vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
USDIRECTEXPRESS XXXX XXXX am XXXX XXXX, i called usdirectexpress to dispute fraud use on my card. i disputed them. they said, they would send me out dispute forms. they did not send dispute letters and said i had until Tuesday XX/XX/2022 to return it. tomorrow is XX/XX/2022. if it's not back in time XX/XX/2022 i get no relief from FRAUDENTLY ACTIVITY ON MY CARD. PRETTY MUCH I'M JUST SCREWED BECAUSE IT'S NOT BACK IN TIME, more than XXXX dollars i'm going to lose because they refuse to send me my dispute letters. is that criminal, allowing a federal recipient to be fraudulently taken advantage of, when they were told to have them bill me, no more because i don't go on dating sites and plus other non-authorized charges. I'm calling about fraud and the first thing i am asked is, what's your ss #. refuse to let me speak to a supervisor. XXXX and XXXX in disputes, XXXX XXXX, they say it's no other way to access my account ( DISPUTES ) and i know that not to be true. now I'm being lied to. As the police said, he never has to give his ss # to his bank when he calls. then they leave me on hold for over an hour AND A HALF, when they know time is of the essence, straight b.s'n. if they don't want to do their jobs correctly then why are they even employed, I'm confused. then they want to get upset because i'm upset due to their incompetence. never waited over an hour AND A HALF to speak to someone, so i see it as deliberate and malicious. and want to press a formal complaint against the dispute dept. namely, XXXX XXXX XXXX? ) AND XXXX AND XXXX, refuse to give last name but it's required i give them mine. YOU'RE NOT GON NA BE UPSET AT ME BECAUSE YOU FAILED TO DO YOUR JOB. I INCLUDED A PIUCTURE OF THE DELIBERATE WAIT TIME I HAD TO ENDURE AT INCOMPETENT PPL HANDS. 

XXXX XXXX -WANTS HIS MONEY BACK FROM BEING FRAUDED! THE LACK OF HELP MAKES THINK, NOT GOOD OF THEM MAYBE GET PPL THAT ACTUALLY WANT TO RESOLVE YOUR ISSUES AND THAT GIVE 2 XXXX  AS... WHILE PERFORMING THEIR JOB CORRECTLY. PICTURE OF DELIBERATE WAIT TIME ATTACHED : RELIEF SOUGHT : 6 MONTH PROBATIONARY PERIOD, NO-ONE SHOULD BE SUBJAGATED TO THIS FOOLISHNESS. I TOLD THEM THE BANKING TREASURER NEEDS TO KNOW HOW THEY TREAT, THE ALREADY SCAMMED. LAST DIGITS XXXX OF CARD ; TEL # XXXX ; I GUESS THEY CALL THEMSELVES BEING A SMART AS- 90 DAY PROBATION FOR THE CRIMINAL NEGLIGENCE UPDATE : AFTER WAITING AN XXXX HOUR AND XXXX MINUTES DAYSHAWN ANSWERS THE PHONE, I TALK TO HER ABOUT XXXX MINUTE AND SHE HANGS UP, WASN'T YELLING IN MY UPSET, I JUST GOT ROBBED VOICE. FIGURE THAT OUT XXXX TIME TALKING TO HER. XXXX MENTALITY... EASY TO COLLUDE AGAINST THE LESS FORTUNATE. NOW THEY NEED TO BE FIRED, FOR CAUSING DELIBERATE AND MALICIOUS FUDICIARY INJURY AGAINST A MEMBER OF A PROTECTED GROUP. OF COURSE, DONE WITH THE SUPERVISORS BLESSINGS, THEM TOO! 

XXXX BANKING XXXX XXXX : XXXX XXXX SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: PA

Complaint narrative:
The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX XXXX but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.

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 2022-01-16 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: PA

Complaint narrative:
The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX XXXX but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.

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 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM O IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent in multiple documents that was asked of me. Transunion keeps ignoring my request, experian will not remove old addresses asked of them and XXXX updating my information wrong.

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 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: MN

Complaint narrative:
I received two unsolicited text messages from Halsted Financial Services ( HFS ), both purporting to collect a debt due by me to XXXX XXXX XXXX XXXX. I have never owed a debt to XXXX XXXX XXXX, although I hold two deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced XXXX XXXX XXXX  and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the HFS that it authenticate the debt and that it cease and desist from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: KEYCORP
State: NY

Complaint narrative:
Keybank put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. Keybank put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. Keybank won't correct and I asked XXXX to put a notation in my file which they did not do. Keybank claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists Keybank ins in violation of the Patriot Act and I would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc.
State: DC

Complaint narrative:
I have not applied for any car loans 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
Old National charges predatory and outrageous overdraft fees and yet claims to be " the ethical bank '' They have charged me over a XXXX {$38.00} dollar overdraft fees even though they know I am low income. They should refund at least half of them. They won't. I've talked to them. They condescend to me and act as if I am unintelligent. They are NOT ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent in multiple documents that was asked of me. XXXX keeps ignoring my request, experian will not remove old addresses asked of them and equifax updating my information wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-01-16 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
PHOENIX FINANCIAL SERVIC Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name XXXX XXXX XXXX XXXX Phoenix Financial Services continously report to all 3 credit reports as if I have an account with them. They are the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: LA

Complaint narrative:
I submitted information disputing several inquires which where all removed except one. XXXX XXXX dated XX/XX/21 is an inquiry that was disputed but was not removed. I received a letter from Equifax confirmation number XXXX stating the fraudulent inquire was deleted buy it is still showing on my credit report. Please delete this fraudulent inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: OK

Complaint narrative:
XX/XX/XXXX Experian inexplicably deleted my XXXX account from my Experian XXXX. 
XX/XX/XXXX Experian inexplicably deleted/disconnected my bank account from my Experian XXXX. 
XX/XX/XXXX Experian continued to advise me that action was needed by me to reconnect my bank account to Experian XXXX. 
I have contacted my bank numerous times about this problem to no avail. They tell me there is nothing they can do on their end. It is all on the Experian end. 
Recently in or around XX/XX/XXXX I discovered Experian had magically " Reconnected '' my bank account to Experian XXXX. Unfortunately, they continue to fail and refuse to " find '' my XXXX account. Experian XXXX does not allow me to automatically reconnect my XXXX account. 
I have had this XXXX phone and auto pay in good standing since XX/XX/XXXX. Experian used to have a hard inquiry on my credit file showing when XXXX signed me up for the current phone and plan that I am on. 
I have tried numerous times to get Experian to reinstate my XXXX account on Experian XXXX to no avail. At least I was finally successful in getting them to reinstate my bank account. 
I want Experian XXXX to show my XXXX account and boost my Experian XXXX XXXX XXXX appropriately.

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 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received two unsolicited text messages from XXXX XXXX XXXX ( XXXX ), both purporting to collect a debt due by me to Capital One Bank, XXXX. I have never owed a debt to Capital One Bank, although I hold XXXXwo deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced Capital One Bank and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the XXXX that it authenticate the debt and that it cease and desist from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have previously disputed this account with XXXX and Transunion and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way credit bureaus were able to verify this! I have filed a complaint demanding a deletion for the unverifiable accounts, Here are the accounts that need to be removed : XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : 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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested documentation and validation/verification from this company that they have not provided. I have advised hem that the data being reported is incorrect.

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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
Ucb collections charge off XX/XX/2021? i do not owe the XXXX $ i didnt receive any service or request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.

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 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On Friday XX/XX/2022 I noticed an Extended Fraud Alert placed on my TransUnion credit report without my authorization. I immediately called in to TransUnion, to have the unauthorized fraud alert removed. 

I was told that it was a technical error and that there was no actual fraud alert placed on my credit report. However, I have just received a noticed from XXXX XXXX, indicating that there is in fact a fraud alert on my TransUnion credit report! 

This raises a host of problems, the fraud alert is unauthorized and the employees of the TransUnion fraud department are incompetent as I was assured that there was no fraud alert!

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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : HIPPA VIOLATION I did not authorize Progressive Management System to access my XXXX records I never signed a HIPPA form. They Violated my HIPPA rights. This must be removed from my credit report immediately, I will sue Progressive Management SysteXXXX I never authorized this to release my medical records to this Progressive Management System.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested documentation and validation/verification from this company that they have not provided. I have advised hem that the data being reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.

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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
I received a bill on XX/XX/XXXX and spoke to XXXX at XXXX and advised that I was working in Florida as of the date of service and believe I was a victim of Fraud. The bill is XXXX XXXX XXXX XXXX. Trip # XXXX for XXXX XXXX which is my maiden name and I have not used since XXXX as I have been married since then. I was then advised that the bill would be address. This was for a frequent flyer XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 

Then on XX/XX/XXXX I received notice rom Mercantile Adjustment Bureau that I would be put in collection or {$3200.00} for the same visit listed above for the same person that they knew was not me and that I needed to provide a police report. I offered to provide my schedule to show I was in Florida working for my job and was not in NY at the time. I need this to be removed from my credit and it is causing irreparable damage to my credit and life.

Company response to consumer: Closed with explanation