vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and XXXX XXXX was listed. XXXX XXXX was contacted by XXXX XXXX XXXX and made aware of the plan.XXXX XXXX was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from XXXX XXXX home office concerning the XXXX. The office manager stated that the checks XXXX with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that XXXX XXXX had marked our payments XXXX XXXX and XXXX days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked XXXX days late under the law a payment has to be an actual XXXX-day late, XXXX XXXX was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never XXXX days late and they kept coming up with excuses, it took me a long hard time to get even a letter from XXXX XXXX to say that the account was paid and closed. I called and tried to get this corrected XXXX XXXX refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that XXXX XXXX knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court

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 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX sued wrong person on account consumer closed. It is not legal for them to transfer an account to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank has shared my information with XXXX XXXX XXXX without my permission. 

I never gave XXXX XXXX XXXX permission to share my information with any banks but my bank which is capital one. According to an email and text message my information has been shared with other banks. 

XXXX XXXX XXXX has been sending me email and text share with me that they banks need more information from me to process a loan with other banks beside captail one. 

XXXX XXXX XXXX has been making false statement regarding banks and my information. 

Are only going through the motions as stated in the email to share my information with various employee and banks without my permission due to my XXXX. 

They haven't reach out to capital one bank which reference me to them regarding my car loan with capital one bank. 

Employee are saving my information for there on benefit and personal used. As stated in the email to go through the motions. 

No one from XXXX XXXX XXXX reach out to capital one bank but has shared my information with everyone and with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is making a change to its existing policy, forcing arbitration. I believed I was covered under the Military Lending Act but Chase said I do not qualify for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In response to a Citibank bonus promotion, I went online to open a checking account on XX/XX/XXXX. According to the deadline clause in the notice dated XX/XX/XXXX, All information must be received and validated within 30 days of the application date to complete fulfillment of the account. After that date you will be required to re-apply. The 30-day deadline was XX/XX/XXXX. 

The Citibank letter, dated XX/XX/XXXX, claims that the signed signature card from me was not received until XXXX XXXX. That means that all information was not received by the deadline of XX/XX/XXXX and I was required to re-apply. 

I did not re-apply. However, the account was opened after the 30-day deadline of XX/XX/XXXX, on either XX/XX/XXXX or XX/XX/XXXX. Furthermore, my authorization was used to withdraw fund from another bank to fund the account on XX/XX/XXXX. 

Have uploaded correspondence from Citibank dated XX/XX/XXXX and XX/XX/XXXX as attachments. But did not see an indication that they were attached.

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 2019-08-05 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: LA

Complaint narrative:
On XXXX I requested that Experian investigate the XXXX XXXX XXXX Account ( account XXXX ) that is reporting as a collection on my credit report. According to the report I received in the mail from Experian the account was last updated XX/XX/XXXX. This means that Experian has never conducted an investigation when I requested it on XX/XX/XXXX. 
This is a violation of the FCRA.

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 2019-08-05 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: SC

Complaint narrative:
I've been a victim of identity theft. My information was expose in both the Equifax breach in XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: NC

Complaint narrative:
A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. I did file a incident report back then but can no longer locate it. This is my second attempt to resolve this matter. The accounts are not my accounts I never had so many accounts in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a solicitation online from Wyndham when setting up a hotel reservation. Said you'll get {$50.00} off the hotel room and a VISA card with Rewards issued by Barclays Bank.. So I got one and used it on a trip. They gave me a {$50.00} statement credit and I racked up nearly XXXX points on charges exceeding {$2500.00}. When I tried to redeem the points I went to the redemption site but it claimed I did not enter the correct info, my Wyndham Rewards Membership No., my email address and my ZIP. ( All of which were exactly as on my statement ). On XX/XX/XXXX I tried calling Barclays but they refer you to the ( outsourced ) Redemption outfit whose phone system said waits exceed one hour! 
The card looks like a scam. The Bank is responsible for its agent 's failure to perform under principal - agency law.

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 2019-08-05 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: NC

Complaint narrative:
A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. I did file a incident report back then but can no longer locate it. This is my second attempt to resolve this matter. The accounts are not my accounts I never had so many accounts in my life.

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 2019-08-05 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: NC

Complaint narrative:
A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. The accounts that I'm disputing does not belong to me and I would like them deleted 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 explanation
Consumer complaint received 2019-08-05 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: SC

Complaint narrative:
I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXXand when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

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 2019-08-05 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: FL

Complaint narrative:
I notified Transunion about a false pubic record on my report. This was some bankruptcy that was not mine. I was a recent victim of ID theft and have placed security freezes on my XXXX XXXX and other data information companies until I resolve this matter. TUC states they " Verified as accurate '' this bankruptcy when in fact they DID NOTHING. The court this was filed in can not and will not release information to any 3rd parties. These is a freeze on my information and they did not obtain anything from XXXX XXXX and others. They have LIED and violated FCRA by stating they verified something when they did nothing and received nothing. These companies simply send out letters and NEVER actually investigate. Under FCRA THEY MUST VERIFY BY DOCUMENTATION. I requested they provide it and they can not. This false information is harming my chances of getting employment. As such I am suffering financial injury.

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 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Back on XXXX, 2014, I went to XXXX XXXX, they offered me a discount for opening up a gap card, which I accepted. Card number : XXXX. I believed since I had given them my bank card to charge, that the charges I made that day were paid for. 

However, unfortunately, they put charges on the new card, which I didnt even have in my possession. In addition, my mail was being stolen and I never got any statements from Synchrony, or the actual card, which was never activated. 

3-4 months later, I get a call from a collection company, who says, I owe money to Synchrony/Gap. I immediately made the payment, and then I discovered that mail was being stolen ( See FTC report for stolen mail ). 

I had more than enough to pay when payment was due ( see bank statement showing {$19000.00} ). I paid off the account in full the first call I got from Collection company Attached : Banks statement ( showing I had {$19000.00} at time payment was due ) FTC report XXXX from 2014 showing mail was stolen including synchrony statements.

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 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I have sent numerous request since XX/XX/2018, for the original documents showing they are authorize to collect this debt. As of today, I havent receive any response regarding verification of debt. Fed loans continue to report this debt to the credit bureau each month, thus affecting my ability to obtain credit due to the increase interest reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/XXXX Well Fargo Dealer Services received a payoff on my white XXXX XXXX XXXX Wells Fargo has not taken this car off my credit report. I have been in touch with them and they promise to take it off, but they have not done so. This is affecting my credit tremendously and I want this taken care of asap. I would appreciate any help I can get with this matter. Thank you in advance.

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 2019-08-05 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: LA

Complaint narrative:
On XX/XX/XXXX I requested that Experian investigate the XXXX XXXX  account ( XXXX ) as a XXXX  account. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account when I sent in my dispute letters. 

This is a violation of the FCRA.

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 2019-08-05 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: TX

Complaint narrative:
I called XXXX  and Experian and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my 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 non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NY

Complaint narrative:
Unsolicited credit card received XX/XX/19 Credit inquiry on credit report when no credit application was made

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 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
On XXXX -- XXXX I received a letter From Professional Credit Service Regarding aXXXX XXXX XXXX  XXXX a violation for a XXXX license for a XXXX that XXXX away almost XXXX years ago. I sent a certified letter for them tp provide XXXX XXXX XXXX XXXX name and address of original creditors Documentation showing that they have verified that I am responsible for this dept, or a copy of any judgement. 

Documentation that they are licensed to collect debts in WA XXXX. 

I notified them that I was in the XXXX day window and that I was disputing dept and to stop all further collection attempts until they provided requested information. 

They received my certified letter on XX/XX/2019 and I have signature for the certified letter. 

They continue to call which I can provide phone records and they sent another collection notice on XXXX, XXXX XXXX. 
They have not provided any of the information that was asked for in my certified letter which they received on XX/XX/2019. Following the guide line provided by the federal Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I requested Experian investigated the XXXX XXXX  account ( account number XXXX ) that is reporting on my credit report. According to my credit report I received from Experian the account was last updated XX/XX/XXXX. This means that Experian did not conduct an investigation when I submitted my dispute. This is a violation of the FCRA.

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 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am the original owner of the vehicle which was sold to a private party who obviously needed clear title to register the vehicle. 

Made inquiry with Wells Fargo as to the most efficient speedy way to be able to issue clear title to the new owner - was told they " would not '' accept cash payment for payoff at a Wells Fargo branch - and - was also told that if a wire transfer was done the funds had to come from the account holder 's bank account no other account -- I am on the road for my job so this process made it extremely difficult Went through the " hoops '' had to have funds transferred by my wife to my account so we could generate the wire for payoff before we could even accept a cash payment from the buyer - So today we executed a wire transfer directly to Wells Fargo Bank ( Wells Fargo Auto ) and now we are being told it will probably not hit the loan account for 3 to 4 days and they had told us we could request a expedited lien release for the new buyer to register the vehicle - The last person we just spoke with to discuss those questions " hung up on us '' ( name was XXXX ) - we tried multiple times to follow up on this issue today and held on the phone 34 minutes and then were disconnected Seems like the lack of customer service and issues at Wells Fargo have not changed - however my ultimate complaint as a consumer is the fact they made it SO difficult to payoff a loan either in person or by any other method - a creditor should accept funds from " anyone '' for payoff - what if the acct holder is no longer living or not in the country or otherwise unavailable -- After the run around we got to further be " hung up on '' is outrageous behavior!! Thought you should 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