vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX XXXX {$5200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: MA

Complaint narrative:
Orignal debt was created on XX/XX/18 fraudulantly via utility company XXXX XXXX XXXX Balance was for {$64.00}. Called Utility company XX/XX/18 to dispute transaction due to fraud. XXXX XXXX informed me account was created in XXXX of 2018 and went to collection on XX/XX/18. I asked what could be done because I did not create the account nor did I live in the state of Nevada. XXXX XXXX said it was out of their control and I needed to get a hold of the person the individual that created the fraud or contact the police. Police informed me I needed to make an in person statement to an officer, of which I was not capable of doing. In an effort to get this off my credit ASAP I paid the charge off to quit reporting to credit bureaus. I feel this is a very unfair situation that I have little to no way to remove off my history. As a result I have been denied credit cards an loans due to collections on my account. I would like this to be removed from my credit and any late/missed payments accordingly. 

Thank you very much for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
We had a joint student checking account with the U.S. Bank. 

We received a letter from U.S. bank on XX/XX/2020, saying that they are closing our accounts and they will send a check within 15 business days. They did not give a reason but it was because of a bounced check. I deposited a check that was returned to the issuer. That was it. I did not try to make a withdrawal, we had a positive balance in our account. 

We made multiple inquiries about the situation and had no luck. They refused to give us an estimated time and did not send our money that was in our student checking account. 

The money in our checking account was for food and rent for the next three months. That is everything we have because it is our financial aid refund. 

We visited the local branch and explained our situation to the branch manager named XXXX XXXX at the XXXX office. He told us to wait 5 business days and 3 business days and so on. He finally asked to see our Financial Aid Refund document last week. I provided him with the document and he said that he will have our check onXX/XX/2020. 

However, we still do not have the check and we ran out of food about a week ago. 

They had a poster in their branch saying that they are the most ethical company in the U.S. but they do not care and respect their customers. 

I have been patient and respectful to their decision to close our account but is it ethical to take our money for survival during this difficult time? Their explanation is that they are very busy. 

However, they supposed to process our account long before the national emergency started.

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 2020-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Saturday, XX/XX/XXXX I received a text message from. Wells Fargo asking if I had authorized a purchase to XXXX of {$160.00}. I responded " 2 '' which meant no. I received a phone cll from Wells Fargo in response to that message response. Went through the procedure verifying I had my debit card on me and it was not me who made that purchase. While on the phone with Wells Fargo I was asked if I had made a withdraw attempt for {$300.00}. I responded no. I was on a boat and had possession of my debit it card, it was not be who made that attempt. The {$160.00} charge was denied by Wells Fargo and the {$300.00} withdraw attempt at an ATM. There was another charge attempt for {$75.00} online to a jewelry store in New York. Wells Fargo denied that charge. 

Wells Fargo then failed to deny two more withdraws from my account at the same ATM location as the first one. Two separate charges for {$300.00}. One on XX/XX/20 and one on XX/XX/20. Resulting in {$600.00} in cash being withdrawn from my checking account without my permission. I had my card on me this entire time and did not give anyone my card information or PIN. During this time on XX/XX/20 there were an addition 2 online charges to white pages. One charge for {$20.00} and a charge for {$9.00}. Both were not authorized by me. 

Wells Fargo failed to lock my debit card after the first initial fraud conversation over the phone on XX/XX/20. I called back to file a fraud claim Tuesday the XXXX after looking at my account and realizing it was not blocked and I was able to use the card on Sunday, XX/XX/XXXX after forgetting it was supposed to be locked and not usable. 

Wells Fargo closed the fraud claim saying the indicators showed I gave someone my card to use. 
This is inaccurate. I filed a police report. I did not authorize the 4 charges that Wells Fargo allowed on my account resulting in {$630.00}.

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 a representative from Comenity Bank contacted my siblings mother regarding my credit card balance on a XXXX XXXX XXXX  XXXX XXXX. My siblings mother is in no way associated with my account and I did not provide her contact information to Comenity Bank. XXXX XXXX XXXX  XXXX and Comenity Bank has by address and should not reach out the other individuals regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please reference complaint numbers XXXX and XXXX from XX/XX/. 

As of XX/XX/, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. XXXX and XXXX have lied to the CFPB, a government agency, and should be held liable. Capital One Bank, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the XXXX and XXXX agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the XXXX XXXX of Texas. 

I will also begin to visit Capital One 's social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as XXXX and XXXX stated in the attached letter response ), they would NOT take the file back into their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
The collections agency on my credit report states : Trident Asset Management. The account says it was opened XXXX XXXX, 2020 and I have not received any communication on what this would be for. I have tried calling and I get no response only a demand that I must pay. They are unable to provide me any information on the debt and will not send me any proof, they only tell me to mail a payment to their address. On my credit report it states the original creditor was XXXX XXXX XXXX XXXX and when I called them directly they stated that they don't have anything in their system showing I held an account with them. The total they are trying to collect is {$310.00} and I can not get any information on this from them and it is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
After several attempts in trying to resolve with Experian, unfortunately I haven't been successful in doing so. I have sent several disputes and correspondence but yet Experian has provided any accurate verification of the accounts that they are reporting on my credit file. When I realized I my identity had been compromised several months I was advised that I needed to reach out to the local authorities. After doing so I was informed I should complete an identity theft report which I did and included several of some the fraudulent accounts in question. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX. Under the Fair Credit report Experian has 30 days to provide accurate verification as per section 609 and 611. It has been several months and yet Experian has failed to provide any documentation obligating me to any of the fraudulent accounts in question. Experian for some reason continues to violate my consumer rights and the Fair Credit Reporting Act and should be held accountable. It is clear in this situation where no accurate verification has been provided these accounts must be removed or I will be forced to proceed with litigation through a consumer attorney.

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 2020-04-08 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX  {$670.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$370.00} XXXX  XXXX {$510.00} XXXX   XXXX {$5000.00} XXXX  XXXX {$800.00}

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 2020-04-08 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX {$370.00} XXXX XXXXXXXX {$510.00} XXXX   XXXX {$5000.00} XXXX XXXX {$800.00}

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 2020-04-08 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-04-08 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: TX

Complaint narrative:
FTC VIOLATIONS ATTACHED VIOLATIONS

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 2020-04-08 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$310.00} XXXX  XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX {$280.00} XXXX AR XXXX {$400.00} XXXX XXXX {$210.00} XXXX   XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/2020- I spoke to a representative in regards to an overdue balance. 

I informed the associate I was not aware of the overdue balance and was under the assumption my card was no longer valid ( previously XXXX XXXX card and issued new TD card with new card # ). The card was used by an authorized signer without my knowledge I informed the associate I would pay the balance in full ; however, I requested to have the {$35.00} late fee and interest charges waived as this was an honest mistake. The agent informed me she, herself, could not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. 

XX/XX/ - I called back as I had not received a returned call on my verified cell # as promised. 

I was informed that I was now past 30 days delinquent (XX/XX/2020) cutoff and I would be reported to credit reporting agencies. I was once again told by the agent she, herself, could not not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. 

After the call I logged into my account and paid the balance in full to " stop the bleeding '' as a callback does not seem promising. 

****I was charged an additional {$35.00} late fee and $ XXXX in interest due to TD 's inability to return my call as promised AND I was reported to the credit bureau*********

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC VIOLATIONS ATTACHED VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TX

Complaint narrative:
FTC VIOLATIONS ATTACHED VIOLATIONS

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 2020-04-08 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-04-08 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation