vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-05-21 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NC

Complaint narrative:
XX/XX/XXXX, {$530.00}, I have contacted XXXX XXXX XXXX several times requesting proof of a debt for several years and I have been told it is my responsibility to prove I do not owe the debt. I have not had service with XXXX XXXX XXXX for over 10 years, however, the company is reporting service with them as early as XX/XX/XXXX. I have written a dispute to the credit bureau-XXXX-with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: CA

Complaint narrative:
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

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 2018-05-21 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: CA

Complaint narrative:
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX a payment of XXXX was posted and I made a full payment to cover my account balance and I was charged 10.77 interest and they told me that I didnt pay my bill in full and I had a balance left over and I was forced to pay the interest on XX/XX/XXXX ... and I told Capitol one if I get charged interest again I will close my account and on XX/XX/XXXX I was having trouble logging in to my account and I noticed there was Capitol one 360 bank was open in my name and it was linked and I never open this account and I still cant log in to my Capitol one account to check my balances

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to Transunion advising of my dispute and requested validation of a closed XXXX collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). Transunion simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against Transunion for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from XXXX, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted XXXX on XX/XX/XXXX and verbally verified they had in fact received my dispute. If Transunion is truthful in that they were in fact sending the disputes to XXXX since XX/XX/XXXX, XXXX is in violation of the FCRA. If XXXX ONLY received the request for validation after my CFPB complaint, Transunion has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.

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 2018-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.

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 2018-05-21 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: AES/PHEAA
State: TX

Complaint narrative:
I have a student loan through XXXX XXXX reporting on XXXX, XXXX, and XXXX. The loans are up to date, but are reporting 4 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). During that time period, the loans were in forbearance as they were prior and after. Ive made numerous attempts to correct the issue through XXXX, XXXX, and XXXX  unsuccessfully. Those late payments report are affecting my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: GA

Complaint narrative:
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.

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 2018-05-21 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: GA

Complaint narrative:
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had my Bluebird XXXX  for years. I rarely use it or load money on it but only use it in extreme circumstances. Well I last used in last year and I recently loaded {$170.00} and {$33.00} and {$200.00} and so when I went to pay my car payment with this card I rarely use I was shocked when it didn't work. I called and did a dispute and they only credited {$17.00} and sent a new card. Unacceptable I told the rep distinctly what I was disputing and it wasn't done correctly at this point I just want my money and to close this account completely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I drafted a letter to Experian on XX/XX/2018 requesting removal of unverified accounts and/or details of the validation of verified accounts which was received by their agent on XX/XX/2018. Experian did NOT respond within the 30 days required under the FCRA which is a direct violation of the law. The response received was postmarked AFTER the 30 days they are allotted by law. I will attach proof of the tracking and their postmarked response.

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 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX PERSONAL CHECKING/SAVINGS ACCOUNT - XXXX I can't close this account and Bank of america are charging this empty account monthly fee 's. I will of course not pay and wish this investigated by grown ups. If any other government agency can help me with all my problems with bank of america I ask the complaint be referred to them. They owe me about {$3500.00} already.

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 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
On XX/XX/2018 I was served a summons to settle a debt. The summons was dated for XX/XX/2018 exactly a full month before I received any word of this summons. To top it off I was served on a Sunday when the courts are closed giving me no possibility to respond to the summons. I was not made aware of this summons in any way before the date to respond expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: VA

Complaint narrative:
I purchased a NetSpend Prepaid Debit card at XXXX XXXX XXXX XXXX XXXX, VA XXXX on Friday XX/XX/2018 in the cash amount of XXXX dollars plus XXXX card fee. 

I get home to activate the card. NetSpend requires your Name, social security, address, makes you set up an online account with user name and password ( giving the impression that your account is active ). Once I entered my information a screen pops up stating I needed to call XXXX. So I promptly call, I speak to a lady I forget her name and she says I need to submit additional documents. They wanted a photo copy of my driver license, social security, and bank statement. I email them to XXXX. I get an email later saying that my account can not be activated because I have a closed account from four years or so ago. Mind you that they never told me why they closed my account at all. No notice was sent, and they froze the account. Fast forward, they have a term limited use which allows the person to use the card immediately to make purchases. They denied me access. I needed to pay a bill online for legal court case and I didn't have a visa debit card to pay the fee online. I had to call a family member to pay. Needless to say after three calls, they said they were sending me a paper check in the mail for XXXX. That it would take 7-10 business days. 

NetSpend aka XXXX whatever, should be shut down for illegal practices. They should be fined to XXXX and back and be required to pay restitution for holding peoples money like this. The way they trick you into activating your card and then hold your money for reasons they will not give out then that is unfair. If it is fraud related closed even more should be done, because they should be communicating to the customer what the XXXX is going on with their account. I have never seen such incompetence from a company. I will get my money back but I am hoping you will finally stand up to these wan na be bankers and set the record straight.

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 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XX/XX/XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to AD ASTRA Recovery Service for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to AD ASTRA Recovery Service, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. AD ASTRA RECOVERY SERVICE is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: IL

Complaint narrative:
I have contacted Transunion and XXXX several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files 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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There was an American express XXXX XXXX  card applied for in my name without my permission I did not apply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: IL

Complaint narrative:
I have contacted XXXX and Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files 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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My XX/XX/XXXX statement from Barclaycard Visa had a balance of {$770.00}. The full payment to pay off the account was mailed in before the due date however the payment didn't post until two days after the due date. I flew to XXXX XXXX on XX/XX/XXXX and was out of the country for 2 weeks and my put the payment in the mail then. On my XX/XX/XXXX statement it shows i was billed a late fee of {$27.00} and a finance charge of {$11.00}. I called in to request the fees to be removed and was told it would be. then on my XX/XX/XXXX statement, I was charged a {$37.00} late fee and interest totaling {$1.00}. I mailed my payment of {$200.00} for a purchase and wrote a note telling barclays they can either remove all the fees or close the account. They sent back a response saying they are unable to complete my request.

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 2018-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My identity was stolen and this student loan does not belong to me. I never applied for a student loan.

Company response to consumer: Closed with explanation