vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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:
I never applied for this companies, never received benefits. 
I didn't sign any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I have worked 7 years and 10 months in Public Service. Great Lakes and FedLoan are not giving me credit for this time despite them knowing I was working in Public Service on a Repaye program. They won’t even provide me all my loan documents. They advised me. I knew when I graduated my plan was to work in Public Service and they were aware and advising me. They will not give me my documents without a subpoena??? This needs to be a class action lawsuit. I don’t mind working off my loans, but public service does not pay and this program is a JOKE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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:
THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.

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 2019-12-13 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:
THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I had an alarm system installed by XXXX. I DID NOT authorize for my credit to be pulled and in no way did I authorize any relationship with Fortiva. I received a credit alert that a new credit card for {$4000.00} was placed on my credit file with a utilization of 40 percent. This WAS NOT authorized by me. I did not authorize the credit inquiry not the opening on any account in my name. 

I'm demanding that this account in its entirety be removed from my credit files an that any an all business relationships be ceased, in addition to the complete cancellation/return and refund or the security equipment provided by 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 2019-12-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently on XX/XX/XXXX because of a phone call received from Citi credit card company I became aware that a credit card had been issued in my name to a person living in XXXX XXXX Ga who had the same first and last name. The total balance owed being {$9000.00}. A payment Citi received was less than the monthly {$850.00} owed. 
I have never lived in Ga.. I have lived in Florida since XX/XX/XXXX. I have never had a Citi credit card. Yet the individual had obtained all my personal information according to the Citi rep. 
Citi called Florida on our landline phone number and we spoke regarding the bill. Apparently contacting the person who was issued the card and had made the payment did not occur to Citi. 
Therefore it is difficult to believe Citi can or is willing to do the right thing. 
To be told a credit card with my name has an unpaid balance of over {$9000.00} is frightening.

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
Back in XXXX I purchased a ring with a Kay 's credit card. I had just gotten out of the military and went through hard times and did not pay the payments. It went into collections but was later closed. It has been years and we have heard NOTHING from kay jewelerXXXX. In the meantime I had purchased a vehicle and home with no issues and no remarks of portfolio recovery. Today, XX/XX/XXXX I received a letter for notice of bank levy in the amount of XXXX. Stating their other attempts have failed and they will garnish my AND spouse bank account ( we werent married at that time ). This was from XXXX and it was never for that amount that they're asking. We have received no other correspondence.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Due to Citibank 's unwillingness and inability to address the issue of defective purchase from XX/XX/2018 I closed the credit card account. 
I was told at the closing time that I have 60 days to redeem the thank you network rewards   points in the amount of upto XXXX. 
Today I attempted to redeem the points for a hotel stay and found out that my thank you network access has been blocked making me unable to access and use my points. 
I was given an alternative to use the live operator for hotel booking however this is neither practical as there is absolutely no transparency on how the hotel booking categories are used or what is available at what time not to mention possibility of the overcharge for the hotel stay with the rate I can not see. 

I expect the Citibank to honor its obligation of giving me a 60 days to use up my points and in order to do so I expect the Citibank to restore access to my thank you point using the existing ID and password. 

Alternatively if the Citibank fails to do so I expect the refund of my points at the scale of {$100.00} XXXX points and not any other conversion rate. The rate is standard in the industry and I have redeemed the points in the past for the same amount.

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 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/27 - I notified a fraudulent EFT charge for {$2000.00} on my individual checking account. I immediately contacted my bank ( Simple ) and informed them of the issue. 

While Simple credited the {$2000.00} back to our account on XXXX, we have been unable to access any funds held within both my individual and my shared checking account ( essentially a month of pay we were unable to switch our direct deposit prior to the holiday ). I have contacted the bank several times, and theyve said they are unable to allow any access to those funds, since the accounts are blocked. I was never informed that this would be the case when we first instated the blocks, and I had been able to activate temporary lifts of those blocks when our account numbers were previously stolen at the same bank. 

Our shared checking account numbers were previously stolen in XXXX, and the bank did not recommend closing down all our linked accounts at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: AES/PHEAA
State: OR

Complaint narrative:
FED LOAN SERV reports two late payments on my XXXX   and XXXX  credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TX

Complaint narrative:
TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH TWO SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, AND ALSO XXXX XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR XXXX ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!

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 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX reports two late payments on my XXXX   and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.

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 2019-12-13 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: OR

Complaint narrative:
XXXX  XXXX XXXX reports two late payments on my experian and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.

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 2019-12-13 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: FL

Complaint narrative:
I am a victim of identity theft. I have reported this incident to the FTC. I HAVE CALLED DISCOVER and ti no avail the company is reluctant in removing the fraudulent account from my credit profile. I have never had a discover credit card. Nor have I ever had a XXXX XXXX  credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: WA

Complaint narrative:
Experian is incredibly difficult to work with in terms of freezing your credit for protection. Their automated systems are not working for me and it tells me to send in information or call customer service. When calling customer service, their automated phone system makes it literally impossible to navigate the menus and get to an actual person. I've called the phone system multiple times and tried different menu options and it still kicks me back and out and I can't talk to a human! I just want to place a freeze and confirm that Experian has my correct information on file, and I can't get 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 non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/2019, I had filed a CFPB Complaint ( # XXXX ) against Wells Fargo in what I felt was harassment and lies to give themselves an opportunity to deny me of any mortgage assistance. 
The original complaint was my frustration with Wells Fargo for fabricating the denial reasons for mortgage assistance. They had claimed that I never provided any documents to verify my income. This was a lie. I provided them. They did respond to this first complaint and I was put back in review as of XX/XX/XXXX. They stated that they would conclude my review in 10 days. We are now into XXXX and nothing has been resolved. They have stalled and stalled and stalled. 
On XX/XX/XXXX, they requested my lease agreements to be notarized with myself and the tenant present. I provided this to them 4 days later. On XXXX, they stated that the notary seals are not legitimate and that the notaries were not either. They insisted that I get new notary seals and that I can not use the same notary. The notaries are NOT questionable. One works for the state and the other for my Federal Credit union. How are they not legitimate? 
On XX/XX/XXXX, Wells Fargos underwriter who has been causing problems notated that he/she feels that none of my notarized documents are valid because the notary, myself and the tenant were not present. How can this underwriter make such a claim??? They were not present at the signings! This is ludicrous and again another fabrication. In order to find out why this underwriter is making such a claim and giving such a hard time, I tried to have a conference call to inquire about this. The answer I was given to this request was the underwriter has opted out because they have requested the information that is needed. 
So now, I am once again at a standstill. At this time, Wells Fargo and this underwriter are causing a diversion by coming up with another lie to distract from the real problem. My review and why they are not giving me a fair one. I want Wells Fargo to stop this game and I want this underwriter to be held accountable for the problems that I have been caused. I DID PROVIDE THE RELEVANT DOCUMENTS TO VERIFY MY INCOME AND MY NOTARIES ARE LEGITIMATE. MY TENANT, THE NOTARY AND I WERE ALL PRESENT AT SIGNING. Please help me with this. Why are they doing this to me?

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report inaccurate information on my credit report and refuses to update the information that is now being reported on my Credit Report. As a result Equifax has also reported and refuses to update my correct and current Credit Score. My credit report has not changed and has not been accurately updated since XX/XX/2019. My Credit Score Score today XX/XX/2019 is still the same as it was on XX/XX/2019 even though I have two new creditors now reporting on my credit report. I have no debt to Credit Card Creditors as I have paid off all of my credit card balances. I called and was transferred to 9 different Representatives today while attempting to correct the information on my Credit Report. When I called to speak to an Equifax Representative  each time they all said that they could not help me and transferred me to various other departments. All of those representative attempted to blame me and said that I only have an myEquifax account not a paid service and that I can only see a my credit report two times a year for free. All of the Equifax Representatives refused to provide me with my current credit score stating that they needed to transfer me to another department. They all said that I have to pay to see my Credit Report with my accurate score and information and that they could not help me and transferred me to another person, hung up me or gave me another number to call! This is not acceptable as I am being verbally abused and harassed by the staff at Equifax while they continue to  provide false and inaccurate information on my Credit Report. Equifax staff are also refusing to correct the information on my credit report and refuse to provide me with my current credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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:
XXXX XXXX XXXX opened a fraudulent savings account in my name. After learning of the fraudulent savings account I am mediately froze my three credit bureau reports and contacted the credit union. Someone from their staff informed me that the information would be removed from my credit file and that they had received the dispute from the credit reporting agencies. Shortly following the conversation with one of their representatives I received a letter from the credit reporting agencies telling me that the information was verified. I attempted to contact them again but to my avail no one would return my phone calls after being transferred to numerous voicemails. 
Finally I spoke with someone in their freight department who had informed me that once again they had received my dispute from the credit reporting agency but they would not remove the account because they acquired my ID. Additionally I asked what was causing the balance on the account and they informed me that it was a fee. I asked them if they could remove the fee to have the information removed from my credit report because it is reporting negatively. They are refusing to remove it from my credit report because they say they are saying the {$30.00} fee is in another department even after I explain to them that I was not the one to open the account. They have refuse to delete the account from my credit report although I have submitted FTC reports along with a police report to them and the credit reporting agencies. They told me that my police report was insufficient and that I needed to come to Kentucky although I live in Ohio and traveling to Kentucky would not be an option. I have never done business with them and did not authorize the opening of the incorrect account on my credit file.

Company response to consumer: Closed with explanation