vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 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: AL

Complaint narrative:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I  move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. 

Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately. 


Thanks, 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 2019-05-21 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 — Overcharged for something you did purchase with the card
Company: FIRST HAWAIIAN, INC.
State: GU

Complaint narrative:
I was overcharged XXXX dollars on a purchase at XXXX XXXX XXXX. Total amount is XXXX. My actual purchase was XXXX. I purchased a drink, snack, and a plastic bowl. As i explained to first hawaiian bank i misplaced the receipt. This happed XX/XX/2019 I contacted my credit card company and the merchant. Credit card company says they can not assist me without a receipt. The card company fhb can be reached at XXXX. The sent me a dispute resolution letter saying i have to pay for the charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My bank account has been feed when my bank account is in the positive. Say I have XXXX and something comes in for XXXX and clears then the next day something will come in for XXXX they will charge me a fee for both, even though one debt from My account had the funds available. They hold all my deposits and excessive length of time. Somethings 14 days - totally ignoring Reg CC. This is not just on one account. I currently have had a hold on another account for 10 days and the check was cleared and paid to the 8 days ago. I am sick of the power abuse they use over my accounts when there is clearly money there and they have made it at time so my family has had to go with out food and gas to go to work due to their actions. I have started to move money to another bank but I still have some items that need to be paid from this account. I would like someone to audit my account XXXX and reimburse some of my fees that were taken from my account that should not have been. In addition. Who ever is the employee doing this needs to be fired. You cant just steal peoples money. The last 6 months I have had someone use all my debt cards from this bank- I have gotten to the point I understand that the fraud has to be internal within Wells Fargo XXXX I am just tired of. I can get a card and with a week there will be fraud.

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 2019-05-21 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:
Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect  consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/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 2019-05-21 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:
Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and  they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/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 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
State licensing authority did a credit check on me and reported to me a company named XXXX and XXXX XXXX alleges I owe a debt in the amount of {$550.00}. I called both companies. Neither one knew who I was. Neither company had my name or social security number in their database. I am unable to have this stop being reported. I asked them to remove no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OH

Complaint narrative:
I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX  and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: LJ Ross Associates
State: IL

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX  and told them that a fraudulent utility account was showing up on my credit report. XXXX XXXX XXXX informed me that I needed to make a police report, and complete an affidavit in order for them to investigate the matter further. On XX/XX/2019 I contacted XXXX XXXX XXXX again in regards to a suspicious utility account that I found on my credit report that was not mine and again explained to XXXX   XXXX that I had an affidavit, and police report reporting the identity fraud for the fraudulent utility account and was advised by XXXX XXXX XXXX to fax it to their Collection Dept which I did. XXXX XXXX XXXX informed me that they were in receipt of the documents and would need 90 days in order to investigate the matter and that they could not delete the account from my credit report because the account had been sold to a collection agency- LJ Ross . On XX/XX/XXXX I also contacted LJ Ross and told them that I had been a victim of identity theft, and that I had an affidavit and police report corroborating that, and asked them to remove the account from my credit report and to stop reporting it to the credit bureaus. LJ Ross advised me that they could do neither until XXXX XXXX XXXX told them that their investigation was complete. It has been past 90 days and this account is still showing up on my credit report. It is the responsibility of the furnisher to report accurate and correct information per the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Collections from Phoenix Financial Services inaccurately reporting on my credit file. I have contacted the credit bureaus advising I am a victim of Identity Theft. This company has constantly called and mailed letters for a debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a TD Bank Preferred Savings account on XX/XX/XXXX with a promotion I received in email. The promotion mentioned at several locations that the Savings account would have 2.50 % APY guaranteed for 12 months with the following conditions : " 1. Be a current TD Bank Customer who received the TD Preferred Savings introductory rate email 2. Open a new TD Preferred Savings account online between XX/XX/XXXX and XX/XX/XXXX 3. Deposit and maintain a minimum of {$20000.00} but no more than {$990000.00} in new deposits in your TD Preferred Savings account. New deposits must be funds not currently held within a TD Bank retail deposit account. 
4. Link an eligible account. '' It also mentioned " Offer is limited to one TD Preferred Savings account per Customer who receives the Introductory APY email. The Introductory rate is valid for a limited time, guaranteed for 12 months from account opening date ( Note 2 ), and applies only if the daily balance of at least {$20000.00} but no more than {$990000.00} is maintained. " and Note 2 says " 2.  Promotional rate is guaranteed not to decrease during the first 12 months from account opening. Rates may increase during this time. '' I met all the conditions and earned the 2.50 % APY from XXXX XXXX to XXXX. XXXX. From XXXX. XXXX, my interest rate dropped to 0.5 % without any notice. I discovered it near the end of XXXX. and contact customer service many times trying to resolve it, but got many different answers and theories. Someone said it was an error and they will adjust it for me, but it never got adjusted. Someone offered a theory saying that because I had only 2 transactions in XXXX in my checking account, I was not qualified with the interest rate, but my interest rate will come back to 2.50 % APY in XXXX since I had 3 or more transactions in the checking account in XXXX. This theory is contradictory to the many rate guarantees stated in the promotion. Even the system is actually working according to this theory, the promotion is very deceptive. Moreover, in XXXX I found my interest rate did not come back to 2.50 % APY, and customer service offered another theory that since I did not have 3 or more transaction in XXXX, the 2.50 % APY is gone forever. This is again contradictory to their previous theory as well as the promotional offer. 

Attached is the email promotion I received and my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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:
Equifax will NOT unlock my credit. They keep telling me that there is a glitch that they are trying to fix. I have a potential new employer that is hiring me, however they need to pull credit for a financial fitness check. They can't do it because Equifax will not unlock my credit. I tried to unlock it myself using the Equifax lock & alert app. However it is not working. I have called Equifax several times in the course of four days and hours on the phone. Equifax REFUSES to unlock my credit. They keep telling me that they can't do it. I have every right to my credit report. My spouse and I are trying to purchase a new home as well, however my lender needs access to my credit report. Equifax still refuses to unlock my report. My only other option is to take LEGAL action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened my bank e-mail account and saw and this is a recent update because the amount went down on the cash account? Which wells Fargo Mortgage department could not answer me what a cash account is. I do not like what is going on is this illegal are they playing with my mind and account because if you put it there you would be able to answer me about that cash account that was the Presidents office of Wells Fargo. Second I received the information in the pages I sent you. WHAT IS GOING ON.I have waited since XXXX of last year for a answer. IM fed up answer me make a decision its not that hard I found it myself and I don't have a degree

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 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
i filled this out it mustv erased. wow so my mortgage mod app was denied. was innappriate, was just denied this month. 
it took almost a 4 month application process, and they still never asked me to send verif of the XXXX down payment amount they had already approved. 
they denied in writing for not enough down payment but they told me the amount was sufficient, but they called the bank before they made decision of denial, to see if money was therw. i told them that i keep money at home, i dont use bank. 
they say a whole lot diff than they write. 
also, my past and recent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  approx, tRV ying to fix or get the correct therapists, prescribers, primary, and now i need a revision XXXX XXXX, i have a XXXX XXXX, and XXXX/XXXX, i finally have fixed 85 percent of tge issues i lived with for 38 yrs. 
i now feel like ia reas l person, the drs and prescribers have saved my life, after so many yrs of failed Doctoring. repeatedly. 
Real Hardship ... 
also, added i have a XXXX XXXX. and had to stop working because of all these problems compulated. but i finally have enough income, plenty, and feel normal which il never miss a payment, esp now w even more fixed income, and a straight, and focused mind, and they deny my app for modification. does not make sense please call me, XXXX XXXX XXXX, thet y already hsd approved foreclosure, stopped and now resumes process becasuse of the denied app for modif. so they are past many points and close to fi foreclosure sale. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: FL

Complaint narrative:
In XX/XX/XXXX I checked my credit score with Experian.It was XXXX. It should have been much higher.I found 1 problem on my account involving XXXX XXXX. In XXXX, I leased a XXXX car and the payments went to XXXX.During the 3 year lease all 36 payments were made on time.The car was a " lemon '' and  had 4 recalls during the 3 year lease including the XXXX '' death ignition which killed  at least 13 people across the U.S. and had to be replaced by the dealer. At the end of the lease I noticed spider cracks on both headlights and consulted a local automotive expert who opined that the headlight covers were defectively manufactured and prescribed some acrylic to prevent the small cracks from expanding. At the end of the lease, the car was returned to the dealer with less than 7000 miles. It had not been damaged or even nicked .There was no complaint by the dealer about the headlights. Six months later, XXXX claimed that I owed {$890.00} for the headlight covers. I wrote them a two page letter explaining the above details and they sent a letter back saying that they had written the {$890.00} off and the matter was closed. When I learned that Experian was treating this as an open account that hadn't paid since XXXX, I appealed.They responded by lowering my score to XXXX and extending the expiration date

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 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) is handling my escrow and are suppose to be paying the taxes and insurance from my escrow. XXXX county tax commission has filed a FI FA against me because SPS has refused to pay the taxes like they are supposed to. I have enclosed a copy of the letter from XXXX County Tax Commissioner about this matter.

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