vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: TN

Complaint narrative:
This is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
A recent credit inquiry is reporting a medical collection account from state collection services. I have been unable to verify this account and believe the balance should have already been addressed by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased XXXX in XXXX in XXXX TN XXXX irginally {$320.00} in XX/XX/XXXX XXXX went up to roughly {$550.00} I was making pmts and tgen got to where the high pmts along with insurance was too high my vehicle was repossed XX/XX/XXXX wells fargo would not work with me on the large pmts. I joined military XX/XX/XXXX bc of repossesion i was denied security clearance and $ XXXX sign on bonus. XXXX i had to file bankruptcy bc repossession was on credit but was still for full amount even tho the vehicle was sold. I filed bankruptcy bc i needed clearance to get new XXXX in XXXX to XXXX XXXX and i was denied clearance again went to see XXXX and was told bc of bankruptcy. I lost another sign on bonus of $ XXXX. In XXXX i tried to renew my XXXX contract bc my wife had become XXXX and we had a XXXX year old XXXX child and needed the insurance and job. I was denied contract renewal bc i could not rank to XXXX bc of the banruptcy and had to get out in XX/XX/XXXX. Forced out i have a family XXXX kids a XXXX wife and XXXX child i was now jobless and no check for 3 months. All of this bc Wells Fargo fraudulently placed CPI on my vehicle when i had full coverage pmts got too high out of nowhere and no willingness for help from Wells Fargo. Recieved letter beginning XXXX regarding class action lawsuit regarding my Tennessee wells Fargo loan. Contacted number heard nothing bk for months then requested insurance I called multiple companies wasnt sure who i had coverage with it was almost 10 years ago insurance companies saying they cant go bk that far. I called Dept of Safety in Tennessee and they can only view current ins. I called the office of Wells Fargo president and was told i was denied bc insurance i thought i may had was not valid. I was told till i can provide it i cant reopen it and that was on XX/XX/XXXX with case manager XXXX. Prior to being denied and filing complaint with office of wells fargo president ive spoke to 2 different agents who said proof of insurance was on file. I was then transferred to office of wells fargo president spoke to XXXX XX/XX/XXXX or XX/XX/XXXX she provided number and claim to me Phone XXXX Ext XXXX XXXX # XXXX. 
Account was given to case mgr XXXX he called next day that was Friday XX/XX/XXXX missed his call i called him today XX/XX/XXXX and said closing case. He was no help and rude. This has ruined my credit it ruined my military career, bonuses and has caused me to have to pay higher interest on loans. This is not right what they have done to me my family and to others. Please i need help

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 2020-09-29 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:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX # XXXX, XXXX   XXXX # XXXX, XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

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 2020-09-29 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 — Investigation took more than 30 days
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TN

Complaint narrative:
This is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: OH

Complaint narrative:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: OH

Complaint narrative:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

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 2020-09-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We did not authorize payments to the merchant. We showed chase the police report and FBI investigation to prove the merchant is committing fraud. We also reported to the attorney general in New York. 

The amounts range up to {$49000.00} around XXXX XXXX to XX/XX/2020. 

Chase refused our dispute and appeal. Please help. 

Chase provided NO proof as to why they are not sending back the credit, I've been stuck with this case since XXXX when I originally made the claim. Today I learned they denied my claim. This has been extremely frustrating because of a large balance on my business card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. 

I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: OH

Complaint narrative:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KS

Complaint narrative:
Husband XXXX XXXX probably XXXX XXXX XXXX XXXX accounts I've only had XXXX XXXX XXXX XXXX card and XXXX last purchase I made was {$72.00} I think of XXXX anything after that's not me or on any other cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
US bank ATM ate my money during the deposit. 

1. XX/XX/2020 around XXXX XXXX  I tried to deposit cash into the ATM. During the deposit, an error occurred. The ATM swallowed my money, but the transaction was not reflected in my account. 
The amount of money I lost was {$8800.00} in total ( the first attempt was {$2700.00}, and then the ATM asked me " Deposit more? '' so I continued the second attempt, which was {$6100.00} ). That was all {$100.00} bills. Worst is, I lost {$8800.00} cash but I just only got one receipt regarding the first attempt. 

2. I reported the error to the US bank by phone on the same day ( XX/XX/2020 ). 

3. US bank provided me {$5300.00} as a provisional credit om XX/XX/2020, but they withdraw {$2600.00} on XX/XX/2020. 

4. Around XX/XX/2020. I got a letter from US bank, saying they only admit {$2700.00} as final. I can not accept the result because there was too large gap between what I lost and their final decision. 

5. On XX/XX/2020. I sent a USPS certified mail to tell US bank what happend exactly, and what's going on until now. However, US bank did not reply to my postal letter. Because I'm afraid that there was miscommunication due to the language barrier. Actually, I made several phone calls to US bank to see if what's going on with my case. I asked for getting help from a XXXX  interpreter, but the representative just ignored it. This same ignorance happened twice. 

6. On XX/XX/2020, while talking to US bank via phone, I realized there was some miscommunication on my initial claim due to the language problem. So, we corrected the amount of money that I lost at ATM, {$8800.00}, with help from a XXXX-English interpreter that US bank provided. At that time, the representative of US bank said he fixed the problem resulted from miscommunication. And he said he re-filed the claim as {$8800.00}. And he said I will receive a letter and provisional credit within 10 days. 

7. XX/XX/2020. Until now, I haven't got any reply like letters, phone calls, or credit. I made a phone call to US bank, I asked why you did not provide any information about my case. However, they just said it is still under investigation. It already past two months. 

8. It is big money to me, but they do not show any effort to solve it. To preserve the evidence, I ask them to preserve the surveillance camera film on the site until this case is resolved, but the representative said they can not handle it. 

9. I am a weak individual consumer, US bank has all the evidence and authority but they are not cooperative. It is unfair. The only means that I contact to US bank is making a phone call. Whenever I make a phone call, I have to spend about 1 hour waiting in line. And they do not give any proper answers. They are only saying it is still ongoing.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
My unemployment is paid via the US Bank relicard and they ( US Bank ) have frozen my account and informed me ( after a phone call from me ) after finding out while checking out at the grocery that i have been randomly chosen due to " a massive fraud investigation " to have to prove my identity not by showing up in person but rather faxing them a copy of my State ID, Social Security card, and 2019 W2 forms in which i reluctantly did only for them then tell me it would be 10-15 days to review what i sent in. After 10-11 days later i checked my card and it was still frozen, my unemployment check went in but i could not take anything out so i called again to be informed that what i sent in ( exactly what they asked for ) was not sufficient, no reason on why just not sufficient and on top of that i was told by US Bank relicard operator that there is know way for them to find out because it was there " offline '' fraud leasion team and there is no way of contacting them. So i recent the papers a second time and waited 10 more days to then be informed that " my paycheck stub was from XX/XX/2019 and they couldn't accept anything older than XX/XX/2019 '' in which i replied that i have not sent them any paycheck stubs i sent my W2 's like they asked. after an absurd amount of time on hold i was told to re fax my w2 's and if they were on file or when they received this 3rd fax my acount would be unlocked within 5 more days. 5 days later i called my account is still locked no one can tell me why, just that they have received my paperwork and there is no further instructions so there hands are tied. I beg of you to please help me in this matter for i have no where else to turn, i have not been able to access any of the only {$1400.00} to my name for over a month and i see no resolve in the near future i have already lost my place to live and will soon be on the street i also have kids than have literally gone without meals do to this. what they are doing should be criminal, this is my unemployment check and they have kidnapped it and are holding for a unpayable, ever changing ransom. I have spoken with the unemployment office and they assured me that this was US Banks doing, not theirs. Thank you for your time and consideration

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
on XX/XX/2020 I received an email notification from Equifax for a credit report inquiry from " XXXX XXXX XXXX  XXXX ''. This was troubling to be because I did not, nor am I even remotely interested, in applying for a vehicle loan. I do not have a car, I don't want one. Needless to say ... this inquiry WAS NOT AUTHORIZED. Furthermore, my Equifax score dropped because of this inquiry. What does XXXX XXXX want with me and vehicle loans? I don't want a vehicle loan from XXXX XXXX. Are they allowed to do this? Pull my credit report whenever they feel like it? This can't be right. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
There is a vehicle charge off on my credit report from Prestige Finance and this appears to be fraud. This has hurt my credit tremendously and I would like this item removed. I have tried to contact the company but they would not assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I tired to log online and it told me my account has been locked so I went to the bank to try and pull out money and the teller told me I can not pull out money and to call this number so I called CHASE bank and they told me I received a deposit back in XXXX and they want proof of the deposit. They will be closing my account and holding my funds until I get proof and if I dont get proof they will keep my money. They havent sent me any letters in the mail nor called me they sent me a notification online witch I cant get to because they locked my account the only information Im getting is if I call and the information is different every time I call.

Company response to consumer: Closed with explanation