vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out to the Department of Education requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the Department of Education I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Barclays Bank Delaware is the provider of XXXX XXXX Mastercard. 
Every time I go to the Barclays Bank of Delaware website the reporting of credit card information is inaccurate. The Credit Line less Current Balance NEVER equals the Available credit. Example today : Website reports : Credit Line = {$500.00}, Current Balance = $ {$320.00}, Available Credit = {$0.00}. Does NOT add up. Never does. 
Previous statement Balance = {$250.00}, Purchases ( posted ) = {$960.00}, payments ( posted ) = {$890.00} leaving balance of {$320.00}. Credit Line of {$500.00} less balance of {$320.00} should equal Available Credit of {$170.00} NOT {$0.00}. Even accounting for " Temporary Authorizations '' of {$16.00} the Available Credit should be {$160.00}. NOWHERE on the website is there an explanation of why Credit Line less Current Balance does not equal Available Credit. Fraudulent and highly unethical.

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 2018-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
After requesting a forbearance 3 times, and after spending nearly {$20.00} on tracking fees through the USPS, I was finally sent a letter XX/XX/2018, stating I would be charged {$0.00}. Later in XXXX, I received a letter dated XX/XX/2018, with a billing for Unpaid Fees which states is based on Total Payment Due ( Past Due Amount ) {$0.00} + Current Amount Due {$0.00} + Unpaid Fees for which they are charging me {$61.00}. I have been on food assistance through Kansas Department for Children and Families. Last year I was told by a KDCF case worker that Navient can not charge me while receiving Food Assistance. From what I've read, Navient receives funds from the federal government. I am an unpaid XXXX for my very frail XXXX year old mother. I also have a physical XXXX as documented by Social Rehabilitation Services for which I received assistance while attending college. This payment is due XX/XX/2018. I will need to borrow this money and send a 2-day arrival which will cost another $ XXXX for a total of about {$70.00}. Why is it legal for Navient to charge an Unpaid Fee? This is not the first time I have been charged this Unpaid Fee. It happened last year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account ( XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ( XXXX XXXX ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Financial pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry on my XXXX XXXX credit report is fraudulent, unauthorized and not mine. I never applied for an auto loan with Ally Financial.

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 2018-11-24 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
XXXX XXXX pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified accounts ( XXXX XXXX, XXXX   XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that ( account name ) was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Continental Finance Company, LLC
State: AZ

Complaint narrative:
Continental Finance Company pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for anything from Continental Finance Company on XX/XX/2018.

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 2018-11-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
Im a victim of identity theft. Someone stole my identity and applied and opened a personal loan account with One Main Financial on XXXX.The personal loan account is fraudulent, unauthorized and not mine. I have mailed and sent numerous letters of disputes to One Main Financial for the last 7 months in regards to the fraudulent account, and I havent not heard back or received any correspondence from One Main Financial for 7 months. I been receiving harassing and threatening phone calls of profane language, verbal abuse, threats of legal action, wage garnishment, arrest, jail and prison for over 7 months at home and work at XXXX XXXX and after XXXX XXXX from One Main Financial debt collection call center representatives, for an account thats fraudulent, not mine, and a debt, i dont owe. One Main Financial is in violation of The Fair Debt Collection Practices Act ( FDCPA ). My social security number listed on the fraudulent account is : XXXX, Date of Birth is : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon Checking equifax I found that XXXX reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company XXXX  forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: TN

Complaint narrative:
Since XX/XX/XXXX XXXX XXXX has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: AZ

Complaint narrative:
The following credit inquiries listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX, XX/XX/2018, XXXX XXXX   XXXX, XX/XX/2018, and XXXX XXXX XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Upon Checking XXXX  I found that Santander reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company santander forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with Credit Acceptance Corporation. I have never applied for an auto loan with Credit Acceptance Corporation. The auto loan account with Credit Acceptance Corporation is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from Credit Acceptance Corporation call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX for a fraudulent account and debt of {$7000.00}, I dont owe. Credit Acceptance Corporation is in violation of The Fair Debt Collection Practices Act ( FDCPA ).

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 2018-11-24 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: MN

Complaint narrative:
I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with XXXX XXXX XXXX. I have never applied for an auto loan with XXXX XXXX XXXX. The auto loan account with XXXX XXXX XXXX is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from XXXX XXXX XXXX call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX  for a fraudulent account and debt of {$7000.00}, I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
Im a victim of identity theft. Someone applied for and opened a auto loan account with Universal Acceptance/XXXX XXXX  on XX/XX/2013. I never applied for an auto loan account with Universal Acceptance/XXXX XXXX. The account is fraudulent, unauthorized and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: MN

Complaint narrative:
Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.

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 2018-11-24 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: MN

Complaint narrative:
Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.

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 2018-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services
State: WI

Complaint narrative:
On or about XX/XX/2018 my employer received a wage assignment demand notice signed by Kashia d/b/a XXXX XXXX stating I owe XXXX and it was sent direct to my my employer via fax. I had no idea what this was about it states loan number XXXX XXXX with an account Specialist of XXXX and an email XXXX my employer brought this to my attention because it was not a court order it came from this XXXX  and they thought it sounded fishy so I did some research and I was told it was taken out XX/XX/2018. They also included info that this wage assignment is revocable at will so I attempted to email this XXXX at the he bread mail provided with no success it came back twice. So I wrote a revication letter and mailed it and my employer did receive revocation request I have been trying to figure out where to go with this request to file complaint but I'm not getting anywhere no one 's responding back to me ; nothing received f I'm anyone, so I filed a scam with the XXXX XXXX XXXX and they said thank you and they were made aware of it I haven't heard from his company since but I'm afraid they're going to come back and start all over again I did not talk to anybody from this company in XXXX so I have no idea where this came from and I've had some issues with my credit union my debit card has been hacked about 5 times now so I've got new debit cards from them so I just need to file this complaint so this doesn't happen to me with this company again if  someone could help that would be great. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX has charger my account for {$180.00} and for {$8.00}. The second charge was refunded but the {$180.00} was not refunded I emails from the stating the charge was refunded Wells Fargo, has not credited my account for the unauthorized charged

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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by Equifax, XXXX, XXXX and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: SC

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I contacted US Bank on XX/XX/XXXXabout unauthorized transactions on my account and was told there was nothing they could do about them because I was at the establishment and I have to wait for them to post. I looked at my account this morning and I have an overdraft fee. I called and I wanted an explanation and I was told that the transactions from XX/XX/XXXX brought the account negative which is not true. US Bank is attempting to pre charge me a fee on an authorization that is fraudulent and not authorized. This is bad for business. I was not advocated for as a customer. US Bank looked for a way to profit from my loss. This is very distasteful. I asked to speak to a manager and it was refused.

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 2018-11-24 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: SC

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment.

These items of hard inquiries and past credit debts disputed by XXXX, TransUnion, XXXX and XXXX XXXX I am requesting that the items be removed.

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, 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