vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 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: FL

Complaint narrative:
Multiple attempts to repair disputed items reflects repaired then shows up again- example incorrect name in personal data- Daughters information- also no score provided even though they claim free score available! " FACT : A credit score isn't included on your credit report Check your XXXX Score credit score. 
Choose an option below. 
Your credit scores should be free. And now they are. 
Check your scores anytime, anywhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: NE

Complaint narrative:
XXXX keeps submitting false information about our cell phone account from 2 years ago and equifax will not remove off my credit report. XXXX illegally transferred more than {$6000.00} in 2 transactions on our cell phone account. Now they keep submitting charges for early termination fees of service and devices that were returned to XXXX at their request. The XXXX XXXX XXXX and the local news station can validate that XXXX did this. They have the proof. How do I stop XXXX from continuing to submit charges that we do Not owe? Why am I not being protected from this illegally credit reporting. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have spent the last several months trying to deal with a fraudulent account listed on my Equifax report and the lender is XXXX/XXXX XXXX. I have sent in multiple disputes with detailed documentation as supporting evidence that the account does not belong to me and Equifax has not removed the account and XXXX keeps verifying the account that I have no knowledge or consent of. If I have sent the required information to Equifax, they are required to remove it. It has severely hindered my financial outlook and all I am asking for is a removal. I have provided everything in the form of documentation and have patiently waited and nothing has changed because XXXX wont remove something that does not belong. I don't understand why I being dealt this situation when I have done nothing wrong. This account should not be associated under my name and social security number and I'm asking for XXXX remove this account and information from my name and social security number and for Equifax to remove the account from my credit report. This has been a prolonged process that shouldn't have taken place. I have spent countless hours and time trying to remedy the effects of this fraudulent account on my credit report and I just politely ask for a quick and seamless removal of the account from my name and social security number and for Equifax to do the right thing and remove the account from my credit report and send me finalized documentation of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I went through my bank statement and found a couple of unauthorized transactions and reported them to my bank. I am living in XXXX and the bank blocked my ATM card. This is the 3rd day that I have not been able to withdraw money to eat. I am starving. My bank will not respond anymore to my emails and I don't have a phone to call them. They keep insisting I call them when I have no means of paying a company here to use the Phone service. 
I suggested they authorize to use of the other new ATM card so long as they can allow me to activate it, but they said no. I can't eat, my rent is past due. Wells Fargo will not let me get access to my money and I am really hurting out here. 
Please someone do something quick!

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 2020-01-01 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase Credit Cards are showing a deliquent account that I never applied for. 

The account is also registered to an address I have never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: FL

Complaint narrative:
Continue to show a paid mortgage of 4 years ago. Even after as paid causing adverse action. YOU continue to show my name as XXXX XXXX XXXX XXXX How XXXX are you? Even after multiple attempts to repair you don't give a XXXX or are totally XXXX  and XXXX. You choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: FL

Complaint narrative:
I have disputed several accounts with Experian as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. Experian account # 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 2020-01-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
For the last 2 years, Experian has been reporting inaccurate and unverifiable information on my credit report. When asked to provide proof of verification, they either reply with verified by company, or even more commonly not respond at all ; which they are notorious for.

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 2020-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: WA

Complaint narrative:
I have received two different voicemails from this company implying that they will be making a future recommendation to my unresolved business matter with them. Their voicemails sound threatening. First voicemail was XX/XX/2019 @ XXXX XXXX  stating Xxxxx xxxxx this is XXXX XXXX with Alliant Capital Management Im calling in regards to your unresolved business matter in my office you wanted to take care of unfortunately this is my final courtesy call I will be making in reference number of xxxxxx as of today still no statement on file which at this current point leaves me little choice but to make a decision with the information I do have if you would like the opportunity to change the potential outcome you need to contact my office back at XXXX and I will document that you are aware of the situation then on XX/XX/2019 @ XXXX I received another voicemail from XXXX stating xxxxxx xxxxx this is XXXX XXXX with alliant capital management giving your final courtesy call as I will be making a recommendation to your unresolved business matter in our office serving a transaction you previously authorized. If you would like any input on the outcome on this situation a returned call is required. My number is XXXX. Both of these voicemails sound very threatening on the outcome not sure what she means by a recommendation and final outcome each time she calls but it leaves me with an uneasy feeling. This companys scare tactics need to be reviewed and no voicemail needs to be left like this especially when my name is not on the voicemail box. I also never received anything in writing from this company just these voicemails. Also they are spoofing numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NC

Complaint narrative:
The balance on my Direct Express card on which I get my SSA and SSI keeps fluctuating. On XX/XX/XXXX It was {$9.00} more than the day before, although no  transactions were made. 

On XX/XX/XXXX, it showed a deposit of {$170.00}, my SSI payment, but simple math proved only {$85.00} was applied to the balance. 

Yet again, today, XX/XX/XXXX, my balance is {$52.00} higher than it was the day before. 

I don't appreciate the incompetence and lackadaisical attitude of all involved who know of this ongoing issue. I don't appreciate having to worry about my money every waking hour, especially with my XXXX. I was ripped off in XXXX of last year and I was told I was responsible for charges made several states and hundreds of miles away from me. The customer service reps are rude and do not care. And most of all, I HAVE CALLED SEVERAL TIMES AND CAN NOT GET A LIVE HUMAN BEING THERE TO BE RUDE TO ME AND PROVE THEY DO NOT CARE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-01 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: FL

Complaint narrative:
I have disputed several accounts with XXXX  as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. XXXX  account # 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 2020-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I dont remember the date but this debt fell off my credit report after 7 years not even 6 months later it reappears on one of the 3 reports in XX/XX/2017 never received any calls or notices in the mail. The creditor in question is convergent outsourcing inc . I dont see how it is legal for them to reopen a collections with out contacting the person who had the debt.

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 2020-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I emailed the National Credit Systems at the email given on the website XXXX on XX/XX/XXXX and they have not responded. 

I am emailing you about this complaint XX/XX/XXXX I'm assuming they are collecting a debt from an apartment complex I use to live at and they did not notify me they were trying to charge me for the cleaning services. 

I went to the website XXXX XXXX XXXX And I put in the amount owed ( {$600.00} ) and my social security number and nothing showed up. Clearly on my XXXX  Credit Report it shows a balance owed of {$600.00} from " XXXX XXXX XXXX  '' which is the company that hired National Credit services to charge me for the debt. 

On the website link XXXX XXXX XXXX It clearly states on the website " To obtain account information and/or make an online payment, you must login by entering any two of the three fields below. '' But that is a lie. 

I can't call them during business hours because I'm always working and I can't have my cell phone at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Hello, I believe that I was impacted by the allegations that Navient has misapplied my loan payments. I recently refinanced my loan, and in the process of reviewing the amount that I had already paid to Navient, I noticed that every payment I made in XXXX was applied to interest ONLY, not to principal at all. One of the main reasons that I refinanced is that I felt I could never make headway on my student loan balance, and upon seeing that my payments were never going to principal, I see why I could not make headway. The record is very strange, in XXXX I paid very little to interest, and then suddenly in XXXX, ALL of my payments began to be changed to being applied to interest ONLY, despite the fact that I was on an income-based plan both years. I found Navient 's website difficult to use, felt that they made their website difficult to navigate and obtain clear information about my payments on purpose, and felt that they are difficult to communicate with. Now I see that these problems advantaged them- I was not able to easily see that they were applying all of my payments to interest only. I have contacted Navient to ask them to change the application of these payments, but am unsure if they will be able to do so now that the payments are over 2 years old and the loan has been refinanced. This problem resulted in my paying over {$24000.00} in INTEREST ONLY to my student loans and {$0.00} to principal for the whole year of XXXX. I am furious. I am struggling and scrimping to pay off my student loans. I have been pouring every dollar into my loans and I am furious to find that Navient has been taking advantage of my increased ability to pay. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX Paypal sent me a email that I would no longer be able to use my account and I wouldn't have access to funds for six months. I've been a Paypal Account holder for well over three years with no issues before. I have a balance on my account of {$630.00} which they are denying me access to for six months. They haven't stated why, and all communication to them has gone unanswered or not possible to get any reasons from support over the phone about issue. I've attached my last months statement and can include many more months of statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: NJ

Complaint narrative:
RE : Account XXXX XXXX XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus Transunion and XXXX, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: NJ

Complaint narrative:
RE : Account XXXX XXXX  XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus XXXX  and Experian, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: MD

Complaint narrative:
My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian and XXXX  have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX  removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and Experian and XXXX have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both Experian and XXXX  unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX XXXX whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from XXXX  and 6 points from Experian.

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 2020-01-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2019 To Whom It May Concern : On a recent trip to XXXX XXXX XXXX XXXX, I visited the XXXX  store at the XXXX XXXX mall on XX/XX/2019. During this visit I was given a treatment to demonstrate their product on my face. I was amazed at the results I saw, that I purchased the product at a cost of {$300.00} plus {$48.00} tax. 

Prior leaving the store, the salesperson again offered to demonstrate another product called XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine used in the store definitely appeared to remove the wrinkles from my face. Based on these results, I purchased this product at a cost of {$5000.00} plus {$800.00} tax. 

When I arrived back at my hotel and unwrapped the packaging, I noticed that the {$300.00} product was for eyes only. This is not what was demonstrated in the store. After realizing I did not have the product that was demonstrated, I returned to the store to request the correct product. At this point I was told there were no refunds, which apparently also included exchanges, even though the error was on their end. 

Upon returning to the U.S., I made several unsuccessful attempts to contact the corporate office in New York. The product they are selling is a scam and does not work. While I was apparently a victim of their unethical practices and suckered into this purchase, there should be consumer recourse for their business practices and their fake products. 

As a result I am requesting a complete refund and/or the charges removed from my account in the amount of {$340.00} and {$5800.00} respectively. Your consideration in this matter will greatly appreciated. 

Thank you, 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