vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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: CA

Complaint narrative:
XXXX # XXXXThis Account is Unverifiable. Experian has failed to provide me proof of verification. But claims to be Verified Unauthorized Inquiries : 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 2019-09-07 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: WA

Complaint narrative:
I have sent several copies of my current FTC Identity Theft Report to Equifax, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
Per federal law ( FCRA 605B ), consumer reporting agencies are REQUIRED to BLOCK the reporting of any information identified as fraudulent within 4 business days after receiving the aforementioned documents. Equifax is ignoring federal law, believing it is their right to do so, according to one phone rep.

I have called Equifax several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. This is clearly willful noncompliance as defined by FCRA 616, making Equifax liable for the damages described therein.

They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them.

As a military veteran, I am shocked and disgusted that a large,  supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. I would like to see an investigation led by a government agency look into this matter and force this rogue company to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
in XX/XX/2019, I signed up to put a freeze on my Equifax credit account to prevent fraud. 
Today, XX/XX/2019, I contacted my phone company to add service. They asked if it was OK to check my credit report, using Equifax. I said fine, but I would need to sign in and temporarily unfreeze the account. 
When I went to the " XXXX '' website and signed in with my email address and password, the site responded with an error message, stating to call the customer service number. 
My first call was transferred 3 times, then after 24 minute was disconnected. 
My second attempt, I was routed to and " American agent '' XXXX, who said he would correct the issue. After 53 minutes, he told me that my account does not have enough lenders information to authenticate me, and that I would have to send, by mail, photocopies of my driver license and SS card for authentication, then wait a week or two before Equifax would respond. 

He also told me that it would not help my future attempts to access my account after 30 days, and that I would have to, again resubmit the same information, then wait again for week or two before Equifax would respond. 

Equifax has had an account on me for 32 years with impeccable credit. ( XXXX score ) I have no debt, no car loan, and no mortgage. I have 4 active credit cards paid in full monthly, with NO carried balance. I owe no-one and have no lenders. Other than my credit cards, my residential utilities are all I have as monthly dues. 
These are all listed on my credit history with Equifax. 

The CSR, XXXX, told me, that the only way for me to be able to be authenticated was to have lenders reports in my history and that I needed to take out some loans. He said that, In order for me to access my account ( to enable and disable a freeze ), I have to generate debt. I have worked all my life ( XXXX years old ) to get the monkey off my back, just to have this CSR tell me that the only way I can be authenticated ( to be able to manage my account ) is to take on debt. What kind of XXXX XXXX is that? 

So I am unable to log in to unfreeze the account so the phone company can process the order. Neither was XXXX able to do it. 

With the letter and documents he instructed me to send, It will still take a minimum of a couple weeks, then it will only be good for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I tried to verify any debt I may have had with XXXX XXXX XXXX by calling the company, which is listed as original debtor. XXXX XXXX XXXX told me on the phone that they have never had a debt listed in my name. I tried calling NATIONWIDE RECOVERY SYS. They could not provide me with an original signed document I have with the original debtor. I dont know why its listed on my credit report severally damaging my credit score. I am a XXXX Veteran who suffers from XXXX and living on a fixed income. I'm deeply concerned that this erroneous debt listed in collections on my credit is hindering my future financial or even employment opportunities. I've never owed either company money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a complaint with the company XXXX XXXX out of XXXX XXXX XXXX and Comenity natl bank. 

I received an email from a lady named XXXX from XXXX XXXX that stated that she could not give me credit for a bracelet I returned unless I made my account current with Comenity Bank. 
She stated that the bank stated to her that no payments had been received to date. 

I do not understand how she got this information from Comenity Bank. 
I called Comenity Bank and they said they did not release this information. 
This is a violation of my privacy. 
Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: AL

Complaint narrative:
After contacting Experian, XXXX, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.

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 2019-09-07 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: Westcreek Financial
State: AL

Complaint narrative:
I have disputed an item with West Creek Financial and they have had 30 days to mark a " Notice Of Dispute '' which they have fail to comply by federal law..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have called Credence on several occasions with an account they have listed under XXXX XXXX XXXX XXXX XXXX, but I went to the hospital and received an incorrect bill from XXXX XXXX XXXX. I have been trying to get my account updated with with my XXXX information. At first they said they would contact their client and provide the info. I waited and called back and then they claimed they can't do anything, said there was a filing limit when I informed them that I was informed there was no filing time limit with XXXX, I spoke to numerous reps, one hung up on me, they kept transferring me, then they were all of a sudden that department was closed way earlier than they were supposed 30-40 mins earlier after they left me on hold for almost an hour and kept telling me to contact different numbers. I have been going back and fourth between the collection agency and XXXX XXXX XXXX trying to get this sorted out and no one has taken the time to get this handled or input the correct information for my XXXX XXXX XXXX. I informed the Credence Collection agency that because of their tactics I would just file a claim and get this handled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had my name on a medical credit card ( with my father ) for an operation that I had many years ago. The card was paid off, and synchrony bank/care credit has continuously hounded us for more and more money over many years. They always go away for a little bit, then resurface demanding more money. Back in XXXX, they came after me again. I paid an agreed upon settled amount ( just to get it over with, or so I thought XXXX, and even paid the associated taxes for the remaining balance using the tax form that was sent to me for this. That should have been the end of everything, and for all of XXXX, I heard nothing from synchrony bank/care credit. I've noticed that my FICO score is significantly lower than my credit score listed elsewhere, which has significantly impeded my ability to apply for credit cards, comes up on background checks for apartments, etc. Well, while synchrony bank/care credit left me alone for all of XXXX ( their calendar shows as blacked out, nothing owed for the year ), they reappeared in XX/XX/XXXX and are still dinging my credit ( showing that I've owed them money all year ). I've received nothing from them in the mail and I know *for a fact* that I owe them nothing. I paid a settled amount and the associated taxes. It is insane to me that companies are able to do this to people. They've been ruining my credit and financial security for years and now, once again, they're resurfacing saying I owe them money again. This is illegal and must be dealt with at once. I've already disputed with them directly and with XXXX and XXXX, and this LIE is still damaging my credit. No one is doing anything. Please help.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I lost my job, have never been late on a payment since XXXX, so I am not familiar with credit card practices. However, this year, I was in between jobs, and was told that when you fall behind for 2 months in payments, then it reviewed to determine whether they should close the card ( which affects credit score --  dramatically ). On XX/XX/XXXX Bank of America, the credit lender, called my parents left a voicemail saying to call as I was behind again and there were additional options to help me or assist. On XX/XX/XXXX, I was notified via email from Bank of America that the credit account was closed. No notice, no time to actually discuss with them. 

When I fell behind a few months ago, BOA sent e-mails about the credit card servicing, this time not one.  The only one was to notify me they did something to dramatically affect my credit without any notice. They changed their pattern of practice from the first time to this time within just a few months. Now without any opportunity to save my credit they closed the card without notifying me once they were making that determination or even evaluating it, but they could call and leave messages that your account is behind and we have options to help, which apparently isn't even true.

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MS

Complaint narrative:
I recieved my SSI benefits on XX/XX/2019. On XX/XX/2019 I went to an atm to withdraw money an my transaction was declined. At this point I called my card an it said I had a balance of {$20.00}. That is when I cancelled my card an reported my money was missing because I had not used my card at all since my check was deposited on Saturday XX/XX/2019. I was told by a lady I spoke with that I would receive a new card within 2 business days an all my money would be refunded to my card. When l recieved my new card on Thursday XX/XX/2019 I activated it zn it had a balance of negative {$15.00}. I am XXXX years old an alone I need my check that someone has stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An ACH transfer was sent from XXXX XXXX XXXX  to Wells Fargo, the ACH recipient ( me ) information entered by the sender ( Trustee of an estate ) did not match, i.e., Name and account number. The ACH settled on XX/XX/2019. The money has yet to be returned so that the transfer may be executed with the correct information. It is a six figure sum. Wells Fargo claims it could take 45 days to return the funds???? Further, they Wells Fargo, has not verified where the money went??? Should I file a complaint with the police?

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 2019-09-07 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: MN

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX Request for Investigation of Unauthorized Inquiry I have notice on XX/XX/2019 my credit report from Equifax.com showed the following unauthorized inquiries by these creditors : 1. XXXX XXXX/XXXX, Date : XX/XX/2019 2. XXXX XXXX, XXXX XXXX XX/XX/2019 3. XXXX XXXX, XXXX XX/XX/2019 I contacted all three creditors and notified them that I did not authorize or attempt to obtain any credit or loans, no sort of transactions what so ever, and asked them to remove their credit inquiry from my credit profile. XXXX XXXX was the only creditor that said that they would do their part to correct the unauthorized inquiries ; yet all three creditors search for an application or any type of paper work that would help them but they were unable to find or explain how the unauthorized inquiries showed up on my credit report. 

I request that you initiate an investigation into the unauthorized inquiries on my credit report to determine who authorized the inquiry. Upon your investigation I request that you remove all of these unauthorized inquiries from my credit report, please send me an updated copy of my credit report within 15 business days upon the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On the week of XX/XX/XXXX, I received an alert from my XXXX credit monitoring service indicating that my Target credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called Target and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with Target so they can remove this 30 days notice from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
All.of these accounts on my cresot report that I didn't authorize proofnis in the uploaded file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The company stated in their response to my CFPB complaint # XXXX on XX/XX/19 that they were permanently crediting my account with the {$51.00}. However, what they did was put the charge back onto my account -- Again ... The amount is listed in black, rather than in green with a negative sign in front of it like how a purchase adjustment is supposed to be. I called them several times about this but I ended up getting nowhere because I just kept getting the runaround and being put on hold which took 45 minutes to an hour each time. Eventually I had to hang up because it was taking way too much time -- Over something that was their fault, not mine. They're getting paid for their time and aggravation over the phone, not me. I feel as though they treat customers this way on purpose so that they don't get their issues resolved. I will be closing my account with Capital One after this experience. In the meantime, they need to credit my account like they told both you and me they were going to do. And they need to do it twice, because they've rebilled me for the {$51.00} twice. I am also getting socked with interest charges over this because i refuse to pay an amount that they told both me and you was going to be credited. And I sure as XXXX am not paying the amount twice either. These people are corrupt. Please do something about this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The machine took my money. I had called the emergency department within the Bank of America branch and that report that the only Bank of America contacted in XXXX, CA XXXX took my check and did not give me a receipt and they kept my card was in the machine for about 15 to 20 minutes. I did plead with a lady named XXXX or XXXX with a emergency department of the Bank of America to put at least two to {$300.00} within my account so I can afford my medications and I was declined that is why I am making this complaint.

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 2019-09-07 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: LA

Complaint narrative:
I have tried to setlle and get all of these inquiries I did not put on my credit taken off

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 2019-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/2019 i received my direct deposit as usual on my American Express Bluebird card, i used the card for a few purchases before and after my direct deposit was received. However on XX/XX/XXXX i attempted to use my card and it was declined, i called american express bluebird and received a message stating " Your account has been permanently closed please check your email for more info, i checked my email and received a letter stating that my account was closed and i would receive my remaining funds by check to the address that was on file but no information as to when i will receive a check what was my final balance what is the address on file i opened this account years ago and since i have moved, how can i confirm if they still have my correct address if when i call the system hangs up on me after warning me my account has been suspended.

Company response to consumer: Closed with explanation