cards from XXXX XXXX, XXXX, and XXXX XXXX. 

I received a second call and was instructed to give the gift card numbers to a XXXX XXXX, for my grandson 's release. After I complied, I contacted my grandson, and he told me that he was not under arrest, and it was not he who called me. I then contacted the Police Department in my town, and made a Police report. While the Police were making the report, they confirmed the phone number I was called from, was from XXXX, and was involved in fraudulent activity.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that XXXX is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the XXXX report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. M & T Bank refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.

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 2017-11-13 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: NY

Complaint narrative:
Navient has continued to offer me forebearances instead of helping me to figure out how to pay and handle my loans. I call and ask them to help me and they keep pushing and pushing forbearance ( been there done this and in horrible shape with loans ) and this coming from customer service reps who barely speak english and i mean no disrespect when i say this. My loans are unbearable ... and the only thing on my credit report thats horrible and preventing me from getting a house loan ... i applied for income based payments 3 weeks ago ( sending in my income tax from last year and paystubs ) and still havent heard a thing. This is all such a game and navient is messing with people 's lives and the ability to qualify for car home loans. Since XX/XX/XXXX i was paying {$360.00} a month and getting nowhere and still behind! I do not understand how to fix this situation wirhout putting thousands of dollars down on these federal loans i learned are controlled by navient. This is a disgusting company who is by no means looking out for the consumer. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One have restricted the use of my credit card because of the authorized users on my card. When I asked for further clarification on this, they stated that I have added too many authorized users on my account, therefore my account has been marked as having fraudulent activity! I do not understand, because I have only four people as authorized users on my card and I am allowed to add up to five people on my card. I have sent them all of the information that they requested on numerous occasions, yet they still have a restriction on my account!! Every time I call the fraud department, they either keep me on hold or hang up on me! I feel that I am being discriminated against because I am a divorced, XXXX mom with limited finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint against Chase a couple of weeks ago. Please reference complaint # XXXX. 

I just got an update today stating the complaint was closed due to my lack of response to a letter they sent me. Based on what I am about to explain it will become quite clear that the letter was probably never physically sent. The first I have seen this letter is attached to today 's CFPB reply. 

The letter says that my credit report screenshot was illegible ( which in fact it is very clear and concise ) SEE ATTACHED FOR YOURSELF THAT IT CANT BE MORE CLEAR IN REGARD TO THE ISSUE. 

Secondly, they reference XXXX being the bureau in question which clearly shows they do n't know what they are talking about or did n't even do their due diligence. Both the CFPB complaint and the attached doc show XXXX is the clear issue. The credit report does n't even show XXXX or XXXX  reporting this account so I am even more baffled at the reply! 

PLEASE INTERVENE AND PUT SOMEBODY COMPETENT ON THE CASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: PA

Complaint narrative:
There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. Trans Union and XXXX refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of  these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian to add a permanent credit freeze on XXXX, 2017 at  XXXX. 
Experian instructed me to pay {$10.00} to remove a temporary credit freeze, and then pay another {$10.00} to add a permanent freeze. I should have only been charged for adding a permanent credit freeze. The online selection for a credit freeze should be a one payment selection.

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 2017-11-13 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: CA

Complaint narrative:
Trans Union is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX XXXX investigation and reporting are not lawful

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 2017-11-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 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: MN

Complaint narrative:
On XX/XX/XXXX I sent a letter to Transunion requesting verification/validation on multiple debts that they are reporting on my Credit Report. I specifically stated in the letter " do not respond to my request by stating these accounts have been verified, but provide me with copies of the information you have in my file verifying/validating these accounts ''. Today XX/XX/XXXX I received a letter from Transunion dated XX/XX/XXXX with several of the accounts listed in my letter still coming back as verified or updated. There was no physical proof of verification/validation included as I requested. Under the FCRA it is my right to view what is in my credit file and being used as verification/validation of these accounts.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: NV

Complaint narrative:
My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that Credco is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the Credco report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. XXXX XXXX XXXX XXXX refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.

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 2017-11-13 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: CA

Complaint narrative:
I have appearing on my EQUIFAX credit report a fraudulent a ccount, XXXX/XXXX XXXX a collection agency XXXX XXXX XXXX XXXX attempting to collect for the XXXX original creditor.I have never ordered anything from XXXX at any time and is possible ID theft or an error of the original creditor. 
These should be removed immediately from my report. 
In addition I have a XXXX XXXX XXXX acct that is paid but shows a balance on my credit report.This should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/17 sent in a request to VALIDATE AND remove bankruptcy and tax lien from public record on XXXX and TransUnion credit reports. Both credit bureaus confirmed that they verified information ; which is impossible due to the fact the County Recorder of Deeds, and U. S. Bankruptcy Court does NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
I have requested a VALIDATION NOT VERIFICATION. The XXXX system, the system they use ... ..is not in compliance with FCRA and therefore, I that my consumer rights are being violated. 

In my letter to both XXXX and TransUnion, I requested copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I spoke to a representative named XXXX, she confirmed that no documentation has been received and that they do not verify that information ; which is what I was originally told was done. 

Please see attached letters to both credit bureaus

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 2017-11-13 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: WI

Complaint narrative:
I received XXXX hard inquiries on my Equifax credit report from XXXX - XXXX in XXXX and XXXX from XXXX. The dates of these inquiries are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have used XXXX XXXX XXXX and XXXX XXXX for my internet and cable since XX/XX/XXXX, and have no interest in XXXX nor do I live in XXXX or XXXX. To this date, I have not seen an withdraws from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

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 2017-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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.
State: FL

Complaint narrative:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

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 2017-11-13 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: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. US Bank took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to XXXX even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to US Bank which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.

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 2017-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX, XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my XXXX XXXX visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a Wells Fargo business account number of XXXX with the name XXXX. From that account, money was added to my XXXX XXXX in the amount of {$20000.00} on XXXX and I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called XXXX XXXX asking for them not to let that happen, but even so it was reversed posting XXXX XXXX. 
I believe that Wells Fargo has responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this account does this many, many times per week. I believe this makes Wells Fargo complicit in fraud, as I believe that this account has been used in this way for a long time. I hired a private investigator who said literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid from a Wells Fargo account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a Wells Fargo business account to be used in this way, I would not have made and sent those purchases. 
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. By allowing this kind of reversal without a court action, especially multiple times per week, Wells Fargo is complicit in allowing this kind of fraud to happen. 
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 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Debt not validated I contacted Online Information Services to have them validate an unknown credit collection account ( XXXX act # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor showing that I sign a contract with the company

Company response to consumer: Closed with explanation