vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/19, we visited the XXXX Branch of Chase Bank where my Grandmother is a customer. She needed to withdraw some money from her account and also add me to her account so I can help manage her finances. We had a printed Power of Attorney that we also needed notarized. The Branch Manager at the location named XXXX XXXX NMLS ID:XXXX was very rude and refused to notarize our document or help add a signer to my Grandmother 's account. He caused a scene in the lobby of the bank. This kind of treatment from a Branch Manager or any employee in general is totally unacceptable. I will also be filing a complaint with his supervisor named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: SC

Complaint narrative:
I have disputed 2 times with Experian, a bankruptcy on my credit report. They have both times dismissed my complaint stating it was " verified '' through XXXX XXXX. My information was suppressed through XXXX as of XX/XX/2018 a year before this suppression request ( I have an email to prove it ) and also I have spoken with the Bankruptcy court who stated that they do not deal with credit reporting agencies and have not spoken to anyone there to " confirm '' an bankruptcy that is showing up on my public record. XXXX  and XXXX have already removed this public record and as of 2 investigations, Experian has failed to remove the public record as required by law. I think someone from that company is committing fraud. I have documentation to support all of my claims and can send it upon request.

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 2019-04-02 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: NM

Complaint narrative:
Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XX/XX/XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XX/XX/XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! Equifax needs to remove this item from my credit report promptly. 

This is my SECOND time opening a complaint with the CFPB and I will continue to open complaints UNTIL Equifax REMOVES the XXXX paid collection from my report. Equifax has failed to provide PHYSICAL proof of what information it " verified '' to me and LIED that I was sent confirmation on XX/XX/XXXX- In fact, how is a reinvestigation PROPERLY conducted in 6 days!!! 
Equifax needs to REMOVE XXXX from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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:
I have disputed the following accounts but the credit reporting agencies did not justify continuing reporting these unauthorized accounts, I'm demanding that this accounts be blocked immediately from my credit report. If not please provide physical certified documentation to support your reporting. The disputed accounts are, ( 1 ) XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX {$570.00}, ( 3 ) XXXX XXXX {$7600.00}, ( 4 ) XXXXXXXX XXXX XXXX  {$0.00}, ( 5 ) XXXX Finance {$0.00} ... 
Please remove 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 explanation
Consumer complaint received 2019-04-02 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, XXXX, and Transunion credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.

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
Consumer complaint received 2019-04-02 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, Equifax, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my Experian, XXXX, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.

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 non-monetary relief
Consumer complaint received 2019-04-02 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: AL

Complaint narrative:
My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, XXXX, Trans Union and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.

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 2019-04-02 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:
My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at Experian, XXXX, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
XX/XX/2018 XXXX XXXX in XXXX Arizona tried running my credit when I did not authorize them to. I was attempting to purchase a car from them. But the payment was to high I left and this hard inquiry has remained.

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 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
NEVER RECIEVED A LETTER OR A CALL ABOUT THIS DEBT WORKS AND LENTZ RECIEVED AND I KNOW THEY HAVE MY INFORMANTION BECUASE I WAS EMPLOYEED FOR ALMOST 3 YEARS I GOT FIRED  DUE TO BEING XXXX HAD LOST MY VOICE MY BOSS KNEW I WAS XXXX I GOT FIRED BECUASE I COULDNT TALK ON THE PHONE TO LET THEM KNOW THAT I COULDNT MAKE IT TO WORK I SENT A TEXT MSG I CANT CALL IF I HAVE NO VOICE TO SPEAK

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 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are not my Accounts.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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:
I have disputed the following accounts but the credit reporting agencies did not justify continuing reporting these unauthorized accounts, I'm demanding that this accounts be blocked immediately from my credit report. If not please provide physical certified documentation to support your reporting. The disputed accounts are, ( 1 ) XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX {$570.00}, ( 3 ) XXXX XXXX {$7600.00}, ( 4 ) XXXX XXXX/ Car {$0.00}, ( 5 ) XXXX XXXX {$0.00} ... 
Please remove 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 explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: HI

Complaint narrative:
XXXX XXXX XXXX believes I owe them {$7800.00} for terminating a lease in 2015. I gave them more than enough notice that I would have to leave the apartment due t the lack of affordability because of divorce. I paid my last months rent and moved out and forfeited my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: LEXISNEXIS
State: NY

Complaint narrative:
I have disputed the validity of a Bankruptcy reported LexisNexis on multiple occasions. They have continuously advised that the bankruptcy has been verified and has yet to confirm, in writing, HOW they have verified this information.They have stated that this information has been verified by the bankruptcy court, however, I have been notified by the court that they do not verify any information with any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
I contact loans places to get a loan to help my mom get a place because of personal reasons ... I applied for the loan n got accepted with no credit, it was for an installment loan.. I got money sent to my account XXXX into my savings then I had to sent back to the company in order to get my Loan that I was originally post to get which was {$2000.00} and then I tried to cancel the loan but they wouldnt let so then I called my bank and they said money has been deposited into my account and it looks like it might be fraud

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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2019, Wells Fargo executed a Legal Order submitted by the CA Franchise Tax Board. In addition to debiting {$340.00} from my checking account without my permission, Wells Fargo charged me a {$120.00} Legal Order Fee. 

If that Legal Order was correct, I could see that I might be responsible for the fee. However, the Legal Order was clearly an error on the part of the CA Franchise Tax Board. Upon contacting them, they immediately faxed over to Wells authorization to return the funds. See attached screen print of the transaction. The fax was sent within hours of me contacting the CA Franchise Tax Board. 

After days of arguing and escalating the issue with Wells Fargo, they refuse to return the {$120.00} fee because they argue they received a Release Order and not an Admittance of Error.

Apparently, this is a common issue at Wells Fargo. If they do not get a party that serves a Legal Order to admit in writing that they made an error, they will not  refund the fee. Notwithstanding the proof is right in their system that the release was performed immediately. I owe no money to the CA Franchise Tax Board and at the time of this transaction, I was 100 % current with the few hundred dollars that I did owe them. They just made a simple error in processing my check, which they acknowledged on the telephone, hence the immediate fax to return all of my funds taken ( without deduction ) or hold, all within 48 hours, beginning to end. BTW, the fax was received by Wells Fargo on XX/XX/2019 and did not process until XX/XX/2019. 

I did not initiate the transaction resulting in the fee, I did not authorize the transaction causing the fee. I am not at fault for anything related to the fee or Legal Order. This can not be Legal. 

This fee was assessed upon me and I had no control over its application to my account. Wells Fargo has clear and convincing evidence that it was an error, but chooses instead to profit from the fee. Well 's recourse is with the CA Franchise Tax Bureau,  not me, and CA will never admit their mistake so they will be accountable. I can only imagine the 1000 's of customers being charge a fee for what I understand to be a not so uncommon error, and Wells Fargo benefits from it. 

If this is not an Unfair and Deceptive Practice, I don't know what is! 

Wells Fargo Customer, but not for long.

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 2019-04-02 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: NV

Complaint narrative:
Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild 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 2019-04-02 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: NV

Complaint narrative:
Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild 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 explanation
Consumer complaint received 2019-04-02 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: NV

Complaint narrative:
Hello, XXXX XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Local Data Recovery, LLC
State: LA

Complaint narrative:
https : XXXX called from XXXX and left a message threatening a judgement against me by the end of the day today. They also called my mother - and offered to settle the debt but wouldn't let me pay in person, only over the phone with an email verifying the debt is paid. When I asked to have proof I was paying a real company, they told me that I will be going to court, getting hit on my credit and paying court fees and they will not accept any money from me now.

Company response to consumer: Untimely response