vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: GA

Complaint narrative:
On XX/XX/2019 I filed with Experian on line dispute of a fraudulent account on my credit report. The fraudulent account was XXXX. This credit account was opened with my stolen social security number and dob. I received back a dispute results dated XX/XX/2019, report # XXXX stating the information was accurate. I then requested they block said information and on XX/XX/2019 they sent a letter requesting additional identification of myself. I then responded with all documentation which included Copies of the following : SS card, drivers license, their letter requesting said information, copy of request to block unauthorized charges, police report, FTC report, Experian credit report. I then received a letter from XXXX XXXX  dated XX/XX/2019 that they had notified all credit reporting agencies to remove this account from my credit bureau report. That I was not responsible. I also made a copy of the letter and mailed to Experian and attempted to upload the letter per their upload site but there site does not work. The other two credit reporting agencies have deleted the information from my credit report and have provided in writing they have done so. All credit reporting agencies were provided the same information to support this is a fraudulent account, and verified by XXXX XXXX  investigation this was a fraudulent account on my credit report. Experian is the only credit reporting agency refusing to remove this Identity theft from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: KS

Complaint narrative:
I have a DirectExpress card. I receive my SSDI on the third and my XXXX son 's receive SSI on the XX/XX/XXXX. All three go to the same card. When I used the card on the XX/XX/XXXXit was fine. When I went to withdraw from the card on the XX/XX/XXXXto pay my rent and utilities ... I was unable to use the card. In fact the message I received was that I was not an authorized user. I thought perhaps it was a glitch so I attempted to use the card at a store where it was denied. I then called the number on the back to obtain my balance and was immediately sent to a recording and placed on hold for over two hours and then hung up on. This has happened multiple times over the last 2 days. Today on XX/XX/XXXX I attempted to withdraw from the card again and received the same message so I attempted to set up an account on their website to find out what was going on with my card only to be unable to do so. The card is completely locked and the website states that all my information is wrong. I have attemped to contact DirectExpress countless times at all hours, I have contacted the bank Comerica Bank that issues the cards ( only to be told they have no access to the accounts ), I have contacted the XXXX XXXX XXXX, and am now contacting you. I have literally reached a dead end and have no idea what to do at this point. I currently have a call into my governor, congressman, and my attorney as I genuinely feel this may be a case of internal fraud. The fact that they are failing to contact me back and are continuing to hang up on me only feeds that belief. It is my hope that filing this complaint will help resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hi, this is a complaint i want to do to about all credit reporting agencies.

But I will use examples from just one ( Experian ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them.

So first thing is that with experian i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in.

next thing is that it takes forever to call in because I literally had about 15 minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with Experian XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.

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 2019-12-04 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2019-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
I am currently in the process of buying a XXXX XXXX XXXX ( Vehicle-ID XXXX ) with Carvana LLC. Everything for the loan is done, my income is verified, I signed the contract electronically and I requested delivery of the vehicle for XX/XX/2019 or XX/XX/2019. The only thing that is missing, is the bank confirmation, that the required down payment of XXXX ( XXXX XXXX ) $ is not currently in my account available I am out of State and will return on XX/XX/2019, and the XXXX $ will be available on XX/XX/2019 early in the morning. Carvana does not charge the account until the vehicle is accepted by the customer, so I asked their Customer Service Person, to please hold the vehicle until XX/XX/2019. I was ( pretty rude ) told that they can not do that and I should look for another vehicle and then go through the procedure again. I know for a fact from a friend of mine who bought a car from Carvana, that they did exactly this -holding a car for 6 days. ( I will get a written statement from my friend ) BTW-Carvana provides delivery service between 5-15 days after the deal is done. It would cause me a potentially very substantial financial loss, if Carvana could not hold the vehicle until XX/XX/2019. Actually it would only be an extra 2 days from their normal delivery date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: VA

Complaint narrative:
XXXX XXXX continues to call me at work despite being asked not to contact me. XXXX XXXX   has reported inaccurate information to the credit bureaus. Specifically, XXXX XXXX  is reporting late payments. I had a special payment arrangement in place with a set amount.

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 2019-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/2019 we submitted a request for loan modification with all required documents to PHHXXXX XXXX Mortgage Services. After 90 days we received a decline letter that advised we were not 2 months behind on payments. During this period of time we were forced to file for bankruptcy protection, exempting our house. This was discharged on XX/XX/2019. We choose this direction to make sure we at least had a roof over our head. While our current loan amount is {$240000.00}. In XXXX we received a copy of an appraisal that the lender had done from our modification request that stated the property had a value of {$200000.00}. This looked like we were nearly {$45000.00}. upside down on the loan and yet they declined us. Additionally I contacted the lender to question this and then request a VA rate reduction to lessen the payment, our current rate is 5 % fixed, they advised me to contact the VA??? Not sure what they were thinking. The customer service level of this company has been terrible, you can not contact the designated person they indicate in their letters. We continue to stay current with this lender, but it has taken it's toll on our ability to pay for prescriptions, health insurance and food. Any help you can provide is appreciated. All documents are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX who identified himself as a team member for IQ Data. He said he was contacting me about a debt owed to my previous apt complex. During the call he stated to me that IQ Data would be charging me 12 % APR daily until I paid the amount. I attempted to explain it was a disputed amount and he then said he would not discuss the validity of the amount and that he would just send me to collections and ruin my credit. Both statements are in direct violation of both Federal and State law. 

Additionally, on XX/XX/XXXX I advised them not to contact me except to verify the date and that I am not to be contacted except during evening hours, I received another call from IQ Data on XX/XX/XXXX during the hours ( XXXX ) that I asked them not to call me, nor during the call would he discuss providing verification of the debt. After advising the rep of the time to call I was again called by IQ data XX/XX/XXXX after XXXX and before XXXX. 

Furthermore, I have never received a written statement from IQ Data detailing the debt or any of the other statutorily required written notifications. I pointed this out to XXXX during my XX/XX/XXXX call and he said they don't have to send anything in writing since the original debtor sent a bill. This too is in violation of Federal and State law that require written notification of a debt, not a phone call. Per the Fair Debt Collection Practices Act if I, the consumer, notify them that the debt is disputed they are to cease communications for 30 days and perform a re-investigation of the debt. After notifying them on XX/XX/XXXX of the dispute over the debt they continued to call I notified them on each subsequent call ( XX/XX/XXXX and XX/XX/XXXX ) that the amount was in dispute. 

I was forced to send a notice to IQ Data, and their Registered Agent, notifying them of the dispute and that they were in violation of Federal and State Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I obtained a copy of my credit report and it reflected a debt for Caine Weiner on behalf of XXXX XXXX, however I contacted my insurance company that have been the same for several years and no debt appears on my record, therefore nothing to collect since I do not owe them nothing. 
Again in XX/XX/2019 I met with my financial counselor and the account still appearing on my report and reported by two of the bureaus XXXX & XXXX. This is affecting my score even more. It is not allowing me to move forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2019-12-04 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have both checking and money market savings accounts at Citibank. On XX/XX/2019, a large deposit of {$210000.00} came in to my checking account from XXXX. When I got the XXXX, 2019 statement,, I saw that the interest rate was very low ( near zero ), I went to the Citibank XXXX XXXX branch on XX/XX/XXXX and saw that there was a Cit Savings account promotion to pay 2.00 % interest for 3 months ( up to {$2500.00} ) with a {$25000.00} deposit. After that, it would pay 0.57 %. 

The manager at the branch said I could get the higher interest rate if a new account was opened. So my old savings account was closed and a new account was opened on XX/XX/XXXX. These are the relevant account numbers : Checking account- # XXXX Old Savings account- # XXXX Ultimate Savings Account ( USA ) New Savings account- XXXX XXXX Citi Savings The original balance on the new account after the transfer was {$260000.00}. The current balance on XX/XX/XXXX is {$200000.00}. The account balance has been over {$200000.00} since it was opened, well in excess of the required {$25000.00} minimum.balance. 

I received higher interest for XXXX of about 1.30 % which was a little less than I expected but at least it was higher than before. But then at the end of XXXX, I was shocked to see that the account only paid an interest rate of 0.12 %. I went to the branch and asked why the interest rate dropped so much, and they said they thought I was entitled to the 2.00 % interest rate from XX/XX/XXXX through XX/XX/XXXX. They filed an internal inquiry with Citi headquarters to get the higher 2.0 % interest rate paid. 

But at the end of XXXX, I was shocked again to see again that the interest rate for XXXX was again only 0.12 %. I went to the Citibank XXXX XXXX branch this afternoon fo find out what happened. The branch manager told me their internal request was rejected. I couldn't understand why it was rejected, but he said it was because the new funds from XXXX were originally deposited in my checking account more than 5 business days before the new savings account was opened. Even if this is true, this was never explained to me when the new account was opened, and I could have invested with another bank offering a higher interest rate. Overall, I think their 2 % promotional offer was highly deceptive and they should have told me before hand if I was not eligible for the 2 % promotional rate.

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 2019-12-04 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: IL

Complaint narrative:
I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My student refund check of {$2100.00} got direct deposited into my Paypal account in XXXX of this year. I paid {$500.00} for a deposit on an apartment. 4 days after the deposit, I got an email from Paypal saying that my account was permanently limited because they " think Imight be a potential risk '' to their company and they would release my money in 180 days. Needless to say, I lost the {$500.00} I paid for a deposit on an apartment. Ive done absolutely nothing illegal or fraudulent at all on Paypal or anywhere else. Someones thought of the day left me homeless. Theres got to be someone that can help.

Company response to consumer: Closed with non-monetary relief