vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: IN

Complaint narrative:
I have a credit score/Fico score of XXXX, which is considered excellent, and it states that on my report, issued to me by XXXX XXXX, XXXX, XXXX, XXXX, etc. I have had excellent standing with all my creditors, loans, etc, for many years now. 
... .I have never been late with any payments, nor do I have any outstanding balances, on any of my credit cards, or loans, etc. 
... Yet, for the last four years a " company '' called " LEXIS NEXIS '' of XXXX, GA, has stated, on my homeowners, and auto policy renewal, that they have " insufficient '' information on my credit history, and I have % of balance to open accounts ... ... ... which is all " DECEPTION AND DOUBLESPEAK '', AND FABRICATION. 
... ..For this reason my insurance policy has gone up, every year. 
... I have never filed any claims with my insurance provider " XXXX XXXX  ''. 
I have a perfect record. 
I am asking the " CFPB '' to help me resolve this issue with this " nefarious '' company, LEXIS NEXIS '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: VA

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 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 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: VA

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 explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Hello, On XX/XX/2019 we received several phone calls around XXXX XXXX ( total 5 phone calls in 15 minutes ) from the toll free phone number : XXXX to our home phone. The caller introduced herself that she is from the SunTrust Bank Fraud department. She stated that for two days there were multiple transactions attempted from our personal checking account to transfer money : traveler 's check or Money order for over {$4000.00} USD. She spoke with a heavy XXXX XXXX accent. She asked me for my SSN number but repeated it back wrong ( twice ), then she asked for my first and last name " to access my account. '' What stopped me from giving my name is the fact that the lady gave me the wrong card number and could not repeat my SSN that I gave her twice over the phone. I refused to give her my name and the lady became very angry with me. I told her that I am not comfortable to provide any other personal information and hung up on her. Afterwards, I immediately called the SunTrust bank and spoke with the representative name XXXX that confirmed the SunTrust does not use this number for phone calls to the clients.

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 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiry on credit report, company should have placed soft hit not hard, I did not recieve credit from this company

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 2019-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Received credit card checks with promotional rate of 0 % until XX/XX/XXXX. 
I used the check in the amount of {$20000.00} on XX/XX/XXXX. And on the first statement they are charging the promotion fee of 1.99 % plus their usual 29.9 % apr interest. 
This is wrong. False advertising. 
I called the Elan Credit Cards. And they said they can not do anything about it and that I have to pay the interest they are charging.

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 2019-12-01 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
In mid XX/XX/2019, though I was able to send money using my linked debit card via Google Pay, I was not able to transfer or redeem money sent to me. I have called Google Pay now approximately 20+ times since XX/XX/2019, each time being told either there is not problem with my account and to try to collect/transfer my funds in 24 hours ; or that the " specialists '' have " reset '' my account and that my transfer would certainly go through properly, again, after 24 hours. 
XX/XX/XXXX I again attempted to transfer the {$800.00} which has been residing on Google Pay and was again not able to. After once again calling and being told that I would surely be able to access my money after 24 hours, I closed the account, having had more than enough of their shenanigans. 
Now, having closed the account, Google Pay still refuses to give me money, stating that they will wait 30 days from XX/XX/XXXX to " begin the process '' of " seeing where to send my money, '' which they say will take another estimated 14 days on top of the 30. This would mean that Google Pay will have had my money, at that time, for close to four months.

Please help with what would appear a fraudulent practice exercised by Google as they continue to hold my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: MA

Complaint narrative:
I received calls and letters from General Revenue Corporation about a debt they claimed i owed. They threatened me that if i dont pay they will mess up my credit and sue me. They messed up my credit score. I was very afraid and started making some payments. After paying over {$1000.00} to the collection agency even without them providing verification, they claimed that all the money i have paid were just applied towards their collection fee and not the so-called debt. I sent out a request for debt validation and verification ( Original contract signed with creditor with my signature ). They refused and failed to provide the required verification that meets the Fair Debt Collection Practices Act. They started shout and yelling at me over the phone and told me that they will not provide any more verification of the debt ( Original contract signed with creditor with my signature ). Instead they sent me a statement list all the previous payments I had made on the debt. I am requesting that they delete this unverified account off of my credit report or provide me the Original contract signed with creditor with my signature that shows that their claim that I am the person who owes the debt. They have been violating my Rights and Defamed my Character for over 3 years. My credit score has suffered terribly as a result. I have been denied apartments and credit as a result of their bullying and fear tactics and refusal to do what is lawful and to stop this illegal act against me. I am filing this complaint as another opportunity for them to do what is right and I am also filing this request as proof that i will use when i sue them according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt the provided a letter stating the debit is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone nobody could give me an explanation of what the extra {$50.00} was for.This account is ruining my credit and is preventing me from finding a home for my family. The status of limitation for the state of GA is 4 years and this account has exceeded at 5yrs & 4mos

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: VA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-01 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: OH

Complaint narrative:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX I have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX****,  XXXX XXXX XXXX/ XXXX # XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, There is a unverified account from USBK COURT XXXX OHIO DOCKET # XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.

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 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
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 explanation
Consumer complaint received 2019-12-01 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: OH

Complaint narrative:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX I have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, There is a unverified account from XXXX XXXX XXXX OHIO DOCKET XXXX XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 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: OH

Complaint narrative:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX I have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, There is a unverified account from XXXX XXXX XXXX OHIO DOCKET XXXX XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.

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 2019-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Online, I was able to get a glimpse of my TransUnion credit report. The personal information is outdated and false. I tried to login to TransUnion to dispute it, and was unable to login, repeatedly. Eventually, I was told that I must create a new account since I haven't been logging in regularly to TransUnion. ( I have a life, so why would I want to be logging into regularly to TransUnion? ) I tried to create a new account. I was immediately told NO, that username is taken. ( That's my username. ) I then tried to use my email address as my username. Again, I was told NO, that username is taken. It is my username and my email address, but I am not allowed to use it. Then, in frustration and desperation, I created a brand new username, and I was told NO, we can not process your request, you must call this phone number. When I call, I am given a long speech by their voice message system saying to get online, and then the call disconnects. 

My complaint is that TransUnion has got their entire software system and human resources department configured to push me out, upset my life, and waste my precious time.

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 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXXXXXX, XXXX, OHXXXX-XXXXXX/XX/XXXXXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX-XXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX , XXXX, OH XXXX , XXXX, Oh XXXX , XXXX, Oh XXXX , XXXX, OH XXXX , XXXX, OHXXXX XXXX , XXXX, OH XXXX , XXXX, XXXXXX/XX/XXXXXXXX, XXXX, OH Unknown TelephoneNumbersReported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX/XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX XXXX XXXXviaXXXX

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 2019-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have mortgage with Suntrust. 
I bank with XXXX XXXX XXXX for my business. 
I deposited a insurance check in XXXX for business. XXXX put a 13 day hold on my funds. 
I make arrangements with Suntrust for my XXXX payment. Arrangements for XX/XX/XXXX. 
XXXX held funds from XX/XX/XXXX till XX/XX/XXXX. 
I went in to XXXX on the XXXX th and told them insurance company said check had cleared why is it a hold. XXXX released funds and I paid Suntrust on the XXXX of XXXX. For my XXXX payment. Suntrust contacted me on the XXXX of XXXX. Saying they needed payment for XXXX again and XXXX. I stated I paid already. Suntrust stated they held payment till XXXX of XXXX. Mailed it back and wouldn't acept my payment. I just recieved it in mail on the XXXX. XXXX cant pay it again now they say they want XXXX also. This is second time they have messed up my credit by prolonging my payments trying to force foreclosure. I wasn't late for a year so I can refinance. But they do this to keep me at high interest rate. 
Suntrust did this to me in 2016 also and XXXX XXXX  resolved for me without legal action. 
I been in my house 13 years and value is up. They trying to force a foreclosure. I have deposit slip and payment info and copy of the check they sent back after holding for almost a month. Im disable and cant play these games with Suntrust. The have not let me refinance or access equity in 13 year. Wouldn't let me fill out application or even try.

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 2019-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received my XXXX statement from Walmart charging me interest. My account was supposed to be no interest until XX/XX/XXXX. When I called I was told this was because my account switched from XXXX XXXX   to Capital One. I was not notified of any changes to my account. They said they took over as of XX/XX/XXXX so the purchase made after are subject to interest but I specifically called to verify if a new purchase was still subject to no interest until XX/XX/XXXX prior to using it and I was assured it was which is why I used this card. They are telling me I was misinformed. I never signed anything with Capital One and in fact never even activated the card they sent me. The card I used for the XXXX purchase which they say is now subject to interest charges was the one from XXXX XXXX. My XXXX statement had a message on the top which only said my Walmart card may transfer to Capital One. No where was it stated of any other changes to my account. A copy of that statement is attached as well as my last bill from XXXX showing my promotional end date is XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.

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