vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 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 have reached out to your guy before back in May about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more 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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently opened a new cash rewards credit card account with Synchrony bank. There was a problem when I attempted to make an internet purchase and it triggered a fraud alert with them. The telephone message I received appeared to be fake, so I called customer service. I called from my home phone registered with the account, and correctly answered their security questions. However, when I was transferred to the fraud department, and answered the same security questions, I was informed that since my telephone service is a VOIP service, it was considered " not secure '' and therefore, they would not validate me as the real customer. After much back and forth, they sent me an email with a " code '' that I had to repeat to them. It also seems absurd that if my VOIP service is not secure, what good is giving Synchrony Bank a " code ''. All the code does is validate that I can read my email. If the VOIP account is hackable, then it isn't a viable service for phone conversations. 

They claim that VOIP phones are not secure. Fraud alert inquiries from credit card companies are a common occurrence and I have never run into this type of statement before. 

Anyway, I think their position is absurd. I would appreciate it if you'd also communicate with the FCC as they oversee the internet regulation. If in fact, a VOIP phone service is not secure, why are they allowed to be marketed without proper security? Thank you.

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 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Credit union transferred my checking account balance to my credit card which caused a debit to bounce, resulting in {$110.00} overdraft fees. 

I called the credit union today ( XX/XX/XXXX ) and stated that if the credit union had not transferred my balance the debit would have cleared my account thus there would not be an overdraft on the account. I requested removal of the overdraft fees as I have NEVER had an overdraft on my checking account before. 

I was told that when I opened the account the paperwork stated that if a credit card payment is late funds will be transferred from other accounts. I opened the account in XXXX and have not had money transferred from my checking account before although my credit card payment has been late before. 

Navy Federal Credit Union did not give me any advance notice that they were transferring my account balance to the credit card. As the credit union has not done this is the past I had no idea my debit would bounce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: GA

Complaint narrative:
Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: GA

Complaint narrative:
I have reached out to your guy before back in XXXX about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: GA

Complaint narrative:
I have reached out to your guy before back in XXXX about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more 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 non-monetary relief
Consumer complaint received 2019-11-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX never responded to my dispute with this account.when there was a dispute about my bill.

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 2019-11-14 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: DISCOVER BANK
State: ME

Complaint narrative:
Discover card account in place since 2011 Account was closed without notification {$0.00} balance account with a {$3500.00} credit line Closure reduced my FICO score by 10 points When I contacted Discover they refused to reopen my account despite closure not being credit related, closure was due to not using the card This is a predatory practice as a natural result of reducing a consumers denominator in their debt usage ratio is reduction in FICO, which means long standing accounts with Customer-friendly rates and terms can be turned over and converted into newer less Customer-friendly accounts with higher rates and less benefits This is a violation of UDAAP due to its a usive effect on the Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.

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 2019-11-14 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: GA

Complaint narrative:
Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America withholds deposits and other transactions in order to assess fees. They just did it to me again, I was alerted immediately when my account became overdrawn. I then immediately transferred funds from my XXXX account into my BOA account, which usually hits immediately, but if didnt, then I was alerted I was assessed a fee so I went back to XXXX and transferred more money thinking maybe it will go through and it did not either. So now the money is out of XXXX and is not in Bank of America its being held by boa, meanwhile they are charging overdraft fees to my account. Im sick and tired of this shady business practice by boa

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 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FastBucks
State: NV

Complaint narrative:
Good afternoon, The company FastBucks have been harassing me for months now. The company has started to call my employer and continuously harassing me and my co workers at my place of business. It has gotten so bad that I have had to transfer departments so they would stop calling me. I faxed them a Cease and Desist notice to please stop calling me and they refuse. XXXX ( manager from fastbucks ) stated that they do not have to follow any of the rules from the FDCPA and they will continue to harass me and my work place and my personal number. The calls started at my place of business on XX/XX/2019. I advised them to please never call my job again and to cease and desist all collection efforts. They called my employer again the very next day XX/XX/2019. I alerted my manager and my team of security of the issue, my manager advised that if they do keep calling I may end up on disciplinary action. I spoke with XXXX on XXXX XXXX. She stated that my account was going to go to Legal and the {$220.00} that I supposedly owe will turn into {$1000.00} and they wouldn't be harassing me anymore. Today XXXX XXXX I received a email from my old co worker stated that they called again today asking for me. I have transferred departments because the harassment has gotten so bad. I have paid my loan off in full with a cashier named XXXX back in XXXX. This company has new management and they will not stop harassing me. I will be filing a restraining order with the justice courts, I am aware that this is a civil matter but I can no longer take the harassment and nasty phone calls that i've been receiving from XXXX and XXXX. They threaten me every time they call, every single time I tell them to stop harassing me they continuously say " we're not going to stop ''. I will be taking legal action going forward.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I'm a victim of identity theft. Someone had used my personal information to receive service at XXXX XXXX XXXX XXXX. I did not, authorize, approve, or use the services.

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 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo sent me a letter dated XX/XX/2019 saying they would investigate the XX/XX/2019 Complaint id : XXXX. They said they would follow up by XX/XX/2019. I have heard NOTHING. 

I see in the notes tracking the above complaint that Wells Fargo needs more time because they can't get a hold of me. I've tried numerous times to call XXXX XXXX at Wells Fargo and have never gotten through. I've left at least two voice messages and I opted out of their automated system to talk with someone else. I was told XXXX was the one I needed to talk with and that Wells Fargo couldn't give me an email for XXXX. 

I did try talking with my original loan representative, XXXX XXXX, and he said he thought they would dig into the details. 

XX/XX/2019 Status Now : I've left voice message for XXXX XXXX and sent an email inquiry to XXXX XXXX. 

I honestly don't think they care any more than they did when they rejected my refinance request due to not having enough time in my industry ( 15ys ) and because they can't verify compensation ( I own the company and sent my income to them ).

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 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RESOLUTION HAS AN ACCOUNT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE, DO NOT SELL, REPORT, TRANSFER OR RE-POST. SEND VALIDATION OR ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE COLLECTIONS 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 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
On XX/XX/2019..I was approved for a payday loan from cash aisle loan company which is a tribal loan company based in XXXX XXXX Wisconsin for XXXX..Loan number XXXX ..for XXXX dollars..This is an illegal loan per Illinois state law and the Illinois pay day reform act which states that any payday loan company must be licensed by the Illinois Attorney General to issue payday loans which this company is not..This company charges illegal interest per Illinois state law which states no payday loan company may charge more than 99 percent interest per year and this company charges XXXX percent interest a year which makes this an illegal loan under Illinois state law..To date I have paid XXXX on this illegal XXXX dollar loan under Illinois state law and an uncollectible loan in Illinois courts..I am requested since I have paid XXXX ,XXXX more than the XXXX principal that this loan be considered paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or around XX/XX/19 I designed two personalized debit cards from Wells Fargo, Today is XX/XX/19 and I never have received them. I have called numerous times asking about the delivery and have been given a ton of misinformation regarding the cards. And then was threatened by the agent ( XXXX ) that I spoke with on XX/XX/19 to shut down both my cards against my will, because it was a new " policy '' that she never stated until after being on the phone with her for over an hour. I have requested proof that the cards were sent, I have detailed pictures of my mail that is delivered to my house daily and have received numerous correspondents from Wells Fargo none of which are these debit cards. Every other time I have ordered a new card I have received an email saying the card is on the way, this one time I have not received any notification and it has been over 2 months since the initial order of the cards and the images being accepted by Wells. I have called and called and been given incorrect information and been told that I MUST change my card numbers. Mind you it took 3 additional weeks to receive these card numbers after being told in the branch that my cards had been requested numerous times and in fact they had not. MY CARDS ARE NOT LOST OR STOLEN THEY MEERLY WERE NEVER MAILED BY WELLS FARGO.

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 2019-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was going to buy a dog and a XXXX page contacted me saying that he had it and had to pay half before and half after I get the dog, and then I paid by the Zelle {$320.00} at XX/XX/2019, and then in a couple days he sent me a msg saying that i should get an email from the shipping company and could be at the junk, when he said that I already knew i got robbed, but i opened the email and there was saying I had to pay $ 900+ refundable to the shipping company, and then I told him that he never told me about paying that I didn't have that money, and he said yeah I know I should have told you before and bla bla bla , and then I told him that I already knew that the email was fake and if he didn't pay me back I would call the police, and then he blocked me. So I opened a case on XXXX XXXX XXXX but after one week they said that weren't their error and could not do anything about it. Hope everything is explained. 
Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I went through the proper channels to get this collection removed from my name and credit reports. I do not owe Trident Asset Management nor their creditor XXXX. I NEVER had or opened any services with XXXX. I've been with my current provider XXXX for well over 8 years or so. My previous provider was XXXX. I've sent numerous letters asking the company for any verification that states I had service with XXXX and they have sent me nothing. I really want to get this situation resolved as this has been going on for too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation