vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
The Facts Are : 1. I vacated my apartment at the end of XX/XX/XXXX after giving enough written notice. 

2. I received a bill for the alleged damages in the amount of {$1400.00} ( {$1700.00} minus my security deposit of {$300.00} ) in XX/XX/XXXX, in a letter dated XX/XX/XXXX. 

3. I objected the bill in writing by sending a registered letter on XX/XX/XXXX. 

4. I did not hear about my written objection at all.

5. In XX/XX/XXXX I received a collection letter from I.Q. Data International Inc. ( dated XX/XX/XXXX ) for the amount of {$1500.00} ( {$1400.00} + {$59.00} interest )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just received a new credit card from XXXX XXXX. They gave me a TransUnion credit score of XXXX. Now according to XXXX XXXX my TransUnion score is XXXX. Now that is a 92 point difference. I dont know which score is accurate. Please let me know..

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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am submitting. New information regarding all charges disputed how I wasn't credited back the money or numerous fees you hit me with

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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: Westlake Services, LLC
State: MO

Complaint narrative:
Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : Synter Resource Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is sent in response to a letter I received by you on XX/XX/2018. I am requesting that you provide validation of this debt. I have been in contact with XXXX as well as my local sheriffs office numerous times to report this account as fraud, as I have never opened an account with XXXX. However as neither XXXX nor your company clearly understands my complaint, I will be formally filing an intent to sue as well as lodging complaints with the XXXX, XXXX and XXXX  Attorney General, CFPB, and other relevant agencies. Civil and criminal claims will be pursued against both your company and the original creditor for violating FCRA 623 ( a ) unless you formally remove any and all of my information from your systems within 30 days of receipt of this notice. I highly suggest you heed my warning.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: MO

Complaint narrative:
Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights

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 2018-04-24 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: MO

Complaint narrative:
Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX stating there is no account reporting by them. But XXXX as confirmed there is and the collection agency that XXXX sold tthe account to is portfolio Recovery I want this company to take this account off my reports this is not ok i have filed claim with fair act credit reporting agency and attorney general because this account was fraud and i have told this to original credittor XXXX and portfolio recovery but they sent me documents that my account was closed and will be removed off my reports but yet iit has been on there. i want somone to look in to this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX XXXX AND XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-24 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: TX

Complaint narrative:
So I filed a recent complaint against Transunion Credit Bureau for Inquires that do not belong on my credit report back on XX/XX/XXXX.

On XX/XX/XXXX- I get a response back from Transunion Credit Bureau stating " Please also be advised however that your TransUnion credit report does not reflect an inquiry from XXXX XXXX , XXXX , XXXX, and XXXX '' As a response to this, I find this response to be invalid or pure disrespectful as the company has sought to deceive me by lying to me. XXXX XXXX which is the same as XXXX XXXX XXXX does appear on my Credit Report under Hard Inquires and also they go on to say the Inquires " The inquiries listed on your credit report are a record of the companies that obtained your credit information. 

Funny thing being about this respose is they may be right about companies retaining credit information but had Transunion opened the attachment that was attached to the last complaint they would have saw that the letter addressed directly from the creditor that states that their company has never pulled my credit for any reason and had confirmed that at no time had my credit even been pulled by their company, they have also asked that Transunion make the necessary adjustments to my credit report. ( Attachment Added to Complaint ) Now Transunion claims this inquiry does not exist but it very well does exists and so does two other inquires on my Transunion Credit Report from apparently XXXX XXXX. I have never even applied for a credit card from this company nor have I ever completed an application. I feel that Transunion is improperly handeling my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
There is a hard inquiry on my XXXX  report from Cavalry Portfolio Serv XXXX XXXX XXXX XXXX, AZ. Date XX/XX/2016. I did not authorize anyone from this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello i applied for credit card with PenFed credit union and i informned them of the fruad and identity theft on my credit and they were not fair and made the decision to decline me and use incorrect info that was reported as fruad against my application i have done all i could to send all documents but yet i feel like i was treated unfairly by this credit union and the decision was do to prejudice and wrongful information from XXXX   and deeclined me right to establish credit.

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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo has made decisions to deny me approval for credit based on identity theft and fraud on my credit report they were not fair to make another decision and the credit card under writing dept based the decisions on incorrect information on my credit. I informed them numerous times i feel like wells fargo has treated me unfairly as a consumer and the decision to decline was prejudice and not fair based on information they used that was incorrect. I fiiled complaint with attorney general. As well and fair credit act reporting agency.

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 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
XXXX XXXX and Webster bank. Several problems : 1. Requested through another bank to transfer funds out. It's been 20 days and despite several promises, nothing. Very long transaction just to make a transfer. 
2. Even with the long wait to transfer, they were able to send a check for the wrong amount and for benefit of the wrong person but under my account number. The gaining bank called me and was very confused. An hour on the phone corrected it!

3. As a veteran when seeking VA medical care, the bank can't deposit funds employer contributions to my account. That changed on XX/XX/2016, under the Veterans Health Care Choice Improvement act. Did XXXX XXXX change their continued policy of not depositing those funds? Nope. 

This bank is the worst financial institution I have dealt with. Very poor and customer service is non-existent even after making several calls to the bank with their promises to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX repair all started from trying to help me with housing then wanted to do a credit check placed hard inquirys I'm still homeless I've paid for inquiries I didn't do when I'm trying to astblish credit, I'm not looking for cars when my license are suppended these address es listed don't add up I'm tired of payments with auto pay nothing is beIN done period I wrote letters an etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: MO

Complaint narrative:
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase that I believed to be on my debit card with XXXX on XX/XX/2017 that was charged to my XXXX XXXX credit card instead. 

XXXX had switched cards between companys so no records of any debt were on my online account and no bills were sent to me. XXXX if there was any issue had the ability fo notify of any debits, but, likely due to inefficiencies did not until 3 months later where I was notified of a statement. Seems odd that they would not notify me earlier if there were any debts. 

This statment initially showed a dead, no balance account, as was shown when I checked in with XXXX in early XXXX. 

Despite this XXXX 's attacked my credit rating, has refused to correct the misreporting, and had penalized me in fees ( which I paid to stop the credit damage from them ).

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 2018-04-24 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: MO

Complaint narrative:
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: MO

Complaint narrative:
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Summons dated on XX/XX/2018 appeared at residence around XX/XX/2018 to appear in court on XX/XX/2018. Says I owed {$800.00}. Paperwork attached said amount actually owed is {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Sally mae can not produce my loan information they refer me to navient who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX can not produce my loan information they refer me to XXXX who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX can not produce my loan information they refer me to XXXX  who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.

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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The company, Capital One, reported to you that the issue had been resolved in my complaint, that is not true. They told me a refund would be issued for interest fees and over charges. Complaint # XXXX initial complaint.. I trusted they would do what they said, but have spoken to XXXX XXXX several times now and have been given every excuse in the book as to why I have not received my money. I don't get interest on the money that they owe me, but they sure found a way to charge me. Am playing the waiting game for my funds, if it were me doing this to them I would be in collections already. I just want MY MONEY RETURNED and to be done with this company and the way they do business. My opinion, they need to be investigated to see how many others are put through this when wanting to close an account. I have cut up and returned both credit cards and should no longer receive a statement from Capital One. It truly can't be this hard to issue a refund in form of a check mailed to me. 
PLEASE HELP ME WITH THIS COMPANY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX and XXXX  removed the items immediately and Equifax stated that the items are under investigation and has done nothing. 30 days have passed and I sent my second request to Equifax and 30 days have passed again and Equifax has again done nothing which is why I decided to come here for help, please help me.

Company response to consumer: Closed with explanation