vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am upset that this credit reporting agency - Transunion would try such a blatant stall tactic. I am demanding that they re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. They basically said they will not investigate my fraud dispute. They are violating my rights under section 605B of the Fair Credit Reporting Act. 

They also need to provide me with their method of investigation. I want the items indicated in my letter removed until a proper investigation is completed.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new  ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am writing a complaint to you all because of the run around Ive received from Synchrony Paypal Mastercard customer service as well as the massive issues with their application. I made a payment to pay off this card. Due to the application slowness, it didnt show it was taken so I made another one. And LO and behold, there were 2 payments taken out! One for XXXX and XXXX for XXXX. I called and was told a check would be sent in 10-15 days?? Unacceptable. So I scramble around to cover the bills coming out and then I wake up this am to find XXXX taken out twice! SO now my cking acct is short another XXXX which again adds more issues to covering my debits being taken out! I cant believe they still pulled my automatic payment when I paid this off and also when I had just spoke to someone who knew the issues and didnt check to see that an automatic payment was being pulled?? I called XX/XX/19 at XXXX Est and spoke to XXXX and then XXXX ( supposedly a supervisor with no soft skills ) and  XXXX just kept calling me XXXX and told me she didnt see any payments for XXXX and then back pedaled and said she did see one and that it was an auto payment and she couldnt do anything and that I had to call my bank. I am filing with the XXXX XXXX XXXX as well. Their practices are ridiculous and they leave their clients without any other resources.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I got a cashier check from my Credit Union in the amount of {$2300.00} to my credit card company - XXXX XXXX. Somehow Wells Fargo Bank got hold of the check and cashed it. There was not any information on the check pertaining to Wells Fargo, but the check was cashed. I have tried several times in phone calls to get the money returned. I have been told that Wells Fargo handles credit cards accounts for XXXX XXXX but XXXX XXXX personnel told me they are an independent bank. Wells Fargo Bank said that I had to go to my bank or to XXXX XXXX for assistance. But they told me that it is Wells Fargo Bank 's responsibility because they cashed the check that was not written to them. Still, they refused and my bank has tried and sent a request but Wells Fargo Bank Have not responded or acknowledged they received the 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 monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have repeatedly told Portfolio Recovery Services to cease contact with me and they continue to call, multiple times per day, from different numbers. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax does not allow me to place a credit freeze online. Instead refers me to a phone number where the agent says there is " not enough information '' on my credit file to place a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received an alert on XX/XX/XXXX from my credit monitoring service that a new collection was added to my permanent file from CommonWealth Financial. This is a medical debt in the amount of {$1800.00}, original creditor is XXXX XXXX XXXX. This makes the third collection agency this account has been sold to and each time I have had to prove my identity to the collection agency by verifying via phone and mailing in documents that the information they used to attach this bill to my name is not mine. 
Due to my husband being in the military XXXX XXXX XXXX verified the debt was not mine in XXXX when I literally drove down to Louisiana and handed them my driver 's license, my social security card and proof of my medical coverage and I was told at that moment that none of my information matched the information they have on file so they will remove my name from this account. 
This debt was later sold to agency # 1 and i disputed within 30 days, the collection agency verified via phone that they indeed had the wrong person when I was asked to verify my ss # and date of birth. The agency even had a different spelling of my name and a different middle initial, a different date of birth and a different social attached to this account. I was asked to provide them a copy of my personal information via mail to prove I am not the person they are looking for. Debt was deleted ( not temporarily removed but deleted ) from my file. 
Within a few months collection agency # 2 sends me information stating I owe this debt, of course I dispute within 30 days and this agency sends verification of my ss #, my date of birth and the correct spelling of my name that now match the information I sent to agency # 1. 
The most recent agency, CommonWealth checked my credit on XX/XX/XXXX per XXXX monitoring services so they were provided with a valid mailing address to properly notify me yet instead, they were allowed to add this debt back to my file without notifying me and allowing me the chance to dispute this yet again. My contact information is updated with all three bureaus so by them stating they " attempted to contact by phone or by mail '' is not a valid excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Starting on XX/XX/2015, OCWEN Loan Servicing stopped sending my monthly statements. When I called to ask why I was informed that because of my bankruptcy discharge they were no longer mailing it. I have not declared bankruptcy. I called their main number and after dozens of frustrating calls, I finally spoke with one of their reps. and she promised that she would help me with my concern as sure enough I received a phone call about two weeks later. She was very apologetic about what had taken place and I even received a letter from Ocwen stating that this had been their mistake. My statements began to be mailed to me again and I thought this was behind me. Well, Ocwen no longer services my account. It's now PHH mortgage services XXXX XXXX XXXX XXXX XXXX, NJ XXXX and guess what, we are right back where we were again. I called PHH on2 maybe 3 separate occasions and the last time I spoke with what has to be one of the most rude persons I have ever spoken to, said ( paraphrasing ) get a lawyer and take us to court. I don't know what else to do. Can you help me? 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
The XXXX XXXX XXXX  was already found to have illegally used my XXXX XXXX card account in ways not authorised and for work not completed ( roughly $ XXXX ). 
When I contested the charge with XXXX XXXX, they found in my favour and reversed the charges after I submitted an FTC complaint against them. ( Initially, their customer service was awful and could not follow the simple logic in understanding my first sentence, above. ) Once the FTC complaint was resolved, and XXXX XXXX refunded my money that the XXXX had illegally charged, I received ( almost a year later ) a collection notice that the XXXX - not XXXX XXXX - was trying to recover some of the funds. 
The letter states that they are collecting a delinquent obligation - which is wholly untrue in every way. It also states that they will be posting this to my credit report - which is completely unfair. 
I have had to have a lot of work done, including XXXX XXXX, to undo damage done by this XXXX and his [ at the time ] UNLICENSED XXXX. 
Attached is the letter from the collection company, and please note the XXXX XXXX case that I referenced : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
my credit card company capital one has been charging my account monthly interest rate, which should be included in my monthly payment plus am being charged a monthly purchase charges in witch they will charge my credit card directly. this is total Froud. 
XX/XX/XXXX XXXX XX/XX/XXXX {$5300.00} XX/XX/XXXX {$3900.00} XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DC

Complaint narrative:
I never received notice of a bill. I monitor my credit reports very closely since I had my identity stolen through the XXXX  security breach. I was made aware of this bill because a collection was placed on my account. I called the company to explain the bill is not mine and was met with harsh words and a demand to pay immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
A collection was listed on my credit report from Fair Collections and Out on XX/XX/2019. This company did not send me a dunning letter or any type of communication to give me an opportunity to dispute the validity of this so called debt. The amount listed does not coincide with any amounts that I may owe.

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 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I received a letter in the mail that Suntrust was going to close my account because I had to sign a form. I received the letter on XX/XX/XXXX. They said they were going to close the account on XX/XX/XXXX if I did not sign the form. 

I called the number on the letter and they said I had to go to the branch to sign the form I wen to the brach on XX/XX/XXXX and they ( XXXX XXXX XXXX XXXX XXXX ) told me that I had already signed the form. 

She said to call the branches business banker - I did and he never returned the call. 

A few days later XXXX said I needed then come back and sign the form so I did. 
A few days after that she called and said they were closing my account. 

She said that she had sent in the form I signed but my account was still going to be closed because the other dept ( Consumer OPS Risk Admin ) says I didn't sign the form. 

She says she knows I signed the form and that she sent in the form and that she doesn't know what else to do. 

. None of this makes any sense.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have contacted this company, Avio Credit, to submit to the credit bureau that the hard inquiry was a result of identity theft. They said they submitted to XXXX  and for me to give it 45 days. I did and it still wasn't removed so I contacted Avio Credit AGAIN and they said they will submit a 2nd time and for me to give it 45 days. That was 2 months ago and nothing has changed. 

My identity was stolen and 1 of the companies that this occurred with was Avio Credit , Inc . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of Avio Credit prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.

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 2019-08-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/19, I received an alert from my credit card ( capital One ) asking if I had made the following transactions. At a XXXX XXXX XXXX # XXXX for ( 2 ) purchases of {$310.00} each, and another XXXX XXXX XXXX # XXXX, in the amount of {$500.00}. I answered the text " NO ''. Then on XX/XX/19 I noticed that these charges were put on my credit card account, I called Capital One and asked why, they said that the merchant had requested payment for these charges. I asked Capital One to dispute them, and still the charges remain on my account. I received a letter from Capital One, saying that the investigation of the fraud had been resolved, I have attached a copy of this letter from Capital One. I also am attaching the charges that were posted to my Capital One account. I dont ' understand why Capital One pursues me to pay for these charges, I was not the one that made the purchases, on XX/XX/19. And this credit card has not been used by me to purchase at XXXX XXXX, I actually use another card from another bank, for those purchases. I would appreciate your office looking into this, and see if it can be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: VA

Complaint narrative:
I went in to this XXXX dealership ( XXXX XXXX XXXX, XXXX ) to checkout a used car I had seen online. As soon as you walk in they take all sorts of information about you. I told them not to do a hard pull on my credit report because if I decided to buy a car, I would go to my bank first to discuss a car loan with them. They told me a lot of people have the same concern and promised and assured me that they will not do a hard pull on my credit report. They said they might do a soft pull just to get an idea. Sure enough I get home, and I have an credit monitoring notification indicating that they did a hard pull on my credit reports ( through a company called CREDCO ) even though I explicitly forbade them to and they agreed. Accordingly, my credit score took a hit. 

They also repeatedly fudged their 'tentative ' financing numbers to trick me into thinking that I would be paying less with them than I actually would, so that I would agree to finance the car with them. When I called them out on it, the salesman sheepishly admitted that yea the numbers don't make sense. I got up and left. They also, with no information whatsoever, lied and told me I would get higher interest rates and pay more if I went to finance elsewhere.

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