vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This complaint is in addition to an already filed complaint. 
Original complaint # : XXXX. 
Original complaint synopsis ; I opened an account with TD Bank online and provided all necessary information. An account was opened and I received my debit card and all account numbers. I could not set up an online account access. The company informed me I must take I.D . to a physical branch in person to finalize process. There are no physical branches within 140 miles of my home and I do not drive. The bank transferred my initial deposit from my primary bank. I can not close the account without first presenting I.D . in person. 
New complaint. 
I received my monthly statement on XX/XX/2020. I have attached a copy. My initial deposit of {$50.00} has been reduced by {$16.00} in monthly fees. I have no access to this account yet they are deducting whatever they want until there is nothing left. Now I have {$34.00}. They have not responded to the initial complaint as of this date. I am having emotional distress and am forced to file a lawsuit if no satisfactory resolution occurs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: FL

Complaint narrative:
I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.

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 2020-07-08 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have contacted Westlake Financial in regards to a used auto loan I took out back in XX/XX/2011. I have asked for them to correct the misinformation they placed on my credit report about being late on a payment ( S ). They have been reporting this for over 10 years and will not respond or remove. I have even contacted all 3 bureaus to have it removed and not one of them will remove is when disputed several times.

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I called CREDENCE RESOURCE MANAGEMENT and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. 

I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. 

Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX  did not. I am requesting that these companies provide proper documentation supporting the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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: NJ

Complaint narrative:
there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my XXXX, transunion & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-07-08 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: NJ

Complaint narrative:
there is unathorized inqueries on my report. i have had a fraud alert on my report for XXXX years and have not ran my credit at all! please remove any of these inqueries from my XXXX, XXXX  & equifax and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MA

Complaint narrative:
My account was closed without my knowledge. I wasnt notified by Netspend I only became aware bc I contacted them to find out why I was locked out of my account. I was told my account was closed due to suspicious activity. This is ridiculous based on my activity. I received my unemployment direct deposit on the card, paid my bills on the card, used it to send/receive funds via XXXX, and used the mobile check deposit 3 times. My mother was added to my account a few months ago. She received a check from my XXXX for an upcoming trip for {$500.00} which I tried to deposit via the mobile check deposit then I was going to pay her credit card bill. She hasnt been going out due to Covid. The next day I received an email that they couldnt process the check which wasnt a big deal I could just bring to her bank to deposit however later that day XXXX tried to pay a bill and I was told my account was closed. Absolutely ridiculous Ive had this account for over a year I used to have direct deposit from my employer now its from unemployment. I asked to speak with a manager as I believed the account was closed in error to which I was told Id be transferred then proceeded to be left on hold for 1 hour 27 minutes then hung up. Ive sent multiple emails to find out when I would receive my check as I had approximately {$4300.00} in the account. On XX/XX/XXXX the account was closed I sent 2 emails the first was questions about why my account was closed the second regarding waiting on hold to speak with a manager/supervisor. They never addressed either concern but did respond on XX/XX/XXXX that Id receive my check in 7-10 days. I then emailed on XX/XX/XXXX, XX/XX/XXXX, and today XXXX to find out when my check was issued. I have not received a response and we are past the previously mentioned XXXX days as the account was closed on XX/XX/XXXX. My account was wrongfully closed and Ive had no access to my money. This has put me in a very bad financial situation the lack of ability to speak with someone at Netspend regarding the matter is completely unacceptable. Their lack of transparency and responsiveness is very unsettling to say the least. Withholding my funds not giving me any option to expedite this process is unethical. Ive attached a screenshot of my call to a manager that was never picked up as well as the sent emails to their customer service.

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I filed whatever I can proved that I am not in the state while they open my card through capital one, but their decision still remain unchanged. What is the reason for that? Look through all the transaction that they have made. Its all in the state. As I mention previously. I am not in the state during that time. How am I suppose to used all that? And did you guys not check the date on all the transaction? And the time that I left the state. Please check it carefully. I also filed a claim through FBI website, for internet crime. ( I have attach it below ). Am I not clear enough with what happened? I do not get the point that the decision remains the same. Give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: FL

Complaint narrative:
I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.

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 2020-07-08 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:
I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express cardmember since 1983. I have 3 American Express cards, including a XXXX card for which I pay fees alone of {$5000.00} a year. American Express wrongly charged fees of {$310.00} on my account and has been charging a " delinquency charge '' of {$39.00} a month since then. American Express has recognized its mistake on three occasions but refuses to credit my account for it, despite saying it will do so. I have spoken to a representative for each of the last 3 billing statements and on each occasion the representative assures me that the amount will be credited - but then fails to do so. I spoke with American representative XXXX on XX/XX/XXXX, who said she had " reversed '' the charge. She lied. I spoke with representative XXXX on XX/XX/XXXX. She said I would be " refunded '' for the charge. She lied. The only way I can hold Amex responsible for doing what it says it will do is to contact the CFPB. This has now escalated. The card with the wrong charge is my Corporate Card - and now my employer has started advising me that I am " delinquent '', which is ruining my internal reputation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Macy 's credit card about 7-8 years ago and I never missed a payment. It has not been almost 10 years and they are still stating that I missed or was late on a payment. I have asked for this to be removed several times and they will not. I have disputed many many times with the credit bureaus but they do nothing.

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 2020-07-08 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}

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 2020-07-08 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}

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 2020-07-08 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On multiple dates ranging from XX/XX/XXXX to present I get multiple phone calls a day from PRA Group, INC. Phone numbers all come from various parts of the nation from multiple area codes. Most recently from an XXXX number. I have no outstanding debts with this company and when I try to call any of their numbers back or when I answer the phone there is music playing and I usually hold off for a few seconds then hang it up. This company is harrassing me and call at the most inconvenient time including while I'm sleeping in the early hours of the morning starting around XXXX XXXX. I want this investigated please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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: FL

Complaint narrative:
Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: CA

Complaint narrative:
Several times for different background checks for employment ive seen now on my record it shows as if I have an active warrant which I DO NOT. It has my case from more recently showing I have even been to court since the supposed warrant issue date and I've confirmed multiple times with the clerk that I have NO WARRANT, yet it shows up as though I have a warrant for some kind of drug charge I know NOTHING about. This is affecting my life and ruining my employment chances and it NEEDS to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CO

Complaint narrative:
Experian should not be reporting collections/chargeoffs on the two ( XXXX ) XXXX XXXX XXXX XXXX partial account number XXXX in the amount of {$20000.00} and partial account number XXXX in the amount of {$10000.00}. ( Please see pages attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XXXX. These accounts need to be immediately removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.

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 2020-07-08 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
FROST BANK IS HARASSING ME AT MY EMPLOYER AND THIS IS A VIOLATION OF THE FDCPA I have been disputing this account by the name of FROST BANK since XX/XX/XXXX. It was opened XX/XX/XXXX, with the account number, XXXX with a {$770.00} balance. I've unsuccessfully challenged this account until now, and throughout this time of disputing I've gotten many calls harassing me. I believe the agencies aren't doing their job as I get the same typical response of correspondence. Under the FCRA, I am requesting exact proof of this negative information and help to stop FROST BANK FROM HARASSING ME - This negative information must be removed or corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I submitted an online refinance application to Caliber Home loans at the beginning of XX/XX/XXXX. When I didn't get a response I called them directly ( Around XXXX ) to start the process, they currently hold my mortgage. I got an email from the loan officer XXXX XXXX with rates for a 30 year FHA which is not what I wanted at all and then a request to sign a disclosure agreement. I had replied that I was not interested in that I was looking to move off of my 30 year FHA and over to a conventional with a shorter term. On XX/XX/XXXX, I got options for conventional loans. Shortly after I got a disclosure agreement in the mail. I sent an email asking about it since at no point had I selected one of the options. I got no response. I sent an email on XX/XX/XXXX, advising I had not received a response about the disclosure and would like to go with the 20-year conventional loan. I finally called and had to speak with a generic representative. I asked for another loan officer since mine was unresponsive. I then got a call from my original loan officer who said don't sign the first disclosure she would send the second. The second one came and I signed it on XX/XX/XXXX. I heard nothing else. On XX/XX/XXXX, I emailed and asked why I had not heard anything, was there something I needed to be doing. I tried to call and request again, a new loan officer or to speak to a supervisor which they did not do, they just had the same lady called me again. She sent an email saying my application was with underwriting and I would receive something from them if they needed something and it could take 3 to 4 weeks. I sent an email on XX/XX/XXXX, stating that I need information because I haven't heard anything and my cash-out refi in XXXX did not take anywhere near this much time. I did not hear back. I tried calling the loan officer but her phone says she is out of the office until XX/XX/XXXX ( 2 days ago ) and the main phone line says due to unforeseen circumstances they can not answer the phone and it just hangs up. I can't get any assistance because all the phone lines just hang up. I find this company to be so unbelievably unprofessional.

Company response to consumer: Closed with explanation