vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06 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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Northstar Education Finance Incorporated
State: DC

Complaint narrative:
I received a letter from my student loan lender Northstar, which claimed that they would be suspending the repayment bonus for my loan. In the form letter it states that the T.H.E. Program was merely a gratuitous reduction but it is a contractual obligation. 

Northstar settled a similar suit in XXXX after it similarly suspended the program in XX/XX/XXXX under the justification of ongoing disruption in the global markets. That deal required the lender to honor the interest-lowering program for the remaining life of the loans.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-06 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: DE

Complaint narrative:
Debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Having problems finding out LTV from mortgage servicer. I am trying to find out when PMI can be removed.

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 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
ADDITIONAL INFO Genesis Credit Management Calling me every time asking me if I have received a tax return, asking me to tell my son to go and get loan from the bank and Suggesting the bank too, everyday keep calling and stressing me up. All the time he keep asking for my tax refund all the time and asking me to send my tax return to pay for the debts, am tired of this person calling me all the time everyday and also give me the personal cell phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I wrote to Chexsystems in order to dispute some inaccurate personal information being reported on my file on XX/XX/2020. There were old phone numbers that do not belong to me listed in my file as well as addresses at which I do not currently reside. There were also misspellings of my current address that were missing my apartment number. On XX/XX/2020, I received their response. ChexSystems responded by saying that the information could not be removed because it was either given to them by me or reported by other sources. However, they did not address whether the information was accurate or inaccurate. They just refused to act. They can not maintain phone numbers in my file that do not belong to me. Any phone number at which I can not be called is inaccurate and irrelevant to anyone obtaining my report. The same is true for the misspelled or incomplete addresses they have listed. I honestly can't believe they are making it this difficult to correct my personal information.

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 2020-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I received a check from the Wells Fargo XXXX XXXX XXXX in XX/XX/XXXX, the check was made payable to my father who is deceased. On XX/XX/XXXX, I contacted Wells Fargo, spoke with XXXX advised her my father has passed, I am the Executor of his Estate and asked they reissue the check in my name. I was advised I would need to formally request this to be reissued and she would send me a form to complete. I called on XX/XX/XXXX spoke with XXXX and advised her I still had not received a form, I was advised it was in the queue to be sent this XXXX take 14 days. I received a Reissue Request Form, I completed the form, included a copy of my XXXX Death Certificate, Last Will and Testament, Statement of Informal Probate of Will and Appointment of Person Representative, Letters of Personal Representative and Acceptance as instructed on the form and returned on XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX and was advised they received my all documentation and were processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and advised " Wells Fargo was experiencing system issues since Saturday, she was unable to access my account, she will take my information and call me back when the system was back up '' I called again on XX/XX/XXXX spoke with XXXX, I was advised still under review, Research Team is not taking calls at this time, she will mark this as " high priority '' and have someone contact me within 72 hours. I called on XX/XX/XXXX spoke with XXXX who states still processing, she will request it be " escalated and have someone get back to me, she could not/would not transfer me to someone who could actually assist me. I am EXTRMELY disappointed and appalled in Wells Fargo handling of this very simple straightforward request.

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 2020-04-06 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:
This is a formal complaint against Equifax Information Services. I am making this complaint through the CFPB, I have noticed that there are many irregularaties with my credit report with Equifax, and many variations and incorrect information with my personal information. I have requested for about 90 dye for the information about these accounts.I have noticed that weekly, that every time I make a call to try to dispute these accounts there is different information every week. This situation has me very stressed and confused, I don't understand why there are these irregularities and variations with my credit report. I want to be very specific with this complaint because I am going to name all the documents that I am going to send and attached so what has happened before doesn't happen again, where only half of documents arrive, they may come incomplete. The documents that I am sending is to report that I am a victim of Identity theft, accounts have been opened under my name without my permission, with addresses that I have never lived in or recognize, phone numbers that never belonged to me, etc. The names and number of the accounts every week change every week and I don't understand why. That is why I am making this complaint with CFPB and send the documents through here so there is a third party as a mediator to make sure everything is up to standard. They are going against the law under FCRA 611 ( a ) to request a complete description of all the methods used to investigate my dispute. I want to make sure that the personnel of Equifax has been friendly and helpful with everything but I don't understand why there is such a mix up with the information, maybe there is a miscommunication, I had to make this complaint because these things don't make sense. As well as to avoid the loss any documents the, I have sent, this has happening since the first week of XX/XX/2019. I am very stressed with this irregular situation in my credit report with Equifax, a situation that does not happen to me with XXXX XXXX XXXX XXXX  
I Make this complaint through this sway because it is the only way make sense of all the irregularity in my Credit Report with Equifax it blows my mind to know that every phone call make to Equifax every Week give me credit information different, it is impossible to be truthful with them, every day my credit report accounts that change the list of accounts or their status from one day to the next worst thing is that all the documents I send certified mail, don't arrive or if they supposedly arrive they arrive incomplete, which seems very strange to me because this happens????? 



DOCUMENTS ATTACHED : XXXX ) LETTERS DISPUTING ACCOUNTS XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT FTC XXXX ) DRIVER LICENSE XXXX ) SSN XXXX ) PASSPORT XXXX ) COPY OF 605 ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian investigated the original dispute in XX/XX/2019 and removed XXXX from the credit report as shown in my credit file. Experian then allowed XXXX without valid or legal proof to put the derogatory account back on my account. The other 2 Bureaus XXXX XXXX XXXX  deleted XXXX XXXX from their bureaus. Experian failed to ask me to provide documentation and proof that XXXX XXXX was fraudulently put back on my Experian Credit File. In fact Experian failed to provide me the documentation XXXX XXXX provided to Experian showing the account is valid.

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Chase tried to take an unauthorized payment for my Chase cc from an account they were not authorized to use ... was authorized in the system for XXXX ( I only get paid once a month, at the beginning of the month ) from an external account. Payment is not due until the XXXX of the month, but I like to pay my payments early. 
They charged {$27.00} returned payment fee to the cc XX/XX/XXXX for the above mentioned transaction. Almost a month later? No, not right! Coincidentally I filed my first complaint against them XX/XX/XXXX. 
Chase must be going bankrupt trying to steal from me as many ways and times as they have been. 
Their customer service, on line systems and customer service is in the toilet and has been since the beginning of the year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently turned XXXX and am looking to apply for a credit card so that I can start building credit. I wanted to check my credit score and chose to do so with Transunion because they advertised the credit report as free. I checked my score on  XX/XX/2020. After giving them my information it turned out there was a XXXX} fee for the report, which I accepted. I was billed the XXXX} fee on the same day and after re-reading that email I see that it said " You have purchased a subscription product. For your convenience, your payment card will automatically be charged XXXX} ( plus tax where applicable ) per month, while your subscription continues. '' Yet, I was charged XXXX plus tax on XX/XX/2020. There was no clear indication that I was signing up for any type of membership or trial period that would need to be canceled before I was charged 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 monetary relief
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I opened a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ) with First Citizens Bank. On XX/XX/2020 I received an email stating XXXX additional accounts were opened and ready to use. XXXX was a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). First Citizens Bank fraudulently opened this second set of accounts under my name. After informing the bank of this fraud, a Customer Support Specialist by the name of XXXX stated : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate that a total of XXXX accounts were opened in the month of XXXX. The accounts that you noted, were opened two days prior to the other checking ( XXXX ) and savings account ( XXXX ). First Citizens Bank does not open accounts without a direct request from our customers. For security purposes, we require a signed letter to close an account. If you are unable to close your account at the branch, you can call us directly at the number below to close your account by email. You can also close your account by submitting your request in writing to the following address : First Citizens Bank Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX Please enclose your account number, your signature, and instructions on where to send any remaining funds, as well as a good daytime phone number should we have any questions. You XXXX also fax your request to XXXX. If you are closing your account within XXXX months of opening a checking or savings account with us, you are subject to an early close out fee of XXXX  

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. '' I am attaching the emails confirming the dates I stated which contradict the Customer Support Specialist 's claims. First Citizens Bank is refusing to close the fraudulent accounts they opened unless I pay XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX  IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX  XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation