vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXXXXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: LA

Complaint narrative:
I found errors on my credit report and wrote letters to Transunion, XXXX, and XXXX  on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I opened complaint no. XXXX, this was submitted XX/XX/XXXX your organization closed XX/XX/XXXX due to Transunion citing they were still investigating my claim. No final response was provided within 60 days, I am XXXX and XXXX XXXX, I have cause for failing to meet feedback date and I take full responsibility for this but Transunion never resolved my allegations please open new ticket on previously cited complaint no.for evidence to my claims and please don't close my complaint until Transunion resolves my complaints your process is allowing them to not follow thru on my complaints without any accountability. Transunion cited the investigation is progress XX/XX/XXXX, no resolution. They are in violation of The Fair Act Reporting, 15, U.S.C., 1681, all inclusive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a letter in the mail from. XXXX XXXX XXXX about an account I had with Capital One. Capital One has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by XXXX XXXX XXXX, which apparently purchased the debt from Capital One. I asked them for the number and when I called XXXX, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have XXXX provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
US bank wrote in their response to me regarding CFPB complaint XXXX that their bank account agreement allows accrual of fees and that they already refunded certain fees a few years ago to me, back in XXXX. 

This is to emphasize the solution for return of fees from a few years ago applied to the issue from a few years ago. This new issue concerns XXXX fees and request for refund of XXXX fees. 

Also, I state even though US Bank practice to assess fees is in their account agreement, the practice is wrong ( possibly illegal ). As such it should not be part of the agreement. This is especially so if the transactions are not honored. Namely, if US Bank rejects a transaction, we are not being given a service but we are being charged for and end up paying the fees. This is wrong. 

It is also wrong and bad customer service to not provide such a service consistently ( if allowed to be offered as is ).  Honoring some transactions and returning others messes up with our business operations and makes us financially illiterate. Plus, it is costly and overall a bad customer service. Possibly illegal. 

US Bank states their service accounts of certain type can reject transactions that go into a negative but would still charge a service for it. My goal is to pay for services that I do receive and receive them consistently. Returning transactions that would go into a negative is not a service as these transactions are transient and do not draw on US Bank funds for support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I purchased a new vehicle on XX/XX/XXXX and it was financed with Ally Financial. The loan was paid off in full on XX/XX/XXXX which resulted in an over payment of {$950.00}. When I didn't get a check I called on XX/XX/XXXX they told me a check was cut and it would be 7-10 business day to mail. I called again on XX/XX/XXXX as I didn't get the check. Was told it would be overnight to me and I would get it in 1-2 days. Called again on XX/XX/XXXX was told check was not processed yet and another give it another 1 -2 days. Called XX/XX/XXXX was told check was cashed on XXXX, told them not by me and I needed a copy. Was told case was escalated to their executive office and someone would call me on XX/XX/XXXX @ XXXX. I did not receive a call. I called today XX/XX/XXXX and was told to give it 24 -48 hours before I could get any answer and a case # XXXX was given. Each time I called was a minimum of hold time of 45 plus minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 found errors on my credit report and wrote letters to XXXX, Equifax, and XXXX on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: LA

Complaint narrative:
I found errors on my credit report and wrote letters to XXXX, XXXX, and Experian on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX  XXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX  XXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: GA

Complaint narrative:
I am a victim of identity theft. I have disputed this fact with all three credit bureaus and as a result, XXXX  and XXXX  have completely removed the errors. However, Transunion has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was convinced by scammers that my computer needed repair-they flashed an alert with a phone number to call across my screen while I was using the computer. I called thinking I was speaking to XXXX-it was XXXX. " XXXX '' took control of my computer and got assess to my online banking information. They asked me for my cell phone number as well. 
I reported the incident to HSBC by phone the day after this happened. In subsequent communication by phone or text to HSBC, I have repeated told them what charges I actually made and for which I will/have paid for. I have changed credit card accounts twice since the original bill : erroneous charges was made to card ending XXXX and the XXXX balance eventually transferred to card ending in XXXX. 
On my monthly statement, I saw charges from XXXX, XXXX, XXXX, XXXX on my credit card. None of these companies I have any prior dealings with. The amounts charged XXXX is also no where near my usual spending pattern. HSBC bank USA has denied my claim to this date, that I was scammed and has insisted that I pay XXXX. To date, I have not received any merchandise to keep or return for reimbursement. I filed a police report as I was asked to do-complaint # XXXX. 
HSBC has been giving me the run around every time I speak to them and when I ask to speak to a supervisor, they are evasive and will not transfer me to a supervisor. 
I have been speaking to multiple people ( I have been writing down dates and names for months ),  no one central. I went to my branch to speak to the person on my denial letter-no phone # to contact him per bank personnel. Difficult to find and communicate with person/persons who made the decision to deny my claim. Difficult to discern how or why they made their decision. Have not been able to get anyone to understand what happened-cyber identity theft- since I made the initial complaint. Difficult to understand the customer service reps due to the heavy accents and being transferred from here to there multiple times with long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have sent numerous certified letter explaining to XXXX  that the debt is not mine. Every time they have sided with the creditor. XXXX   always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because XXXX  has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
On numerous occasions up to and including XX/XX/XXXX I have requested that the transactions in my account not be paid and be returned in an effort to XXXX out and close my account. Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed and that XXXX XXXX, ACTING AS AGENT AND AUTHORIZED REPRESENTATIVE, KNEW I WAS NO LONGER AFFILIATED WITH. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. Subsequent to the closing of my account, an employee and representative of First Midwest XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by First Midwest be  looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX. Additionally this has caused a negative impact to my credit reporting which I want corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts BMW FINANCIAL SERVICES on XX/XX/XXXX with an XXXX balance is not an account i authorized. XXXX XXXX opened on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/XXXX Discover closed my account, and on XX/XX/XXXX sent me a cancellation of debt ( 1099C ) in which has been filed with my Federal Taxes. According to my three major credit reporting agencies, Discover is continuing to show a past due balance, as well as marking my account as negative on a monthly basis. I have disputed the information being reported several time, and in all occasions, they state the information is correct. I wish to have my credit reports showing the balances and no longer show negative on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1100.00}

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