vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I recently opened a checking account over the phone with a representative and not one disclosure was read to me, I was never asked about any of the federally required questions that are regulations per the patriot act, and I was never even asked basic questions ; like if I wanted a joint account or any beneficiaries. I work for another financial institution, and often open accounts for folks requesting them over the phone and I was honestly alarmed at the lack of procedure to open this checking account. I said I wanted a checking, and about 30 seconds later, it was open with no questions or disclosures, no W-9 form, and no signature card. It just seemed odd to me and I felt obligated to report this lack of oversight. I have been a Navy Federal member for over a decade, and I have enjoyed doing business with them, but again, I was very alarmed by this experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is ( 2 ) hard inquiries that was placed on my credit report that was for XXXX  Card that were made on XX/XX/XXXX and XX/XX/XXXX to XXXX  Card| XXXX XXXX DE XXXX. 

I was XXXX  when these inquiries were made and I was not XXXX  until XX/XX/XXXX. I did not have access to the internet and was not able to apply for this credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: PA

Complaint narrative:
Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX ct Opened XX/XX/2017 Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am complaining about Bank of America EDD program. They are forcing users to pay large fees during pandemic and unemployed people are suffering. I applied for unemployment the week of XX/XX/XXXX. The EDD department never sent me my bank of america card. I had to call and request it be mailed. It is XX/XX/XXXX and still no card. There site won't let me access my funds from EDD without the card. It claims once I have the card, I won't be able to transfer the funds to my normal bank, XXXX XXXX without paying a {$15.00} fee for each electronic transfer. That seems excessive to charge {$15.00} while everyone is using electronic banking rather than in person banking during the pandemic, especially, to charge that for unemployed people who would regularly never use their bank. I do not have a car either, so I can not safely go withdraw the money from their bank in person. I have to transfer the money to my XXXX XXXX account so I can use the funds to write a check with my check book to pay my XXXX rent which is 21 days late. Currently, they won't let me access my funds at all because the Bank of America card has not come in the mail at all. Bank of America should not charge unemployed people fees for money transfer during the pandemic. If 6.6 million unemployed Californians each have to pay {$15.00} to have their unemployment money deposited into their normal bank account, Bank of America will have charged 6.6 million times {$15.00} ( 6.6 mil people x {$15.00} XXXX. This is {$99.00} million dollars in {$15.00} transfer fees. This {$15.00} is charged each time the user makes the transfer, thus since EDD funds are distributed monthly. The Bank of America could take {$99.00} million dollars of EDD unemployment funds from Californians each month of the pandemic, while electronic transfers are the safest option for our health.

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 2020-04-21 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 am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio to XXXX, GA. Someone in XXXX OH has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery harasses me about 6 times a day. I block their number and they find all my numbers and repeatedly and rudely harass me about a debt. Ive asked them to stop and told them Im in the process of bankruptcy and have a lawyer for that. They wont listen and when I block their number they call back with another one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
The loan is 26.60 % interest rate. The minimum payment is {$1300.00} each month. The principal amount is XXXX but The total amount to be paid is {$84000.00} on a 2015 XXXX XXXX. 

The loan is from One Main Financial We will be unable to make those monthly payments because our income has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: WI

Complaint narrative:
There is ( 2 ) hard inquiries that was placed on my credit report that was for XXXX  Card that were made on XX/XX/XXXX and XX/XX/XXXX to XXXX  Card| XXXX XXXX DE XXXX. 

I was XXXX  when these inquiries were made and I was not XXXX  until XX/XX/XXXX. I did not have access to the internet and was not able to apply for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANSUNION TWO MONTHS AGO, I WAS HAVING PROBLEMS WITH TRANSUNION REPORTING AND AFTER CONTACTING TRANSUNION I FOUND OUT I HAD AN UNWANTED AND NON REQUESTED FRAUD ALERT. I INFORMED THEM I WANTED IT REMOVED. THEY TRANSFERED ME TO THE DEPARTMENT WHERE I HAD IT REMOVED. 
ON XX/XX/2020 I ATTEMPTED TO APPLY FOR A CREDIT LINE AND I WAS DENIED. IT WAS BECAUSE TRANSUNION HAD A FRAUD ALERT IN PLACE AGAIN EVEN AFTER I HAD IT REMOVED, WITHOUT AUTHORITY. 
I ATTEMPTED TO SPEAK TO SOMEONE TO NO AVAIL I AM CONSISTENTLY HAVING LIKE ISSUES WITH TRANSUNION AND XXXX. I AM INTERESTED IN FINDING OUT WHY THERE IS UNWARRANTED ACCESS TO MY CREDIT REPORTING WITHOUT CONSENT.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
An internal transfer into checking {$2000.00}, transfer out of checking to another bank {$2000.00}, and check {$140.00} all posted to my account on XX/XX/20. The bank ordered the transactions with the credit last, and then debits high to low. This resulted in reversal of external transfer with additional negative repercussions, 2 NSF fees {$58.00} and bounced check. The money was in the account to cover everything that day XX/XX/20. How is this still permitted with CFPB protections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX i contacted Citizens bank to refinance my student loans i had with them. They instructed me to wait to hear back from them. I was simply refinancing through the same exact bank. After many phone calls back and forth asking what is going on and never hearing back. They finally refinanced my student loans. I just applied for a mortgage and found out that they reported a 30 day late on all 3 of my loans that have been consolidated. This is not my fault and this is GREATLY damaging my credit by 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: WI

Complaint narrative:
There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not XXXX  until XXXX XXXX. I did not have access to the internet while XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: PA

Complaint narrative:
Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2017 Balance 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 non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have contacted Zales/Comenity Bank several times on their unfair credit practices. As explained before I did not sign a contract which stated I would have 18 months interest free deferred. I was told by my the sales person I had free interest for 18 months, otherwise I would not have purchased a XXXX ring from this company. My ending balance with the company when the 18 months were over was XXXX when the " promotion '' ( XXXX didnt agree on ) was over by new balance was nearly XXXX once again. I have attempted to fix this with the company for over a year. They attempted to fix it last month but refused to correct the balance. I have attempted to fix this issue with the bank for over a year now. I would like for them to do the right thing and correct it to the original balance of XXXX, I will gladly make payments and pay interest on the corrected balance. I would also like to see the contract " I signed. '' I never signed this promotion nor did I receive a copy. If not then I will have to seek professional advice. I made payments while they were fixing the issue in good faith, only to be given the uncorrected balance once again. I have stopped making payments once again due to the unfair credit practices the company is practicing I do not agree with the balance they are reporting nor did I sign this contract. I made payments on time every month always above the minimum balance. I have been an excellent consumer to the company, until the issue came about and they refused to clarify or fix the issue.

Company response to consumer: Closed with explanation