vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It states on my credit report that I have been evicted from XXXX XXXX XXXX XXXX  NY XXXX XXXX It also states that I have 2 judgements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I have had multiple contacts by email and phone ; some dates there are more than one call/email. I sent written notice, by email XX/XX/XXXX ( and a reminder XX/XX/XXXX ) that due to financial hardship, I would need to stop ACH payments, and payments would be sent by mail. I understand they had two days to honor my written notice to stop ACH payments. On XX/XX/XXXX, {$390.00} was taken from my account, so I promptly contacted Lending Club. During these contacts, I keep getting told different information, and as of today ( XX/XX/XXXX ), I  have not received the funds back yet. They have sent me a bill stating I didn't pay XXXX, when that is not true ; they took the amount on XX/XX/XXXX after I sent my written notice to stop payments. I have had calls on XX/XX/XXXX ( where I was told I would receive it back by XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I decided to correspond by email after that, in order to support a more complete written record. Emails were sent back and forth on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I keep getting told different versions of their resolution ; they'll send it back to me electronically & you'll get it, oh wait - we can't send it back electronically because you stopped ACH ( & no way to reactivate it to have the funds sent back electronically ), we'll mail a check, the check was mailed XX/XX/XXXX, then still not received, you should have it by XX/XX/XXXX ; we mailed it XX/XX/XXXX, then generic responses indicating it takes time for mail to be received ... Yet I received a billing letter dated XXXX. I was told to wait until XX/XX/XXXX, then contact them again. As it was not returned by XX/XX/XXXX, I emailed again, and received a generic response. As of today ( XX/XX/XXXX ), the amounts that should never have been taken have not been returned. During these multiple contacts, Lending Club has no concern that the amount should not have been taken per my XX/XX/XXXX notice, and has not made a viable attempt to provide resolution. I indicated that as I have not received support and resolution, I would need to request help via filing complaints I have detailed notes of dates/times & content of phone conversations, as well as emails back and forth. I'm not even seeking the funds caused from lack of funds in my account ( causing overdraft fees from my account becoming overdrawn ). It has been over 4 weeks. I would simply appreciate Lending Club honor my initial email XX/XX/XXXX indicating that as I am having a financial hardship, return the original funds that should never have been taken from my account on XX/XX/XXXX. I was not able to find a way to attach all of the emails sent and received ; I can provide copies of these as needed ; if needed - please let me know where I can send them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MD

Complaint narrative:
I attempted to pay XXXX in full beginning in XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college   graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XXXX when I ended up having to give XXXX my checking account instead of my savings account despite the reassurance from XXXX that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. XXXX told me they attempted payment so many times that they had to date the payment for XXXX and that they would remove all late payments and report to the credit bureaus that the late payments were XXXX fault and they should be removed. I called again on XX/XX/2020 and XXXX told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and XXXX told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with XXXX XXXX obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.

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 2020-02-21 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2020-02-21 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: DISCOVER BANK
State: NY

Complaint narrative:
Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX XXXX  was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XXXX copies of the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX i notice wellsfargo bank had started charging me a service fee stating i did not gave {$1500.00} balance on my account or direct deposit. Back in XX/XX/XXXX this same issue happened and they told me the only way to avoid this fee was to open a savings account and set it up to transfer funds from my checking account to the new savings account automatically and i did that, up until recently i had no issues. This year however, these random fees started appearing on my statement. I called to inquire about the charges on XX/XX/XXXX and was advice it was due to the balance bring under {$1500.00}. I explained to the representative the savings account i had been forced to opened in the past to avoid the service fee.

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 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I receive documentation that I was being taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to Bank of America and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to US Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

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 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to XXXX   and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
We pay into an escrow account for property tax and insurance. Our lender is now 2 months past the due date on the property tax and we have been charged a penalty. We have contacted the company four times without a resolution.

We made two complaints in the earlier in XX/XX/2020. We made 2 additional complaints today. Each call takes about an hour and they just say they will do something but have not done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: NC

Complaint narrative:
Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution

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 2020-02-21 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:
Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
i have a medical debt in collection I just want yo Pay and I not know were to call to pay for ir i habe insurance i just want to know what i need to do

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 2020-02-21 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: AR

Complaint narrative:
During the month of XXXX I submitted a FTC report to Experian/XXXX  regarding two accounts that were established due to identity theft or fraud without my knowledge. Along with my FTC report I included a copy of my drivers license, utility bill, and a updated request with my correct personal information which included my name, date of birth, social security number, address, and etc. I received a letter on XX/XX/2020 which stated Experian was not able to process my request do to my social security number not being legible. I find this response from Experian unacceptable due to the fact my social security number was typed ( not written ) on my FTC report as well as my updated personal information request. Experian is violating the Fair Credit Report Act and also my consumer rights by not providing 100 % accurate verification and also not honoring my Federal Trade Commission 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 2020-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase didn't give me a bonus despite I met all the requirements. I've opened an account on XX/XX/XXXX, received my first direct deposit on XX/XX/XXXX, and several of them later, each week. But Chase says I need to wait. I spoke with their support two times and they said I have to wait. So, I'm waiting from the date of the first direct deposit posted its been more than a month already. See attached bank statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Alliant Capital Management LLC
State: NM

Complaint narrative:
Alliant capital Management called me yesterday about a business matter and was vague with details. Today they called my friend and said I gave her as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I  receive documentation that I was being taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: VA

Complaint narrative:
I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX**** they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Transunion has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AP

Complaint narrative:
A government travel card was issued through CITIBANK by the US XXXX  to use during official government travel. I was unaware that any further payments were due and thought it was paid off until I received a bill in XX/XX/XXXX after a last payment was made in XXXX XXXX. The bill was for the entire amount of the card, since they were unwilling to do monthly installments or payments and had incurred late charges. After being locked out of the account and being stationed overseas, I was finally able to make a partial payment that was worked out with CITIBANK on XXXX XX/XX/XXXX for {$1300.00}. However, this was not processed and on the statement read returned CK PAYMENT even though it was paid via phone with a confirmation email provided. Since XXXX, I have been XXXX leaving my wife a POA for my finances that are not joint. I assumed that my wife was successful in making a full payment to pay the card off on XXXX XX/XX/XXXX since the account reads " success '', but nothing has been withdrawn from the checking account. My wife attempted to call the agency and representative XXXX ( # XXXX ) would not help her or accept my POA unless I could FAX the documents. Having no access to a fax machine I am left helpless since the internet is down on my XXXX  and unable to call in and complete this on my own. This company has been completely irrational with their payment demands and down right shady when consumers are attempting to make payments. There is no excuse for this lack of flexibility when working with military spouses especially when they are trying to solve problems for their XXXX spouses who have more important things to focus on.

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