vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including XXXX XXXX. 

3. At approximately, XXXX XXXX, I received a call from the XXXX XXXX branch in XXXX, Georgia, phone number XXXX XXXX XXXX XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from XXXX XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX, XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is 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 2020-07-20 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:
XXXX XXXX XXXX XXXX XXXX is listed as doing a hard credit check XX/XX/20. I do not recognize and did not authorize this, and the phone number listed to contact them is disconnected. I do not have a small business and have not applied for any loans. I do not believe this is legitimate. If this is actually ( which I doubt ) related to the CARES act, then someone has used my information to fraudulently apply for a loan.

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 2020-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Loan Servicing ( XXXX ) contacted me via phone regarding a delinquent mortgage they were attempting to collect. I do not have a mortgage. Bayview called my number because the name associated with the mortgage they were attempting to collect matched my name. Other than the same name there was no other association with the debt. Since I don't have a mortgage, or any other debt, there was no basis to associate my phone number with the person Bayview was seeking. There was clearly no diligence conducted on Bayview 's part related to my association with the debt or the Do Not Call list prior to calling me. When I asked how they obtained my number, given I didn't have a mortgage, and why they didn't check the DNC directory, the representative became belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, I do not nor have i ever owned a XXXX  credit card

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 2020-07-20 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: GA

Complaint narrative:
I signed up for an account with Experian on XX/XX/2020. When I signed up for the membership, there was no indication during the process of sign-up that I would be charged for a monthly fee of {$19.00}. I didn't know until XX/XX/2020 that I was charged three times for {$19.00} each month. When I inquired them about these transactions, they told me that there was a monthly fee of {$19.00} after the first month free trial. They are saying that I can find the term that I would be charged for this amount in their Terms & Conditions, but it's hard for users to read every single clause on the Terms & Conditions and their website is very misleading as it advertises that it is " completely free and easy '' and there is no indication whatsoever that there will be a monthly charge incurred for the membership fee. I am sure many other users are unaware that they are being charged for this amount. I only found out after coincidentally noticing one of the transactions on my bank statement. Please address this issue as they are deliberately concealing the information on their fee to have people use their service. What is worse is that they are stating that they can't remove my information due to their internal retention policy when I demanded that all my confidential information uploaded to their system be erased. This is a completely deceptive advertising method and it takes your private information for good.

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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My wife closed Credit Card account on XX/XX/XXXX via Chase Customer Service. The Account was paid in full and auto pay shut off, account closed. On or about XX/XX/XXXX a recurring charge posted to the account while others were denied. We were unaware that anything had charged to the account. Subsequently residual interest was charged to the account on XX/XX/XXXX and then began the late fees. As far as we knew the account was closed with a XXXX  balance. We were not adequately notified that there was a remaining balance until pulling a credit report and noticing a 30 day late notification was on the report. I called Chase bank multiple times to address the concern and was put on hold for hours and told there was nothing they could do and also hung up on by a XXXX when pressing for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: NY

Complaint narrative:
I am a victim of identity theft as previously notified

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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
When trying to link my debit card with companies like XXXX, XXXX, and XXXX it is rejected due the bank not accepting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, gave me two  letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I checked my credit report and out of no where a derogatory remark was from Transworld System I. This was debt apparently owed from an old apartment complex 6 years ago or more. I contacted the debt collection agency and the agency was unable to provide anything specific and did not have any of my personal information on file other than what was reported to them. I contacted this company in XXXX 2020 requested the original debt owners provide documentation to confirm the debt. Since I have called four times, faxed in a 609 and I still dont have anything! I just called them today XX/XX/2020 at XXXX XXXX  and they wouldnt give me any specific time I would receive a notice. I was not notified by the original debtor. I am also trying to buy a house. This is a terrible inconvenience and all my attempts to have my legal needs meet has failed. This company does not seem legit either. Nothing online. Just there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I received a letter from SageStream LLC stating that I had requested my StageStream XXXX XXXX score but I have not requested such a score. The description of the key factors adversely affecting my score were incorrect and incomplete. I have requested a copy of my credit report which sage stream has refused to provide. Theyve also refused to provide any information about any creditor or potential creditor that they provided information to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery has been calling me almost everyday for the past year, and I have told them numerous times to stop calling and that they are harassing me. They continue calling me after saying that they will stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Can not get my edd money from Bank of America. Most teller machines and all XXXX XXXX county California bank branches closed on XXXX for no reason. Need my cash to pay rent.

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 2020-07-20 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unable to complete transfer because PNC terminated the conection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my Transunion credit report in XX/XX/2020, I found errors and inaccurately reported information in my credit file. I certified mailed Transunion a notarized dispute letter XX/XX/2020 disputing items in my credit report. I allowed for 5 days for Transunion to receive my letter as well as 5 additional days for them to send me results from their investigation. This was a total of 40 days. I did not hear from Transunion within 40 days nor after 40 days. I should have heard from Transunion between XX/XX/2020 and XX/XX/2020. Unfortunately, I never received any letters or correspondence from them regarding the XXXX dispute. As a result, I mailed a 2nd notarized non-response dispute letter this time on XX/XX/2020 addressing the fact that they never responded to my first dispute letter. As per the Fair Credit Reporting Act, a credit bureau is required to respond to me within 30 days, If they do not respond within this time-frame, they must remove the negative item being disputed. 

When I finally received my updated credit report in response to my XX/XX/2020 dispute letter, Transunion had only deleted 2 negative items. In other words, Transunion never responded to my first dispute sent XX/XX/2020 and when they finally responded to my XX/XX/XXXX letter, the failed to completely comply with the FCRA and remove all of the negative accounts and items I disputed. To date, XX/XX/2020 those disputed items still remain on my Transunion 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 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XXXX, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a recent copy of my credit report in XX/XX/2020 Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XX/XX/XXXX, and XX/XX/XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I I opened an account with Capital One on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into Capital One and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that Capital One remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine XXXX   and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2016 my husband and I were moving from one city to another and we decided to stop at a XXXX store to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months some credit cards were opened using our information. A Journey Capital One was opened using my information. I discovered this in the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I acquired this loan through my XXXX XXXX to pay for their services because insurance refuses to cover it. The Company is called CARECREDIT/SYNCHRONY BANK.  I was set up with a {$70.00} payment once a month due on the XXXX. I have paid consistently but they keep adding late charges. I called to ask why since my due date is the XXXX and I always pay before then.. I was told several times that they didn't know why but would reverse the charge. Today I spoke to them and they said my due date was changed to the XXXX of every month and I am being charged late fees because of their original late fees. I plan to get a different loan and pay it off. I wanted to make sure they don't do this to anyone else.Predatory Lenders!!!!!

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