vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to Western Union ( XXXX XXXX   uses Western Union as a third party for online payments ). The amount was never applied to my XXXX XXXX Account # XXXX. I called Western Union and explained that on my phone I could not get a snap shot to get the confirmation number they explained to me that we cant continue without it. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX ( bill pay ), that payment was applied to my XXXX XXXX account. Made contact with XXXX and including the attorney company that sent them a letter, to no avail the responsible party is Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made several attempts to dispute with Experian a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX balance.

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 2019-08-10 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:
I sent letters to Transunion to challenge errors or not mine accounts multiples times with Sign and return receipts ( see attachments ) and multiple times they claim to have verified without sending me actually contracts with my signature, or anything. I even sent letter to XXXX XXXX XXXX ( OR XXXX XXXX XXXX XXXXXXXX XXXX ) asking to validate or proof these account to be mine. and they failed to even respond multiple times. so have can TRANSUNION report these account to be mines? 
I'VE SENT LETTER ON THE FOLLOWING DATES : 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX I WANT THE FOLLOWING DELETED FROM MY CREDIT REPORT : 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 2019-08-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
After thoroughly looking over a copy of my credit report by Equifax. I noticed that there was a few inaccurate addresses that they are reporting on my credit report. I faxed and mailed to them a letter with my concern with the inaccurate addresses and instead of them removing them they send me a letter stating i needed to provide proof of my identity in which I did that as well and then they send me the next letter stating they were unable to read what I send them. This is causing severe damage to my credit report by them not reporting accurate updated information on my credit report. In this complaint I am attaching another copy of my letter with the inaccurate addresses that needs to be removed which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made several attempts to dispute with XXXX a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: MO

Complaint narrative:
The following account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) 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 2019-08-10 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 account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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 account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) 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 2019-08-10 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: KY

Complaint narrative:
My identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}

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 2019-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
I was illegally evicted from an apartment complex in 2013 and am still appealing the original sham court 's rubber stamp decision for the plaintiffs for constitutional, other statutory and civil procedural errors. The case is now pending in the New Mexico Supreme Court, Case No. XXXX. I believe that is enough to have the debt removed from my credit bureau reports. However, my sole income was and remains SSDI, which is exempt from collection. So the CRA is breaking two laws. My friend, former roommate and co-appellant in the pending NMSC case, XXXX XXXX, is DECEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: KY

Complaint narrative:
My identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: KY

Complaint narrative:
My identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}

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 2019-08-10 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Transworld Systems Inc. is trying to collect a debt for an unknown, unverified parking violation for a car that I havent driven in almost two years and that I sold over six months ago. I never received any citation from the original creditor ( XXXX Municipal Court ) while the car was in my possession, nor is the debt on my credit report. TSI has sent me two collection letters. I disputed the first letter in writing and sent it via certified mail on XX/XX/2019. They ignored my dispute and sent another collection letter with interest added. 

The first letter is dated XX/XX/2019 and states a balance of {$55.00}. The second letter is dated XX/XX/2019 and states a balance of {$71.00}. 

They will not verify the validity of the debt, yet will keep sending attempts to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX  and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I've filed numerous disputes with Equifax requesting that this information be deleted, due to it being a closed account from the original creditor due to the FCRA Act the credit reporting agency has approximately 45 business days to rectify this information and to date this information is still showing as opened with a collection agency by the name of XXXX XXXX XXXX however in speaking with the credit bureau Equifax they can not provide me with verifiable information that this account is mine or that the creditor collection agency has provided them with verifiable information that I am indeed the one whom has an open account with them! 
Please remove this negative information from my credit report it's causing me dire hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX  XXXX and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.

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 2019-08-10 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've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX   and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied to get pre-approved for a home loan, and on XX/XX/XXXX I was told that the lender was unable to get my credit score from Equifax ( XXXX and XXXX had my score available with no issues ). I called them and emailed them and was eventually told to fax them documents with my information which after some difficulty with their fax system I faxed them the requested documents along with a cover letter on XX/XX/XXXX. I emailed and called them later when I didn't hear from them and they told me to contact my credit card company. I contacted my credit card company and asked them to look into it and I found out about a month later that Equifax needed some documents from me. So I called Equifax again and faxed my documents again with a new cover letter on XX/XX/XXXX. I called them repeatedly to see if they had received my fax but as of today, XX/XX/XXXX, nothing has changed even though they said it would take 5 to 7 days. Their only suggestion was to wait 30 days for a response that I really don't believe will ever arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I received a Collection Notice from a different collection company regarding XXXX XXXX XXXX XXXX, account # XXXX in the amount of {$220.00}, reference # XXXX. I disputed the notice and the collection was removed from my account. 

The collection company has transferred the collection account to ERC and now I have a new letter stating I owe them for XXXX XXXX XXXX collection. 

I do not owe anyting ; I have never done business with XXXX XXXX. I wish to have this problem corrected and stop receiving threatening letters from. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
It appears that the corporate greed Wells Fargo simply has no boundaries. I have not been able to get caught up in my checkings account due to the horrible amount of overdraft and refund fees I keep getting. I am trying to save money since I am about to become a dad. I just don't know what to do. I called the bank multiple times and they refuse to provide any help! I have 8 overdraft fees in the total of {$280.00} in the last 2 months. But throughout my account history probably more than {$600.00}. I need the money more than ever. The banker I spoke with was very condescending about my financial situation. I think they don't see us as human beings anymore.

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 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: WA

Complaint narrative:
The collection agency is collecting for a non debt. I cancelled that company and they provided no services for the money they want. The so called prescription coverage was cancelled when I had a XXXX copay on a prescription that cost me without insurance XXXX. Not only are they thieves so is the collection agency that attempts to collect a false debt. If this goes on my credit report I will sue through the Attorney Generals office of the state of Washington. Collection companies should be required to make sure they are collecting a valid debt otherwise things like this happen. I am not your normal passive take it in the XXXX person I will pursue this to the end and beyond. I am so disgusted with rip off health care I am devoting a part of my life to make companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I closed my Citizens Bank account on XX/XX/2019. However, I just received notice from Citizens bank that they reopened my account ( without my authorization ), and processed two unauthorized debits ( {$16.00} to XXXX and {$14.00} to XXXX XXXX ) plus charged me an overdraft fee of {$35.00} for each. The total they are charging me on my closed account is {$130.00}! 
Note : The issue of the automated {$16.00} per month to XXXX, arranged by my wife who passed away in early XXXX, 2019, has already been reported to the CFPB separately. As for the {$14.00} to XXXX XXXX, my plan was cancelled as of XX/XX/2019, due to my moving out of state to CO. So, no debit should have been authorized, Besides, I no longer have an account with Citizens Bank! 
Please see my earlier complaint for more information so you can understand the history behind this and all the attempts I have made the past fews months to get issues with Citizens Bank resolved. These people have been impossible to deal with, no regard for me as a customer, let alone a Veteran and retired senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had issues over the last 3 months putting my Equifax credit report on freeze. I have easily been able to apply to freeze accounts with the other two main bureaus with ease, but my experience with Equifax has been miserable. I have tried multiple times to get a real person on the phone, but I am never able to. Through the website, they said they would mail me a pin code weeks ago, that I would need to verify my info, and I never received this in the mail. By attempting to freeze my credit, I am afraid I am now more at risk by having personal mailers not arrive to my apartment. Also, the main reason I am applying for a freeze in the first place is because my info was released in the Equifax data breach. You would figure they would help resolve the massive issues they helped cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Spam junk mail - I have opted out

Company response to consumer: Closed with explanation