vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-03 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: MI

Complaint narrative:
I settled a charge account with XXXX/XXXX  via a debt negotiator for {$2200.00} The account was charged off XXXX, XXXX, and settled shortly after. Therefore, there was no data to report after XXXX, XXXX. On XXXX, XXXX, my report shows an active account, then another charge off on XXXX, XXXX. My account then shows an active status from XX/XX/XXXX until XX/XX/XXXX with another charge off on XXXX, XXXX. 

My Experian report shows '' status updated on XX/XX/XXXX '' There is nothing to update. The issue was resolved in XXXX. I have a " potentially negative '' alert regarding this account, and this info is scheduled to remain on my credit report until XX/XX/XXXX when it should have been off no later than this year. 

I never re-opened this account, there is no way XXXX would have allowed me too, so there has been no activity on this account. Can you please help me with this? This account information does not show on my XXXX  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 2019-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
First of all, I started receiving collection letter addressing to XXXX XXXX that I had no clue of what they were about because I am XXXX XXXX. And then, on XX/XX/XXXX I noticed a collection on my credit report for the amount of {$1400.00}, account # XXXX, which was opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX. I disputed the case with my credit bureau ( XXXX, XXXX, XXXX  ), and then I sent a letter on XX/XX/XXXX to the company. Unfortunately, I notice later that this collection remains in my credit XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a victim of identity theft in XX/XX/2014. Wells Fargo sent me a letter saying that they stopped the transactions on my Wells Fargo Credit Card and credited my account. Well, I had it set up where my credit card would automatically draft from my checking account and pay the balance in full when the bill was due, so it took {$920.00} from my checking account. I called multiple times to get this issue resolved and even had a personal banker work on my case, but Wells Fargo customer service kept transferring us around and never letting this issue go any furthur to being solved. It has been 5 years and they still have not solved this issue and it has been written as a charge off on my credit report and still reporting to this day.

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 2019-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There data breach has put my information into XXXX XXXX databases, and serveral breaches which has limited my XXXX career because I have never been a member of XXXX XXXX or its websites. My Employment has been severly limited by there irresponsibility.How can I pass a competative credit check for a job with these alerts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a line of credit at my dentist office ( XXXX XXXX ) in XXXX XXXX, FL. in XX/XX/2018. The credit line was to cover for the deductible payment my health insurance wouldn't cover. I applied with the receptionist desk & they advised that my line was approved for {$1500.00} and I agree use the amount to finish with my XXXX   XXXX/XXXX. 
After paying my account for more than a year - I reduced the total amount due to {$1200.00}. However in XX/XX/2018/ I was charged {$430.00} in interest charges on purchases. 
I did not use this line of credit after my XXXX  XXXX and have been making on time payments usually paying a little more than the minimum due in good faith. 
According to XXXX XXXX XXXX/Synchrony Bank - I now owe over {$1600.00} due to the added interest charge. 
This has caused for my account to reflect " over the limit '' line of {$1500.00} - which has drastically reduced my credit score. They are calling me every day but they will not address my disputes concerning the interest rates and their unethical way of collecting money. 
I have prided myself in building and maintaining a good credit report. I believe this company is fraudulent and are basically robbing me of my money, time & peace.

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 2019-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Our mortgage is with Wells Fargo .For 14 years since they took over XXXX , weve been paying an interest rate of 6.75 % ... Since then my wife lost her well paying job, went back to school, started her own business earning a lot less.Im retired lost a lot in XX/XX/2008 ... .I asked WF to refinance at a lower rate, no extra cash out, he laughed because my credit score is below their standards.Next I applied to them for financial relief, filled all the necessary paperwork and got denied, because they couldnt lower the payments low enough..really

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 2019-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
First off I am not very good on computers nor dealing with online situations. My sister is helping me file this complaint with you. 
XX/XX/XXXX - I applied for a loan through Rise Credit for {$2000.00}. My son actually found the website for Rise and completed 95 % of the Rise Application for me but I was sitting with him while completed the online application. 
Once submitted, Rise came back and said would let me know if I was approved for the loan. 
I then forgot all about it and several days later when reviewing my checking account I found that they had already placed {$2000.00} into my account.I was not sent nor given the details of the loan ie ... the interest rate of 238.36 % for the loan until after the money was placed into my account. I would have rejected/not accepted the loan if I had realized it was a 238.36 % interest rate. They set up ACH installment payments of {$410.00} a month which I can not afford. I did not give the loan much thought until after XXXX and I had used all of the money for XXXX and bills. On XX/XX/XXXX the first payment was pulled from my checking account {$410.00}. I thought the payment would be {$220.00} for the month at most. I did not realize it was {$220.00} biweekly if I chose a biweekly payment. When they took {$410.00} out of my checking, I called them to discuss the loan and terms of loan repayment. They said the best they could do is split the payment in half and have me pay twice a month. 
I am on Social Security XXXX ( Fixed income ) with limited resources. I would NEVER have agreed to a 238.36 % interest rate nor payments of {$410.00} a month. I can't afford this. I can't believe that this is legal-this is more like loan sharking and preying on people who are not able to defend themselves. I am more than willing to pay the {$2000.00} back at a reasonable interest rate and reasonable monthly payments of {$200.00} a month ( ie ... a credit card rate for people with limited resources perhaps 25-28 %? ) not 238.36 % how can this even be legal? 
I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX  XXXX  XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as  delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I signed up for a Business Advantage Checking account on XX/XX/2018 with a sign up bonus offer. The offer was to deposit {$5000.00} and make 10 electronic transactions, to receive a {$500.00} bonus. I believe the promotional code was XXXX. Upon completion, I received only {$200.00} on XX/XX/2018. I have made several calls to the company, both the local branch and main telephone number. They opened up " investigations '' with a promise to call back. I never received any calls back, nor the rest of my bonus.

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 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Over the past 18 months I have been receiving security text messages from PayPal with a six digit security code. This was odd because I do not have a PayPal account. After reaching out to my bank this past XX/XX/XXXX, we identified several fraudulent charges to my credit card stemming from a PayPal transaction. After calling PayPal in XX/XX/XXXX, I was informed that an account had been opened using my personally identifiable information ( e.g., phone number, date of birth ). However, the account used an email address that I did not recognize. After being told that were cancelling the account and print a flag on any new account being opened using that information, I then began receiving more suspicious text messages from PayPal today ( XX/XX/XXXX ). 

I called up my bank and had them block any transactions originating with PayPal ( as I do not conduct business with PayPal ). I then called up PayPal to try and resolve, and at first they told me that an account exists with my information only to tell me the exact opposite five minutes later when I asked for security measures to be implemented for the account. After they refused to do anything about the, I reminded them that they are subject to federal regulation with regard to the protection of personally identifiable information. After not having any luck with then in this regard, and having patiently tried to handle this with them directly over the last 18 months, I've decided to submit a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 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: FC HoldCo LLC
State: VA

Complaint narrative:
To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX XXXX XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as delinquent

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 2019-02-03 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: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

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 2019-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I tried to rollover two separate IRA accounts. The IRA 's were suppose to be sent electronically from XXXX XXXX XXXX, to Regions Bank. One account was accepted, by having a required disbursement made and deposited into a CD account. The remaining amount that the disbursement was made from, was then supposed to be comingled with the other IRA & made into one separate IRA rollover. Regions documentation shows transfer was accepted, however the account that was set up, was cancelled, because Regions states " the account had not been funded ''. Then XXXX XXXX states " they sent a check to Regions. However, that check has not been deposited and account opened, This took place XX/XX/2017, the amount was 20,000 plus.

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 2019-02-03 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: NC

Complaint narrative:
Hello, My name is XXXX XXXX. XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX AT XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I called Capital One to dispute 2 credit cards that I found on my credit report. I have never opened nor authorized anyone to open a credit card under my SS number for Capital One. It took Capital One over 15 days to get back to me and at that time the supervisor told me that there are 3 cards under my name. Account ending in # XXXX, Account ending in # XXXX, & Account number ending # XXXX. I did file a complaint regarding this with Consmer Protection. A supervisor called me from the Executive office on XX/XX/XXXX to discuss the account. She stated that they find the accounts valid because the cards and the statements were mailed to my place of business. I stressed to her that there are over 500 offices  in my building and whom received the cards. The address that they sent the cards too do not even have my business suite number on the accounts. I have attached a copy of my Illinois Cyber Drive Detailed Report with my correct address on it. They do not have this address on file. They are missing the suite number. This is why I stressed to her numerous times that I did not receive the cards. I also asked her if the charges on the account were reviewed and she said no. She also stated that there were payments being made to the Capital One accounts from 2 checking accounts that do not even belong to me. One was a bank named XXXX and the other was XXXX XXXX. I have never had a checking account with either of the banks listed. They are accepting payments from a fraudulent bank account to pay for the charges ( that does not belong to me ). I asked for proof that these accounts belonged to me and they will not send me any information. I have provided them with a police report that all of my information was stolen and that I am a victim of identity theft.

Company response to consumer: Closed with explanation