vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had an account with Experian. One day a few months ago I was unable to log in. Went through the process of resetting my password. Then they tell me my Social Security number and birthdate do not match. I called four different phone numbers and could not get a human being on the phone. I went online to confirm my identity and they will not let me submit it. If they have this information about me wrong what else is wrong on my credit report. I have done everything within my power to resolve the situation with absolutely no help from experian.

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 2020-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently checked my credit report and notice unauthorized inquiries from capital one auto finance and XXXX. I recently applied for a credit card with capital one and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Westlake Services, LLC
State: NY

Complaint narrative:
I recently checked my credit report and notice unauthorized inquiries from XXXX  XXXX XXXX XXXX  and XXXX. I recently applied for a credit card with XXXX  XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CORELOGIC INC
State: NY

Complaint narrative:
I recently checked my credit report and notice unauthorized inquiries from XXXX XXXX XXXX XXXX and credco. I recently applied for a credit card with XXXX XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank continues to put a hold on my account and my Dedit card since XX/XX/XXXX. 
On XX/XX/XXXX, and as per US Bank request I sent them a FAX containing copies of my Drivers ' License, my home electric bills, and my cell phone bills as identity verification, then they released the hold for the first time. 
On XX/XX/XXXX, I started to perform my first transactions, it was 2 online transfers from my US Bank account to my XXXX Personal Checking Account. 
The first transaction was a {$2000.00} transfer I performed at XXXX XXXX, and the second transaction was a {$500.00} transfer I performed at XXXX XXXX. 

US Bank only cleared the second transfer of {$500.00} on XX/XX/XXXX but hold the {$2000.00} transfer, hold all my account balance, and deactivated my debit card. 
And this {$500.00} transfer was my first and last transaction that US Bank processed to my account, as the bank continues to hold my money for unknown reasons. 

On XX/XX/XXXX I called them again at their phone number XXXX, and after a more than 1 hour and 15 minutes waiting, they answered my call, the US Bank 's agent stated that they need me to FAX them a copy of my Driver 's License to release the hold placed on my account and card. 
I informed her that I have already Faxed it to them, she said I must send it because it is not in file. 
On XX/XX/XXXX I faxed a copy of my Driver 's License and a letter ( attached ) to US Bank asking them to release any hold placed on  my account, but the hold never been released. 

I called US Bank today XX/XX/XXXX to check my Card/Account 's status, the US Bank agent confirmed that I have to wait from 10 to 15 business days from today for the hold to be released.

I believe that US Bank is violating the Federal Reserve Regulation CC for Funds Availability, giving me a really hard time through this Pandemic, and hold my money for almost 2 months and a half for unknown reasons.

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 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX XX/XX/2020 my sender from XXXX transferred XXXX Euros to my bank account in XXXX. 

Unfortunately she missed one digit of of my bank account. We have tried to ask Transferwise yo bounce back the money to her but till today over three weeks nothing yet. 

We feel so frustrated by transferwise bearing in mind the sender is a bit aged and tired to keep following. 

It is illegal for them to keep that money for all that time. Kindly help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent them copies of receipts collections paid off. I disputed information 2 times and after investigation they said information is correct.

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 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent them copies of receipts collections paid off. I disputed information 2 times and after investigation they said information is correct.

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 2020-09-08 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: MI

Complaint narrative:
I sent them copies of receipts collections paid off. I disputed information 2 times and after investigation they said information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I submitted a complaint on XX/XX/XXXX complaint number XXXX I have more to that complaint yes when I called the bank and ask them what happened to my money they said they had no record of it on there computer I'm singing I'm looking at this on my statement on my internet my phone they say no I have it on my phone if you want to check you have my email address that XXXX XXXX took {$88.00} out of my account 7 different times and {$42.00} and some cents from a place called XXXX XXXX the {$88.00} came from a XXXX XXXX store in XXXX Maryland my crew told me that my hundred-million-dollar crew he is taking more out different times and also yesterday XX/XX/XXXX he had my debit card taking off they said lost card when I try to use it please help if you can

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom this may concern, I have applied twice for a Paypal Cashback Mastercard that is issued by Synchrony bank. And I have twice been denied. I called the banking company to see the reason. And I have not gotten a direct answer as to why. My credit is in good standing and I have XXXX debt collections.

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
Have not been able to access the PA Eppicard website to look at child support amount for over a week now. Customer service has been zero help. Calling for balance charges you. The site needs to be accessible to check balance and transfer funds! I know I am not the only one having these issues. So I don't understand how they have not addressed this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has repeatedly denied attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting on my credit report. XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 3. XXXX  and XXXX  already found the reporting to be erroneous and from eight years ago.4.  This reporting is in violation of XXXX XXXX XXXX Texas, XXXX XXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX Texas in XXXX of XXXX - XXXX of XXXX. They received payment from XXXX of XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XXXX XXXX XXXX received Payment in full. The record are listed below. 1. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} 2. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} 3. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} 4. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} 5. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} 6. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} 7. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} 8. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} 9. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} 10. XXXX   XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} 11. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 12. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} 13. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} 14. XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00}

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 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I got a letter from Cavalry on XX/XX/2020 about an obligation for XXXX. With all the scams going on, I sent a validation letter on XX/XX/2020. Calvary responded on XX/XX/2020 which incorporated a generated bill statement expressing that was confirmation and it's my obligation which doesn't meet the FTC guidelines of what constitutes proper debt validation is. None of the documentation had my signature on it and the pertinent documentation mentioned to demonstrate the debt is mines wasn't sent. I reacted with a second letter on XX/XX/2020 requesting them to validate the debt and informing them of their violation of the FDCPA. I've enclosed all letters sent and received. I'm waiting now on my request for a validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I never requested for an extended fraud alert to be added to my Equifax, XXXX  and XXXX XXXX credit report. I do not want a extended fraud alert or any fraud alert on my Equifax, XXXX  and XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
LoanCare applied my XX/XX/2020 payment to my account and then reversed it to another persons account in XXXX and will not reverse the credit after providing proof of payment and it's been since XX/XX/2020 and still has yet to be corrected! I had received help from XXXX XXXX XXXX XXXX through Covid for 2 months of Mortgage help. LoanCare keeps " researching '' where they reversed my payment to another customer 's account and after submitting PROOF of the check and CACS, myself and LoanCare talking on the phone ( all three of us at the same time EVERY SINGLE WEEK SINCE XXXX ON MONDAYS ), they can not seem to reverse my payment and hurting my credit score for something THEY need to correct! 
Also, the newest issue ... I made yet another payment XX/XX/2020 and they OVERCHARGED my account another {$20.00} without permission and is holding the {$26.00} that is suppose to go to principle in " suspense '' for NO reason and when calling to get that corrected XX/XX/2020 they said they will correct that THAT day and will see the correction within 24-48 hours and STILL have yet to see that change!

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 2020-09-08 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: FL

Complaint narrative:
On XX/XX/2020, I check my Credit Karma and I seen that XXXX/XXXX ( Complete Dept.stores ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. XXXX/XXXX  reach back out to me and said that they're no account that below me that's current in their system. Which that this information is reporting inaccurately and needs to be remove. You can reach me at XXXX if you have any question or need any help with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XXXX, XXXX XXXX XXXX erroneously reported to Trans Union that I filed bankruptcy on a {$3200.00} loan/line of credit. This error has significantly impacted my credit score and presented several challenges to my borrowing capacity. None of the other reporting agencies show this bankruptcy on my credit. I have since contacted XXXX XXXX XXXX multiple times and they have repeatedly told me that they have contacted Trans Union and informed them of their error ( I did not file for Bankruptcy ). I have also attempted to dispute the claim with Trans Union, to which they have written a note that the account was closed, but have not removed the bankruptcy from my file ( saying it would fall off my record in 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 2020-09-08 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I never requested for an extended fraud alert to be added to my XXXX, Experian and XXXX XXXX credit report. I do not want a extended fraud alert or any fraud alert on my XXXX, Experian and XXXX XXXX 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 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-08 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: MN

Complaint narrative:
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020

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