vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-14 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: TX

Complaint narrative:
I have contacted XXXX, Equifax and XXXX separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX  XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days  after the date of receipt by such agency of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a VA loan that is current with Wells Fargo, over the past 10 years of so, they repeatedly have informed me that my escrow account was short, I have paid any shortages as well as put extra moneys into the escrow account for any future increases on property taxes, insurances increase for my impound account, yet Wells Fargo has increased my payments repeatedly, and I have had several calls with them to try and keep my payments at the same level, I have put in more then enough extra money in the escrow account to satisfy any increase, and just this last week, I was sent a letter by Wells Fargo that I can no longer put any additional funds into my escorw account to keep my payment at the current payment schedule, I have spoken with several other lenders and none of them have told me that this is the law or is required. I believe Wells Fargo has increased my payments even though I have paid shortages and put in funds into my escrow account for any future tax or insurance increases. I do not think Wells Fargo is acting in a Honest, fair manner and to tell a loan payer that they can not put money into their escrow account to cover any potential increases, that the borrowor is subject to yearly increases to my monthly payment is wrong and not in my VA contract for my loan. I have called Wells Fargo on this, asked them what law that allows them to do this or explain what law prevents me from putting any extract funds in my escrow account ... they could not provide my any, I hope CPFB can help me resolve this,

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 2019-07-14 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: VA

Complaint narrative:
I have disputed several erroneous items on my credit report both online as well as via US mail, however Experian maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because Experian refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: TX

Complaint narrative:
I have contacted XXXX, XXXX and Transunion separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2019-07-14 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: TX

Complaint narrative:
I have contacted Experian, XXXX and XXXX   separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2019-07-14 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank Card Services. 

On XX/XX/2019, Credit Card was reported to Bank as Lost/Stolen. Upon further review charges from XXXX on XX/XX/2019 for {$170.00} and XXXX for {$150.00} were charged to my account. TD Card Services was alerted that these charges were not made by me and my card was reported lost/stolen. 

TD Card Services refuses to credit these unauthorized charges and will not provide any documentation of what the charges were for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I enrolled into XX/XX/XXXX on XXXX Tenn. XX/XX/XXXX My spouse enrolled in XX/XX/XXXX. I graduated top in my class on XX/XX/XXXX.My spouse graduated XX/XX/XXXX.We set out after acquiring our license to open XXXX and make lots of money!!! I discovered the theft of all our financial aid and loan monies in XX/XX/XXXX. I had already been given the run around by corporate many times prior to this date. I couldn't figure out why I was having problems as I attempted to work in the XXXX XXXX to feed my family? I discovered that these people had enrolled me into their XXXX NY campus, maxed out a {$30000.00} financial aid and loan package and said, '' transferred ''? Presently they are cyber and physically stalking me and my spouse. Call into all job opportunities getting me terminated. I last worked as a XXXX  XX/XX/XXXX in XXXX TN for XX/XX/XXXX on XXXX XXXX an affiliate of XX/XX/XXXX where I was wrongfully terminated and my commission monies over XXXX dollars was seized. License as well. Are these criminals above prosecution? XXXX XXXX XXXX stole my and my spouse identities upon enrollment. They still have it!!! We are presently XXXX  living in rest stops trying to get these criminals off our backs!!! EEOC case # 's XXXX ; XXXX ; XXXX are still active matters ( EPA  ) that these criminals seized control over!!! XXXX was a matter where I was ran off my job as a XXXX  for XXXX XXXX in XXXX XXXX XXXX in XXXX TN. My spouse was employed here at this XXXX XXXX XXXX   prior to myself. She resigned because of harassment and bullying. I began working there.XXXX XXXX XXXX/XXXX   is the leader in the XXXX  XXXX  as a result they break all the rules regarding discrimination!!! They bribe anybody " on the take ''. Vicious unethical criminals!!!

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 2019-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed several erroneous items on my credit report both online as well as via US mail, however XXXX  maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because XXXX refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these inquiries I did not authorize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services
State: AZ

Complaint narrative:
Got a pay day loan from inbox loans on XX/XX/2018 for XXXX $ Couldnt pay it back so they started garnishing my wages and they say I owe over XXXX $ and when I try to call the loan company there is no answere and I feel this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I Pulled my credit Report notices that there where Collections on my report that i was never Informed of. Wrote the company Credit Bureau Associates on XX/XX/2019 Requesting that they Provide Proper Documents validating the Above Collection that was applied to my report. I sent the Letter Certified Mail they received it on XXXX XXXX i allowed the 30 days. I didn't receive anything from the Credit Bureau Associates i then sent a follow up letter stating because they have yet to send the proper documented stating this was my account. Because of the Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. The follow up Letter was sent out on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was applying for a car loan in XXXX, and the dealership rate shopped me. One particular financing company, XXXX XXXX, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted XXXX XXXX directly already, and they were extremely rude. 

I also contacted Transunion, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, Transunion only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given 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 2019-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
They brought me court I had 4 months left on leases to buy after the lease was up I was late in payment and want to pay XXXX to catch my lease up we went court and judge order me to give them they car I pay all that money on that car and I was fighting to keep it they would stop me from trading it at dealership because of they words. I did want to take my XXXX towards bring payment up to date .I FELL THEY CHEAT ME OUT THAT CAR. NOW THEY WANT ME PAY FOR CAR I HAVE IT WAS LEASE. They went on my credit report and put I work for XXXX XXXX XX/XX/2014 and I open my account onXX/XX/2014. I did know till i put my credit report they use my son information but i the one who buy the car they did because they had sold me lemon car. I was going suit them so they put in new car to XXXX me up. now i was at end of my lease did want take my XXXX to be caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 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: CA

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-07-14 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: CA

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-07-14 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: CA

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: AZ

Complaint narrative:
It's not with the company of collections, it's with the school. They told me over the phone if i sign this federal loan I'll have a free ride through school until I graduate with my XXXX XXXX XXXX XXXX. Then one day, they call asking why I haven't paid on my loan. I told them I was told I didn't have to until graduation and they said that it wasn't possible. I guess I should have known it was too good to be true but this has ruined my credit score and any chances of ever owning my own property. It isn't fair. 

Summer of 2011, I believe I started at XXXX XXXX online. And a few months later, they hit me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TCF NATIONAL BANK
State: MA

Complaint narrative:
I was applying for a car loan in XX/XX/2017, and the dealership rate shopped me. One particular financing company, Gateway One, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted Gateway One directly already, and they were extremely rude. 

I also contacted XXXX, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, XXXX only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Compass Bank offers 2nd chance checking everywhere!!! When I tried to open an account. I deposited {$500.00} in a checking & {$500.00} in a savings. They approved me, then turned around and denied me!!! They reimbursed my {$1000.00}. But it took them some time. I cant open a checking account!! I am working with XXXX firm to straighten out my credit. I have 2 credit cards, and cant open a checking acct. to set up bank pay with my cc companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ClearOne Advantage, LLC
State: PA

Complaint narrative:
On XX/XX/19 I applied for a Debt Relief Product from XXXX  XXXX XXXX XXXX. the Account Executive # 1 ( Name XXXX XXXX ) after explaining how i had been overwhelmed with credit card and personal debt after falling behind with some bills during the XXXX  XXXX  XXXX, i tried to negotiate with these companies until got my finances but i received little to no help from them, so i been looking for financial that might help get back on track XXXX told me that the credit card companies really nerve work with the consumer 's in the way that their company would I was informed that i would be clear of Debt in four years and i would be saving a great deal of money if i allowed this company to deal with my creditors and debt after running my credit check, he came-up with a solution that allegedly suppose to get my out of debts and lower my high interest credit cards and loans, I decided that the information that he gave me sounded good and that i can finally resolve my debt, what he didn't tell me that he was giving my information to a second and third company # 2 Clear One Advantage LLC this company has document with my signature that i dint authorize # 3 XXXX XXXX XXXX XXXX ( Saving processing company this company takes the Money from my Bank Account they also have my signature ( electronically signed and initials ) on documents that i'm not aware of what they mean along with unknown fees this company is listed at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OK XXXX ( Clear One is located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX/ and XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX Ca XXXX. I was never informed that my information would be given to other companies, when i found out later that evening i tried several times to contact Mr XXXX neg reponse My name is begin use without my permission, information that i didn't agree to or didn't know about has my signature and initials al unauthorized with this unknown company they are taking advantage of the consumer and this is a lot of fraud going on i called and sent an e-mail today to cancel this product I'm with in my three days as of XX/XX/19 but Mr XXXX never told me about this in read over the contract that evening and found out all the inconsistency in the application processing someone need to stop this fraud with this type of company as a consumer who is already in distress with bills this is not fair to let these company take advantage.

Company response to consumer: Closed with explanation