vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
bank of america steals. i overpaid balance on boa credit card XXXX XXXX XXXX XXXX i need refund from thief bank of america. if i dont hear i will sue boa to get overpayment back. i need overpaymennt now. customer service sucks. this bank sucks.

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 2019-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Acknowledge instrument notarized signed by XXXX, money order but not accepted to be deposited by manager XXXX? business banker XXXX. Account closed in that same day.Failed to sign treasury account form gave me the run around about a format I was supposed to use. Account_Number : XXXX last four social 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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed a monthly charge of {$16.00} on my XXXX  XXXX XXXX credit card statement for Experidan Credit Report dating back to XXXX of 2019. I do not know what this charge is for and assume it is some time of credit monitoring service. I do not want credit monitoring and NEVER signed up for any such service. I ran a credit report around XXXX and think Experian might have unilaterally added this service. 

I called the Experian toll free number on my credit card statement and the automated system had no record of my having any type of account with them. I tried many different options to speak with a live person but their phone system is a total joke -- it was impossible for me to figure out how to speak with someone.

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 2019-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
They are sending and leaving harassing messages regarding a debt that isn't mine even after a cease and desist was given. They impersonate a lawyer and say they will show up at my place of work and home with legal documents. 
They call my work phone and leave generic harassing messages on the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: OH

Complaint narrative:
I am a victim of fraud identity theft. They are refusing to even let me access anything they have on file. From what I gather there's credit cards, mortgages and car loans taken out with my social security number for a very long time. I've never had a carloan, credit card, mortgage or what ever else they may have on file. Furthermore they told me my legal name isn't mine. Their telling to send documents I never had that aren't mine. Why would I have them? I actually don't feel safe giving them my information beings they just got caught lying by cfpb and they just had a data breach my social security number was involved in it.

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 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I mailed PayPal Credit a letter stating to cease all contact with me for a debt they allege I owe. I have a tracking number as well as sign conformation that they receive the letter. Then today i got a letter form them in the mail. This is in direct violation of the law. 


" Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. ''

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 2019-11-23 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

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 2019-11-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'd like to remove my fraud alert and or security freeze from my credit report, please send me lock pin to my address.

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 2019-11-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I moved to the U.S. in XX/XX/XXXX with an XXXX visa. Recently, I tried to access my annual credit report. I have access to XXXX  and XXXX  credit reports. Equifax requested to send proof of my identity. After sending all necessary documents and calls to Equifax support, they finally told me they do not have any record associated with my SSN, so I should start building up my credit. I am already doing that. I have 3 credit cards and an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'd like to remove my fraud alert and or security freeze from my credit report, please send me lock pin to my address.

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 2019-11-23 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'd like to remove my fraud alert and or security freeze from my credit report, please send me lock pin to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted Transunion I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXXXXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?

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 2019-11-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding Synchrony Bank. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC
State: TX

Complaint narrative:
This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: ID Analytics, Inc.
State: NY

Complaint narrative:
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
BECU opened a savings account in my name WITHOUT MY PERMISSION. I went in for a car loan at XXXX XXXX  XXXX and without telling me they had me sign paperwork that gave them the authority to open a savings account in my name. All I knew was that I was filling out paperwork to get a vehicle loan. I would never have authorized a savings account as I NEVER INTEND TO USE BECU for my saving. 

I called BECU when I realized that they had opened an account in my name without my knowledge and they refused to close it - they said I had to sign more paperwork. I WILL NOT SIGN ANYTHING FOR AN ACCOUNT I NEVER AUTHORIZED IN THE FIRST PLACE. 

This rings very similar to the XXXX XXXX scandal. Highly recommend BECU be investigated for this type of predatory banking practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Ms. XXXX XXXX, Director Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named XXXX ), its crony bank ( Synchrony ), and the retailer ( Gap   which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from Gap linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from Synchrony ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as XXXX reports applicant is deceased. 
Well. When I received the latter I called XXXX on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called Synchrony where I was told, repeatedly, it was not their problem, I should call XXXX. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX Gap/Banana Republic to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the Synchrony credit card company. Ive actually been to the real ( rudely-called ) Banana Republic where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.

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 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We have a new mortgage with Wells Fargo. Payments started XX/XX/2019. The first payment could only be done as a one-time payment, which I found odd, as every other bank with which I've had a mortgage - big and small - allowed for autopay to be arranged online. There was no option to arrange for autopay on the website at all. I managed to remember to make another one-time payment for XXXX, but I was late to realize I did not make an XX/XX/2019 payment until just today, XX/XX/2019. I did not receive any email or other alert before the payment was due or after it was in " overdue '' status. I made that payment and spoke with someone by telephone to explain the situation, and I was both assured I would have no credit hit or late fee due to this being a new loan, and the person was able to put in a work order for autopay going forward, but I still wanted to lodge a complaint that they do not make this option available in a consumer-friendly, systematic way. I was very surprised to see that I have to " opt in '' for alerts of incoming payments and especially overdue payments. The absence of online autopay enrollment available at the time of online account setup and the need to opt in for basic alerts - which is not typical in my experience having held mortgages with multiple banks of varying size over the last 10 years - makes the cynic in me think this is perhaps by design as it would be a nice way to collect late fees in addition to interest.

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 2019-11-23 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: LEXISNEXIS
State: NY

Complaint narrative:
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: Innovis
State: NY

Complaint narrative:
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.

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