vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-05 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: TX

Complaint narrative:
THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s

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 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I sent Fidelity Credit Services a certified letter in the mail disputing the account and requesting information of the validity of the account. They never got back to me. The letter was sent on XXXX XXXX. I have the tracking and confirmation of the receipt. The tracking number is USPS XXXX. On XX/XX/2019 Fidelity appeared as a collections on my credit report. I tried calling them in XXXX and told them I was disputing the existence of the account and that I needed proof of the amount owed. They told me they were not going to provide me with anything and that I should contact the original creditor or my credit report would be ruined in XXXX. The amount is {$4800.00}. I do not believe I owe any of the amount. A judgement was never awarded against me. I never authorized any charges and I never opened any account with Fidelity nor the original creditor. The original creditor was my previous landlord. I payed rent every month early and provided him with a 30 day notice upon moving out. The claim is his word against mine. The amount he requested was {$4700.00} for damages. He would not provide any receipts or evidence of the damages he thought was done. I told him I would be more than happy for him to take me to court for that amount and to get a judgement in his favor, but he would not do it. I lived there for 2.5 years and there was minimal damage beyond aging of the dwelling. The original creditor would not provide me with a judgement or appropriate evidence of the amount owed and instead turned it directly over to Fidelity and has refused to respond to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: FactorTrust, Inc.
State: TX

Complaint narrative:
THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
XXXX keeps calling me after I have told her to stop calling me regarding someone who has used me as a reference. 
. 
I do not have a loan with this company and they keep harassing me after I have repeatedly asked them to stop contacting me. 

This company has called me several times a week since XX/XX/2019.

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 2019-05-05 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: AL

Complaint narrative:
I'm written this complaint because I am a victim of fraud and the company name are XXXX XXXX in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX they remove the fradulent account but Equifax I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to Equifax I want it remove from my credit report this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is doing a big fraud with me, I am not going to use Capital one card for big transactions anymore. I disputed three transaction 3 months ago, one was the XXXX for {$93.00}, the second one was for {$300.00} the home inspection one and the third one was the {$140.00} one. For several days capital one gave me a credit for all three transactions and now they added it back on my credit card and sent me a letter for two of them, {$93.00} and {$300.00} and said that they are going to reapply the credit on my credit card before the transaction is completed. 

This is a big fraud bank. Why they gave me a credit at the first place if they wanted to reapply it again and that too after so many several months. 

Please see the attached screenshot and a copy of the letter I received from them. 

I am going to return all big purchases on this card and put it on XXXX XXXX who is not a fraud like this bank and is more reliable and doesn't play a vicious circle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
At the start of 2019 my credit scores reported by Experian and XXXX were both in the range of 810 to 820. As of XX/XX/XXXX, my credit scores are being reported in the range of 670 to 690. As a result I have been denied a loan to cover required home improvement projects. 

The only changes that might have affected my scores are 1 ) my wife died on XX/XX/2019 ; 2 ) XXXX XXXX lowered my credit line from {$16000.00} to {$8000.00} with the explanation that I had not used enough of my credit line in recent months ; and 3 ) a  disputed payment totaling {$420.00} was reported as delinquent without notification to the credit reporting companies that I had disputed the charge, or why. 

Should the death of my wife, or an arbitrary action by XXXX of lowering my credit line ( they have also arbitrarily raised my credit line several times since I have had the account ) or a disputed, unpaid charge for a mere {$420.00} cause my rating to fall to the point I can not now secure a loan? This seems grossly unfair.

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 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A company, XXXX XXXX XXXX XXXX at XXXX called repeatedly on and around XX/XX/XXXX stating that I owe past overdraft amounts from XXXX on a closed Wells Fargo bank account. They said that if I didn't sign an agreement to pay immediately ( {$420.00} ) and give my bank account information that they would serve me with a lawsuit. I asked for a written confirmation of the debt and they said they didn't have to give it to me and could take criminal and legal action immediately if I didn't sign. 

I gave them my bank account information and signed an agreement to pay without realizing that my rights were being violated. 

Since then, I have called the company and left 3 messages ( they do not answer the given phone number ). I searched for the company 's website and could not find it. There is no address on the written agreement to pay, and so I am unable to write to the agency. I reported possible fraud to my bank and they froze my debit card to avoid withdrawals. I checked my credit report from all three agencies and no past due or collection accounts have been reported. 

The company has also left voice mail messages for my mother saying that I had been " served '' with a lawsuit and that they would take legal action against her, as well. 

Please help stop this violation of consumer rights. 

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
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
open a cfpb dispute in XX/XX/XXXX and now credit card compay is doing every thing they can to retaliate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just opened a Wells fargo complaint XXXX few days ago and the company just closed it stating that the promotion code was not added at the time of opening the account which is nothing but just utter non sense. At the time of opening the Business checking Account I made it sure that the Bank Employee enters the Promotion code and it was a XXXX guy, I also called the customer care and they agreed that the promotion code has been entered and it is just the matter of 60 days and then I will get my Bonus. This is non sense. What kind of bank it is?

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 2019-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC
State: TN

Complaint narrative:
Every month I try to actively communicate with my Prizm Financial. Every month I am threaten with the automobile being reposed. I would love to continue communication with out the threats of repossession. I am 1 month behind I a received a threating email over the week that if I don't respond to the email by the of the day on Monday my car will go to the final stages of taking the car back. I have rights. I have a right not to be stressed monthly. I understand what I have signed up for. The last 2 years have been very hard however, when I can pay I will pay. I will communicate and do communicate but this form of harassment is very uncomfortable and I wish it would stop. I get emails from many, many, many people in the company and I would like to only communicate with one.

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 2019-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2019 XXXX Sunday my vehicle was stolen from my house with my wallet inside. My Chase debit card was used without my permission or knowledge at a nearby XXXX. I filed a police report with the XXXX PD and was informed that video surveillance was captured of an individual who was not me using my debit card. I received a couple text messages from Chase alerting me of the fraudulent card uses. I cancelled the debit card and had a new on issued. After Chase 's supposed investigation Chase determined these charges to be accurate and are not going to refund my money. Chase 's fraud protection program is false advertisement at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I need to file a complaint on Experian each time I sent in a dispute they keep claiming to have verified the inaccurate account but however Experian you are violation the fcra by not sending out a updated credit report I expect each time I submit a dispute I except you to send me a updated report I have received 2 updates from you just this weekend almost could you please enclosed a copy of the updated report. Also when I send I. Dispute I will expect a updated report thank you

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 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 
Chase XXXX Applied on XX/XX/2018 XXXX DE XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX   XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX   XXXX XXXX MN XXXX XXXX Rise XXXX XXXX XXXX TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 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:
Someone has been using my identity to receive medical treatment. There are 3 separate instances of these incidents that occurred in all 3 credit bureaus. I have contacted the credit bureaus in the past regarding these accounts. The accounts still remain. I have also filed a complaint with the FTC website in addition to the companies involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
would like credit inquires or hard pulls removed from my credit report. It tremendously effects my credit score. 

Applied on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX Capital one XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/ XXXX   XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , ND XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX , TC XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I received notification from my credit report that Consumer Portfolio Services reported that I was late for my car note payments XX/XX/2019 and XX/XX/2019. My monthly payment are due every XXXX of the month. My payment for XXXX is not due until XX/XX/2019. So I am confused as to why it is reporting on my report as 30 days late. I spoke with some one over chat about this and was advised to contact the tradeline department at XXXX. When I contacted this number I was instructed to leave a voice mail message. To date I haven't heard anything from them to resolve this issue. I am requesting that this be removed from my credit report immediately as this is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
they keep charging me for dispute i keep making and they wont credit my card even though the merchant even said the accept the refund and agree to charge back see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I would like to get the hard credit pull on behalf of Exter Financial in XXXX TX removed from my credit reports all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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:
Someone has been using my identity to receive medical treatment. There are 3 separate instances of these incidents that occurred in all 3 credit bureaus. I have contacted the credit bureaus in the past regarding these accounts. The accounts still remain. I have also filed a complaint with the FTC website in addition to the companies involved.

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 2019-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Harvard Collection as place a collection account on my credit report even though I've never been in any business with them. ask for verification of account but hasn't gotten any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: CT

Complaint narrative:
On XX/XX/XXXX someone took out a personal loan in my name in the amount of XXXX i noticed this on my credit report around XX/XX/XXXX and sent a letter with my FTC report asking the credit company to either block or remove the fraudulent account because it is affecting me from receiving credit. the company has refused to remove or block the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: CT

Complaint narrative:
On XX/XX/XXXX someone took out a personal loan in my name in the amount of XXXX i noticed this on my credit report around XX/XX/XXXX and sent a letter with my FTC report asking the credit company to either block or remove the fraudulent account because it is affecting me from receiving credit. the company has refused to remove or block the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Never authorized XXXX XXXX to conduct a credit check from Wells Fargo on XX/XX/2018 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 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Never authorized XXXX XXXX to conduct a credit check from XXXX XXXX on XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/XXXX J.P.Morgan Chase Bank without any explanations closed my joint with my wife accounts. 
As I have been told by phone The Bank issued two Cashier 's cheques # # XXXX and XXXX, but sent them to the mailing address that I have been using for correspondence with the bank till XX/XX/XXXX. As since XX/XX/XXXX my banking statements and other mail from the bank were correctly sent to my home address in XXXX XXXX ( Attachment_01 ) such a mistake looks for me inexplicable. 
In XX/XX/XXXX I finally managed to file a Claim XXXX which was closed and reopened in April ( Attachment_02 ). During phone calls with constantly changing managers of Branch Complaint Escalation Group ( example could be seen in Attachment_02 ) it turned out that the only way to get my money back is to file a Declaration of Lost, Stolen or destroyed cashier 's check ( Attachment_03 ). The declaration concerns issues when check is physically lost or stolen and should be considered as a equivalent of sworn testimony in court and therefore must be notarized, in my situation in US Embassy in XXXX. 
The Bank forces me to make a false statements for which I have been already sent a blank declaration form twice ( see Attachment_04 ) by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
MyschoolloanwasthroughSallieMae.ThenIwasinwhatIthoughtwasaloanforgivenessprogram.NowsomeoneelsehasmyloanandSallieMaewillnottalkwithme.Thenewagencyhasattachedmywagesandkeepsmyincometaxreturn.IneverreceiveanythingsayingmyloanisgoingdownorhowmuchIstillowe.Ishouldofcompletedtheloanforgivenessbynow.Igraduatedin2001andworkforanonprofitwithchildrenwithXXXX.HowdoIgetthisloanforgivenandstopwageattachment?MyoriginalloanwasXXXX.Eachtimeitchangehandsitdoubled.WentoverXXXX.

Company response to consumer: Closed with explanation