vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 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:
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : 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 2018-11-12 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:
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... .. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kauntey Mediation Services LLC
State: IN

Complaint narrative:
Kauntey Mediation Services left a robo message on my cell number to call regarding a case. My next door neighbor also rec 'd the same call FOR ME. My boyfriend also rec 'd the same call FOR ME. These calls came from a XXXX phone number and left a message to call XXXX. They called my cell and my boyfriends number again today. I do not know what they are calling about as they have hung up on me every tried to call to get the company name and physical address. I want to mail a letter asking them not to call my neighbors or my boyfriend as I have never entered into financial arrangements with either of them. They are refusing to give me any information. My neighbors are elderly and the call scared them. I want these types of organization shut down. It is beyond ridiculous that a neighbor is even getting a call. My bf and I can handle scammers but the elder can't.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. 
In addition, I am unable to get my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX : XXXX Experian : XXXX   Chapter XXXX Bankruptcy Dismissed XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX   XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : 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 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a supposed cashed check with Capital One for XXXX I did not write this check. They have not been able to provide me with a copy of this check. They have also charged me multiple times over and over for XXXX charges that were not mine. I disputed charges against XXXX XXXX XXXX XXXX XXXX in XXXX, CT  since they misdiagnosed my puppy and she died. I have submitted a letter from my current vet showing that she was misdiagnosed. it cost me an additional XXXX to try to save my puppy who died after emergency XXXX. STAY AWAY FROM CAPITAL ONE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.

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 2018-11-12 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: CA

Complaint narrative:
XXXX CONTINUES TO REPORT A BALANCE OF {$27000.00} as of XX/XX/2018 ON THE CAR LOAN THAT WAS SURRENDERED RECOVERED AND SHOULD BE REFLECTING A {$0.00}. THEY ASKED ME TO WRITE TO THEM WITH NO RESPONCE FROM A LIVE PERSON, INSTEAD I GOT A LOT OF COMPUTER GENERATED LETTERS THAT ASK FOR SPECIFIC INFORMATION WHICH WAS ALL INCLUDED IN THE ORIGINAL LETTER TO BEGIN WITH ... THERE SHOULD BE REMEDY TO THESE ILLEGAL OPERATIONS, THEY ARE HURTING MY CREDIT AND ARE TRYING TO COLLECT ON THE AMOUNT I DON'T OWE IN FIRST PLACE PLEASE 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 2018-11-12 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: CA

Complaint narrative:
XXXX CONTINUES TO REPORT A BALANCE OF {$27000.00} as of XX/XX/2018 ON THE CAR LOAN THAT WAS SURRENDERED RECOVERED AND SHOULD BE REFLECTING A {$0.00}. THEY ASKED ME TO WRITE TO THEM WITH NO RESPONCE FROM A LIVE PERSON, INSTEAD I GOT A LOT OF COMPUTER GENERATED LETTERS THAT ASK FOR SPECIFIC INFORMATION WHICH WAS ALL INCLUDED IN THE ORIGINAL LETTER TO BEGIN WITH ... THERE SHOULD BE REMEDY TO THESE ILLEGAL OPERATIONS, THEY ARE HURTING MY CREDIT AND ARE TRYING TO COLLECT ON THE AMOUNT I DON'T OWE IN FIRST PLACE PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
In XX/XX/2018, I opened an account with MB Financial. At the time, MB was offering a {$250.00} bonus that would be available after 90 days. At this point, the 90 days has surpassed and the funds have not been dispersed. When speaking with one of the relationship bankers, I was informed last month that I was on an approved list. However, the approval amount was only for {$150.00} which is not what I was originally told. After several visits to the bank branch it was explained to me that someone would look into this and then follow up with a phone call. I have yet to receive a call from the bank branch regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX  : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed Transunion : XXXX, XXXX HOSPITAL XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX. Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX  XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : 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 explanation
Consumer complaint received 2018-11-12 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX  Equifax : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed XXXX  : XXXX, XXXX HOSPITAL Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX. XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXXEquifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
XXXX  XXXX XXXX ( ( Account # XXXX ) sold by mortgage to Carrington Mortgage Services (  Account # XXXX ) with a transfer date of XX/XX/2018. Since my payment was due on XX/XX/XXXX, and XXXX  XXXX XXXX sent me my bill for my XXXX mortgage payment, I paid XXXX XXXX XXXX. I then set up online banking to pay Carrington Mortgage for XX/XX/XXXX. I was notified by Carrington that they had received my mortgage payment for XXXX and it was past due. I told them I paid XXXX XXXX XXXX since they sent me a bill for XXXX and that the transfer date was later than my payment due date. They said that XXXX  XXXX XXXX would transfer the money to them. Since XXXX, Carrington Mortgage has threaten to report my late payment to credit reporting agencies and they have sent letters attempting to collect my missing payment. I have spoke with Carrington no less than seven times, sent them my XXXX XXXX bank  statements showing where XXXX  XXXX XXXX was paid on XX/XX/XXXX as instructed. I called XXXX XXXX XXXX and got the transaction ID # XXXX for the transfer of monies to Carrington Mortage which included my mortgage payment of XXXX dollars. They still deny receiving of finding my XXXX payment and have thier collection department now calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a checking account through US BANK I didnt have the account that long and the account ended up closing but I ended up making the payment to the account and im.still.not able to open an account anywhere. When I went to pay the bank.account off the teller at the window said that it should have posted that i.paid it.. All I'm trying to do is not have to have greendot cards anymore so I would like to know what the. Next step to be able to get this fixed so I can open an actual 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 explanation
Consumer complaint received 2018-11-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have dispute item, Bankruptcy Ref. # XXXX ( dispute report number XXXX ) twice. Once on XX/XX/2018 and again on XX/XX/2018. Each time, Experian has responded with the following statement, " The company that reported the information has been certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' They will not provide the identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX or report # XXXX ) I have contacted the United States Bankruptcy Court for the XXXX District of Virginia which confirmed the court does not furnish information to credit reporting agencies. ( Documentation attached ). 

I am requesting the removal of the bankruptcy ( below ) on my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. XXXX  XXXX XXXX , XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as soon as possible. 

Please identify the third party vendor ( if any ) who verified/validated the public record - Bankruptcy Ref. # XXXX, along with the vendors written validation of its accuracy during the investigation ( report # XXXX ) or removed the public record.

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 2018-11-12 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: CA

Complaint narrative:
I have been disputing with TransUnion for over 6 months letter of violations on my credit report XXXX { 1 } No last date of last activity { 2 No name or address of collection company listed } { 3 } showing a past due balance violation { 4 } account not listed under new owner { 5 } NO notice of dispute from creditor in the past 6 months FCRA623 and FDCPA806 { b } which states that a creditor must enter a notice of dispute if this is not entered the account can not report on the credit report, which puts you Transunion in violation.

the account which I sent you the disputed information fact evidence that DSRM can not show any documentation that its my account or I used it reported in 2014 fraud to you.

remove this account, All information to you was sent through the CFPB and OCC remove this account at once there should not be an 60 day investigation on your violations from your self. I do have all documentation from the start of this dispute with dates that show your report show no dispute

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 2018-11-12 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: GA

Complaint narrative:
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.

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 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I have an outstanding medical debt of {$560.00} reporting on my credit report. I never received a bill or any type of correspondence in regard to this debt. The details state that it was opened on XX/XX/2018. This is not my debt. I called the original creditor which is XXXX XXXX XXXX XXXX on XX/XX/2018 to verify the debt, and there was nothing owed in my name. It is on my credit report that Nationwide Recovery SYS has taken over this debt. I contacted Nationwide Recovery SYS on XX/XX/2018 to ask for debt verification and this company would NOT verify it via phone or US Mail. There was no proof provided to verify that I owe this debt, and I would like it removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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:
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: GA

Complaint narrative:
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.

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