vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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: MO

Complaint narrative:
The following accounts are not mines, I been a victim of the Equifax breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) Missouri Div Child Support {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: MO

Complaint narrative:
The following accounts are not mines, I been a victim of the XXXX  breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}

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 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Account was closed by USAA for no reason and was not even giving a cause for being closed. Had been approved for a XXXX XXXX with them and had opened a savings account and a Mutal fund and all were shut down without cause. The only reason I was given was there was so flaws with my application and something did not match up which I provided them with all the requested information. I plan on filing a lawsuit with USAA if they do not resolve my concerns this is not how you treat a customer. You cant accuse or close someone account without giving them a reason and the reason I was giving had nothing to do with me, because I selected a car dealership which I did not know had issues with usaa they should not have closed my account. I'm so upset about this and I will file a lawsuit because this is not right nor is it fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo bank member stole funds from my international bank account using wire fraud and email phishing. The fraudster hacked into my email and impersonated to be someone who I was about to wire funds to as an investment. As a result I wired the funds ( {$32000.00} ) into the fraudster 's Wells Fargo account ( instead of the investment account I wanted to transfer the funds to ). 

I've filed an online FBI wire fraud report, as well as started a formal wire recall request with my originating bank ( XXXX XXXX ) but after 7 days of Wells Fargo failing to answer to my bank 's formal recall request, XXXX informed me that the recall isn't going to work. So now I'm stuck with the funds stolen and sitting in a Wells Fargo account and Wells Fargo not answering any of my requests to return the stolen funds. 

I've been trying to contact Wells Fargo for over 10 days now over email, phone, twitter and more with no success.

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 2019-08-09 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: GA

Complaint narrative:
I am faithfully paying the account with this company..Incorrect late payments on XX/XX/XXXXand XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company 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 2019-08-09 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: GA

Complaint narrative:
I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company 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 2019-08-09 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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My Loan was transferred from XXXX to Mr. Cooper on XX/XX/2019, the loan No. is XXXX, I received a letter from Mr. Cooper that there will be no additional charges and same loan terms and conditions will be applied on this loan and I will get 60 days of grace period to make the payment without any penalties, so why is there a {$15.00} fee addition to my total payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. 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 2019-08-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. 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 2019-08-09 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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-08-09 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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 10 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 2019-08-09 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 am filing this complaint to stop reporting this erroneous item. 
XXXX XXXX I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, This is a complaint about fraud alert on my credit, this I see Unautorized hard inquiry made with and I didn't apply for any kind of credit Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name JPMCB CARD SERVICES Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX, XXXX, DE, XXXX so right away i called XXXX  and placed a fraud alert on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I recently called Capital One to find out if any of my three accounts were part of the security breach. I have had accounts with them for 19 years. One with a {$6500.00} credit line, another with a $ XXXX credit line, and another with a $ XXXX credit line. 

The rep I spoke to said he couldn't tell me if my accounts were breached although they claim they monitor accounts 24/7. He stated they would notify me by mail which isn't acceptable. This is something a customer needs to know immediately if they actually have access to this information as stated, monitoring

 24/7. To date, I have still not received a notification stating whether any of my accounts were breached.

Because of their lack of cooperation, I told the representative that I wanted to close my three accounts. He repeatedly tried to talk me out of closing them, stating they do everything to protect customer accounts and customer privacy. The whole conversation sounded scripted and it is doubtful that he even gave me his real name ; he provided initials. I would argue that a XXXX XXXX account data breach is a complete failure on Capital One 's account, and I no longer feel safe having open and active Capital One lines of credit. Not only was my account information possibly compromised, but also my linked checking account information. Because of Capital One 's ineptitude, I have needed to place additional security measures on my banking account and log on repeatedly during the day to make sure money has not been stolen out of our account. We have a significant balance in our checking and our linked savings accounts, so we take this matter quite seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
While I was in college I had to take vaccination for XXXX school and used my insurance to cover the charge of it. At the time I made sure that the charge which was around XXXX {$100.00} to be send out to the insurance company. Vaccination and doctors visit were included in my insurance without deductions or payments and that was a reason why I received the vaccination. The health care provider validated my insurance card before providing any services. Thats how I received service at the first place. How can anyone buy a drink with paying for it? 

After seeing this derogatory {$500.00} in my credit score, I tried to call the collection agency as well as the health agencys phone number but they couldnt find me in their system. Why is it apparently for anyone to claim and affect my credit score with out having a reasonable cause. I even reported it as a fraud to the credit score companies and Still no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Was quoted my bill for XX/XX/XXXXcar insurance at XXXX dollars after making changes and purchasing a vehicle in XX/XX/XXXXthis year by agent on phone and have call recording of this incident. When I went to pay it on the due date in XX/XX/XXXXthey said I owed XXXX dollars, I said that's not what I was told on the phone. After arguing I just decided to shop for more insurance and found comparable insurance to initial quote and thought that was it, nope they said I owed XXXX   dollars to XX/XX/XXXX, something I never agreed to, especially at that price. After it went on to collection 's I contacted my state insurance commission and file a complaint. I couldn't never send the audio recording as the website refused to allow the media file to go through. Once it was closed by them in late XX/XX/XXXX, early XX/XX/XXXX, not 2 or 3 days had the collection show up on my credit file. Back to arguing with Caine and Warner, XXXX, and my insurance commissioners office. My state has been no help, seems like apparently they can get away with this, I'd wonder how fast us people would be delt with by all forms of agencies if this was the other way around. I was a progressive customer since 2016, had zero claims, and now I'm being attacked personally for there mistake, not to mention I paid about XXXX on XX/XX/XXXX, which didn't cover me out to XX/XX/XXXX my due date apparently. My commissioners office said they covered you in XX/XX/XXXXso it's legitimate, I just go back to XXXX dollars growing to a whopping XXXX? How again is any of this my fault? Had the quoted amount been accurate I probably wouldn't have purchased the vehicle I was about to upgrade to in the first place. Sure hope this helps get this resolved, can't believe a company who made nothing but profit off me over 2 years would go this far over such a small petty amount. If this and the XXXX don't get it resolved my only option is small claims court I guess. Really ridiculous I might have to go that route over such a small amount. It's not about the XXXX dollars ( filing a suit will cost double that ), it's more about the principle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... US DEPARTMENT OF EDU, CONTRACT CALLERS I ( ORIG CREDITOR : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX 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 2019-08-09 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: HI

Complaint narrative:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation