vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I recently began repairing my credit, while doing this I noticed two paid accounts that I have with XXXX XXXX which were paid off in XX/XX/XXXXare not listed. Also that many names and social security numbers listed in my account were not correct. They promptly removed the incorrect names and social security discrepancies which I am very grateful for. I contacted Experian on Friday XX/XX/XXXX and spoke with customer service to resolve the accounts not being listed at this time they explained that this is because of account maintenance. I told them I understand but would like for them to remove my recent inquiries because this maintenance is the sole reason I have been denied for credit cards and car loans I have recently applied for. I recently became unemployed and this has caused me much trouble. I feel like my credit should be reported correctly as I understand accounts may need maintenance but I should have been notified. I would not apply for anything if that was the case. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX and 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 2019-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX and 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 2019-08-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TX

Complaint narrative:
I have 13 hard inquiries on my credit report. I only recognize 3 of 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 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Around XX/XX/2019 I made house payment by mistake twice once on Wells Fargo mobile and i forgot and accidentally while paying other bills made one on XXXX XXXX XXXX mobile which I use for other bills which I have used to make mortgage payments sometimes to which one I can remember password to first to which usually forget the well Fargo so I will use XXXX XXXX XXXX mobile for. I became aware on XX/XX/XXXX or XXXX the and called XXXX XXXX XXXX to stop payment and then I called wells fargo they assured me it would be stopped I was XXXX overdrawn in my account. So from this we know this was a mistake. I have NEVER OVERDRAWN MY ACCOUNT ON PURPOSE. So I called back with then both on phone they played verbal gymnastics while I'm crying to the top of my lungs. I was taking my daughter to college the next day and counted on that XXXX dollars I had to buy stuff she needed that I now couldn't buy. The wells fargo rep was heartless and this has hurt my family financially. I want my money returned by tomorrow morning to my account and I want damages they have caused me imposed by XXXX XXXX XXXX at XXXX per transaction for returned transactions. I called both of them as soon I as became aware of mistake. I dont carry my phone around all day so I wouldn't become aware until I do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-08-15 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
FRAUD  TOOK MY MONEY. THEY KNOW IT WAS A MISTAKE I MADE. THEY CANT SHOW A TRANSACTION I MADE TO THEM TWICE ON PURPOSE. THIS COMPANY IS BEING ALLOWED TO BE FRAUDULENT IN THEIR WAYS AND HOW THEY DEAL. THIS IS CRIMINAL. I WANT MY MONEY RETURNED NOW!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original sign

ed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my
ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : 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 2019-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 2019-08-15 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/2019, I hired a gentleman whom was advertised on XXXX and XXXX as XXXX XXXX as a Debt Allocation Specialist. He had degrees from XXXX and XXXX  XXXX and specialized in debt payments. 

Unbeknownst to myself and both my Navy Federal and XXXX checking and savings accounts, XXXX gained access to my home network server and gained an entrance to every single bank account and credit card that I possessed. XXXX, single handedly went into my Navy Federal Account and made cash advances on each of my credit card and maxed them out. I am currently liable form almost {$80000.00} in fraudulent and reversed charges because of them person. 

My complaint comes at Navy Federal Credit Unions lack of investigation. According to the NCUA guidelines, it is my understanding that the credit union would have performed a thorough investigation. However, this did not happen. Despite the fact that I called NFCU at least a dozen times to inform them of XXXX  fraudulent an illegal scam, I was never allowed access to any security or investigator at all. This continued for almost three weeks. 

In the meantime, XXXX again gains access to my same Navy Federal account and makes fraudulent payments from an illegal XXXX XXXX XXXX checking account. An account that I had no idea even existed. 
Again, Navy Federal did nothing. The Union seemingly sat back and watch as XXXX conned and stole my money. So much so, that even a fellow Navy Federal member who received some of the stolen monies was never even questioned. I know this because I was told so by several of the employees of the union. 

I have very serious issues with not only the person of XXXX XXXX whos ads are still prominently displayed on several Social Media sites, but I have extreme issues with Navy Federal Credit Unions lack of response. To day, the union has not conducted one bit of investigations into my claims. However, according to their records, Im still liable for all of the almost {$80000.00} that was stolen. This is against all rules and regulations as set forth by your Association. 

Police reports and statements are included. 

Thanks for your time. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Siggi LLC
State: GA

Complaint narrative:
I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are Omni Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I enrolled in a promotional APR for my card, which says interests for new purchase from XX/XX/XXXXwould be calculated at a level 1.99 %. 

Previously before XX/XX/XXXX, the balance is around 3000 dollars. At XX/XX/XXXX, I made a purchase at XXXX for XXXX dollars. But later due to a change of plan, I cancelled that ticket and they refund me XXXX dollars. For that billing circle, from XX/XX/XXXX to XX/XX/XXXX, the remaining balance on my credit card is XXXX, which means it is paid in full. So the mechanism here is that for a total balance of XXXX, the credit received from XXXX, which is XXXX dollars, is used to pay the balance before XX/XX/XXXXand a part of the purchase from XXXX. 

Then from XX/XX/XXXX to XX/XX/XXXX, I made no new purchase and paid a minimum payment for the card. They charge me about 50 dollars for the balance before XX/XX/XXXX. 

On my XX/XX/XXXXstatement, the balance subject to APR charges is XXXX. 

It is ridiculous. How come? Last month the balance is paid in full. For a month without any new purchase, they told me the system says you need to pay interest for balance that is paid full in last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are XXXX XXXX, U.S. Auto Sales, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I OPTED OUT OF SHARING MY INFORMATION AND TELEPHONE NUMBER, I'VE BEEN WITH DISCOVER CARD FOR A FEW YEARS NOW AND THEY BROKE MY PRIVACY POLICY, I CALLED DISCOVER SEVERAL TIMES AND THEN CALLED THEM AGAIN ON XX/XX/2019, THE CUSTOMER REP EXPLAINED TO ME THAT SOME CALLED IN AND REQUESTED THAT MY TELEPHONE NUMBER BE SENT TO OTHER COMPANIES. I REPLIED BY EXPLAINING TO HER THAT I NEVER EVER AUTHORIZED ANYONE TO CALL YOU AND REQUEST MY NUMBER BE DISBURSED TO THESE COMPANIES. THEN I CALLED DISCOVER CORPORATE AND FILED A COMPLAINT WITH THEM REGARDING MY TELEPHONE NUMBER AND PERSONAL INFORMATION BEING GIVEN TO THIS INDIVIDUAL THEY SAID CALL IN AND REQUESTED ALL THIS INFORMATION. I NEVER EVER CONSENTED OR AUTHORIZED ANYONE TO CALL DISCOVER AND SOLICIT MY PERSONAL INFORMATION. THESE ARE THE NUMBERS THAT ARE CALLING ME 24/7 DAYS A WEEK : CLAIMING THEY ARE DISCOVER THEMSELVES AND I'M IN GOOD STANDING WITH DISCOVER : 1 ) XXXX THEY DISCONNECTED AFTER I CALLED. 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX ALL NUMBERS CLAIMING DISCOVER GAVE THEM MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2018 I had all 3 credit bearus investigate LVNV Funding it was determined that the debt was not mines and deleted from my credit report on XX/XX/2018 I was notified of the same collection being placed back on my credit by LVNV Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hello I am having an issue with a series of multiple medical collections being reported against my consumer credit files by a company that refuses to process my disputes. They have yet to verify anything, even though I have asked them for the better part of 1 year. 

These accounts are reflected against XXXX, XXXX and XXXX and are stamped as " meets FCRA requirements '' but none do as none have been documented to me. I contend that they are not mine and the company reporting them has failed to investigate the matter as directed by myself in compliance with my rights under FDCPA/FCRA. 

I have been given the run around for a long time and am asking for mediation by this federal agency in addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: MI

Complaint narrative:
Two large issues. 
First, my brother and I have the same initials and our social security number are off by one digit. Equifax combined us into one person. 

Second, in like XXXX or XXXX my identity was stolen, and my mailing address was forwarded fraudulently, and equifax still lists that as one of my addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: MoneyLion Inc.
State: PA

Complaint narrative:
On XX/XX/19 I filed Chapter XXXX Bankruptcy. On XX/XX/19 it was XXXX. Included in this bankruptcy was a small dollar loan from MoneyLion. Since the discharge they have continued to willfully post incorrect information on my credit report. I contacted them and received a call back from a supervisor who took all of my bankruptcy information and assured me it would be fixed. However, it was not. The account was updated with the status showing as " paid-less than full/settlement '' and still shows a balance. Per federal bankruptcy laws this account should show as closed, XXXX balance, and as XXXX in Chapter XXXX. 

This is the 3rd time I've had to ask them to correct information. They have the correct information, they just continue to post false information purposefully. 

I've exhausted every avenue with them to get them to post the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX has sent an {$11.00} " debt '' to collections after I already called them to indicate that I do not have any kind of XXXX   account and that any charges were a result of fraud, credit card theft, or identity theft. I have a voicemail from their fraud department indicating that they were handling it and would remove the " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal credit advertised 24 equal monthly payment plans with 0 % interest on XXXX  purchases. I purchased a mobile device from an XXXX  seller named XXXX on the XXXX ofXX/XX/2019 for the amount of {$870.00}. Thus, my monthly payment should be XXXX = XXXX and my current balance should be XXXX, +/- 1 month. 
Since XX/XX/2019, i have been paying more than my minimum payment in order to pay off my expiring promotional offers. However, instead of applying the addtional payment amount towards promotional offers that are due to expire first, paypal has applied the additional amounts to balances that were advertised as 24 equal monthly payments. 
Attached are 2 screenshots ; the first with upcoming expiring offers and the second with the above described transaction.

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