vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GM FINANCIAL located at XXXX XXXX XXXX STE XXXX XXXX XXXX, TX XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: First Help Financial, LLC
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from FIRST HELP FINANCIAL , LLC located at XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2020-06-09 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: CA

Complaint narrative:
EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Home Projects Account Number : XXXX XXXX XXXX XXXX Purchased a new Air conditioner by availing an amount of XXXX XXXX=per billing cycle as of XX/XX/XXXX under a fixed installment plan of {$220.00} per month. 
The Card was issued to XXXX XXXX XXXX XXXX NJ At the time of purchase I was told it's a no interest funding as a part of the special terms extended by the bank under the arrangement extended to the customers of the subject company to attract my business. 
As of XX/XX/XXXX the balance due was shown as {$3000.00} as I have been paying my installments regularly. 
AS OF XX/XX/XXXX THE BALANCE DUE SUDDENLY INCREASED TO {$5700.00} AS THE BANK MADE AN UNAUTHORIZED INTEREST ADDITION FOR AN AMOUNT OF {$2800.00} WITHOUT MY CONSENT OR AUTHORIZATION. 
MY MONTHLY INSTALLMENT NOW IS BEING SHOWN AS MINIMUM PAYMENT DUE AND FROM NO INTEREST I AM BEING SUBJECTED TO PAY AN APR OF 28.99 %. 
PLEASE INTERVENE AND SAVE ME OF THIS HARASSMENT DURING THIS PERIOD OF HARDSHIP AND CRISIS DUE TO COVID 19.ALL OTHER BANKS ARE OFFERING RELIEF WHILE WELLS FARGO IS ACTING AS A PROFITEER. 
I AM A SENIOR CITIZEN AND FEELING HELPLESS THANKS AND REGARDS

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 2020-06-09 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I sent information to XXXX, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to XXXX  extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is TransWorld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Lendmark Financial Services
State: MD

Complaint narrative:
XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from LENDMARK FINANCIAL SVCS # XXXX located at XXXX XXXX XXXX XXXX  GA XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER, has had the amount of {$5700.00} on my credit for the past 10 years, this amount which was supposed to be paid off by the GAP insurance company at the time off my accident. 
The vehicle was a total loss deemed by the insurance company, after 6 months the balance was placed on my credit and when I called to find out why they said ( SANTANDER ) never called the GAP insurance provider to have the balance paid in full. ( which was not my fault ) This has been on my credit for the past ten years, which is past the statue of limitations. 
And the balance keeps going from a collection account, to now back to a OPEN charge off account. 

Also the account is currently showing an incorrect payment date, is has a last payment made of XX/XX/XXXX, but my last payment made was back in XXXX since the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NY

Complaint narrative:
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

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 2020-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: IL

Complaint narrative:
I am a victim of XXXX XXXX I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: IL

Complaint narrative:
I am a victim of XXXX XXXX. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-09 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: CA

Complaint narrative:
TRANSUNION FRAUDULENT ACCOUNTS XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2020-06-09 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: CORELOGIC INC
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDCO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
End of XX/XX/2020, I requested my credit report and was denied. According to Transunion I was not providing enough personal information. I was sent information in Spanish which I did not understand and had someone translate for me. When I sent my request, I sent a copy of my drivers license, utility bill, internet bill, and social security. I was denied my annual credit report. 

In XX/XX/2020, I called and ask for my report and they assured they would sent it and in the language that I understand which is English. Once again they sent it in Spanish and three weeks later the same. I felt discriminated because my name has latin origins and I have not had an account with Transunion to elect another specific language. 

In XX/XX/2020, I expressed my frustration of not being able to read my own credit report because it was in Spanish and they reassured again it would be in English. Once again I received it in Spanish so I am unable to identity which information is mine and not. 

Attachments show them in Spanish. I never selected Spanish. I speak only English.

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 2020-06-09 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: IL

Complaint narrative:
I am a victim of XXXX XXXX. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-09 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: CA

Complaint narrative:
EQUIFAX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from COMENITYCAPITAL/XXXX XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX  account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily. 
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XXXX my Wells Fargo Debit Card was declined at the Grocery Store. I called the number on the back of the Wells Fargo Bank card. I was told BOTH accounts that i am Trustee for, have been closed " due to fraud ''. " Due to fraud '' was the reason i was given and was told they can not give me any more information without talking to the Bank. I called the Bank that same day and as usual, nobody picks up the phone. I go home and check my email. There is an email dated XXXX From XXXX XXXX, a Financial Crimes Associate of the External Fraud Investigations for Wells Fargo Bank, from XXXX, TX. On XXXX i sent a reply email to XXXX XXXX and to date, XXXX XXXX has failed to Reply to my email. On XXXX i checked my phone messages and found a message from the Wells Fargo bank dated XXXX, the message said " There is an issue with XXXX of your accounts and we need You to contact us at the Bank ''. Nothing else was said, no explanation of any kind. On XXXX i called the Bank at XXXX and XXXX at about XXXX ... .No answer after ringing about XXXX times. I called again on the same day, this time at XXXX ... to which the phone rang again about 50 times with NOBODY answering. I called again at XXXX and continued to call OVER AND OVER letting the phone ring til their phone system would hang up on me. On XXXX, I called Wells Fargo again at the XXXX and XXXX branch ... ... NOBODY WILL PICK UP THE PHONE ... .1st call was around XXXX, it Rings and Rings and they never pick up ... .Same thing at XXXX, XXXX, XXXX, XXXX and XXXX. Since this is Typical behavior of Wells Fargo and ALL it's XXXX locations. Approximately 1 week later, in XXXX, i get 2 letters in the mail from Wells Fargo Bank dated XXXX. XXXX letter is a Check for the remaining XXXX Funds from 1 of the accounts that was closed. The other letter is a Statement for the 1 closed account. There is no explanation about the Other Trust checking account, there is no explanation as to why either accounts were closed, why the fraud department was involved ... .NOTHING. No Explanation. Wells Fargo closed both accounts claiming Fraud over the phone, then they issue me a Refund Check and provide NO EXPLANATION about the alleged fraud and why the 2 accounts were closed.

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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have had my account restricted for going on a year now. Months ago I gave up until recently when I needed to send money for an Emergency. With that I loaded XXXX using my PayPal Debit card to my account only to find out My account is still limited so I basically am not allowed to do anything with the money I just loaded into my account. I have no less than 4 times sent PayPal the documents and identification requested by them to verify I am who I am which is the so said reason my account was restricted. It just sits there in the resolution center most of the documents say approved but the CC and 1 other document I sent just sits there saying submitted pending review That has been that way for over a year. Of course you can not call them and forget sending them a message I never have received a response the countless times I have tried contacting them

Company response to consumer: Closed with non-monetary relief