vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: CORELOGIC INC
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX  XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX  XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX  XXXX KSXXXX XXXX XXXX XXXX  XXXX XXXX  KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX  KS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJXXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXXNJXXXX I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!

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 2021-07-14 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXKS,XXXX  XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXX XXXX XXXX KSXXXX XXXXXXXX XXXX XXXX XXXXNJ,XXXX  I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I went to CarMax.com and filled out a pre-approval application for a car. CarMax asked me for my Social Security number ( my credit card number thats connected to an open-end credit plan ) and later on that same day, I was sent an email stating we were unable to approve you for the amount requested. Pursuant to 15 USC 1602 I am the natural person, credit means the right granted, the original creditor, the consumer, and the term credit card means ANY card, etc. One card in particular is my social security card. Meaning, I typed in my social security number into Carmaxs website and was denied. Pursuant to Truth in Lending I am the original creditor and that means I am the only one who can extend the credit back to myself because i am the consumer, original creditor, and natural person. On XX/XX/2021, i left a review and someone called me back the next day. I told him about the federal laws that CarMax is violating and he didnt know what to do or to say. I never heard back from anyone again. I called again today ( XX/XX/2021 ) and a representative hung up on me because i was trying to figure out who denied me and why did i have a inquiry on my credit report and i didnt give CarMax written permission to do that. I also filled out a identity theft report on the FTC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This bank is being very unfair with me and I feel discriminated against based of a previous account t I had with them which is closed was closed canceled I paid it off and recently applied for a card with them they refuse to process it check my credir giving internal reason about previous account this isnt fair this is not what they told me at the time of closure that I wouldnt be able to have a new account or reapply its not fair their credit dept treats me like garbage I want. My Hiltons card and they wont even process it their systems XXXX I regret nkt being a customer I want to comeback and be a Cardmember but they wont let me they refuse to process my application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: IN

Complaint narrative:
I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. Experian dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: AL

Complaint narrative:
I have several closed accounts at Key Bank. On XX/XX/XXXX, a refund from XXXX was sent to be credited to my debit card since it was the original payment method. I waited for months for it to be rejected by the bank and returned to XXXX so they could refund me in a different method. I thought the problem was on XXXX, because surely the bank didn't accept the funds to a closed card/closed account. In XXXX, after XXXX assured me they had not gotten the funds back, I called the bank. After researching for a while, the representative told me that the credit had come on XX/XX/XXXX and was not rejected by the bank and had been held for 4 months. How can a bank hold someone else 's money without so much as a phone call? She said that she had to submit a request ( I believe to the Returns Department or something similar ) for a cashiers check to be mailed and that it would be processed within 2 business days. Over a week went by and I called back. Another representative saw the notes about the request and told me that it should have been 10 business days and to wait a couple more days. It's been over a month and I haven't received the check. I called today and spoke to 2 different customer service representatives who said there is no record of the transaction, no record of a request to send me a check, and they could only find one closed account in my name. I was on the phone for over an hour with employees who literally didn't believe me and wouldn't get assistance from anyone else to help me. I have moved and there is not a local branch for me to visit. I am still looking for a refund of {$230.00}. At a time when most banks are stepping up, Key Bank is proving that their processes are unfair, deceptive and abusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: OH

Complaint narrative:
I was contacted about a debt from Valentine and Kebartas about a month ago and I told the person that now was not a good time for me to talk and that she needed to call back at a different time. She seemed to be understanding, but a month later I received a harassing phone call from a customer service representative about this debt and they said it was XXXX. They wanted me to verify my social security number and my date of birth and I refused. I asked her did she look up the information that the other person had told her and she said yes, but that she was still calling about this debt. I told her to send me a debt validation letter and she said that one was mailed, and that I needed to take care of this. I told her to stop calling me and to send me the letter. She told me that she would continue to call me after I told her that the law states that, that she can not harrass me once I tell her to stop calling me. I then hug up the phone on her. Today, on XX/XX/2021 at XXXX. A representative called and pronounced my name wrong and wanted me to verify my information and stated that this was an important business matter. I asked him what this was about and he kept asking me to verify my information. He asked for my address and my social security number and I wouldn't give it to him. I was then frustrated because I heard all of this loud noise in the background and told him that he needed to turn his TV down. He then kept asking me for my information and I told him no and he said well you verified it on the XXXX  and we have been sending you letters. I kept asking him what this was about and he refused to say. The noise in the background was getting louder and I told him that I could barely here him. He then replied that it's COVID-19 and it's his kids and that he is working from home. Then he kept asking for my information, I told him that he needs to stop calling me and that they need to send me a debt validation letter. He hung up the phone on me and told me that it was because I didn't very my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Received an email from my XXXX  account notifying me that my phone was deleted from my account. When I called I come to find out that both my phone and email has been flagged by zelle for " fraud ''. I never received any notification from zelle and I never have had a problem with zelle until now. I can't add another email and I use the service often since I send money often to friends and family to pay bills and other necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report. XXXX  and XXXX  did Remove the fraudulent XXXX XXXX Card from my credit report but Transunion still havent removed it. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX account XXXX This scam ruined our lives. After this much time dealing with the fallout including severe XXXX, I am able to see things more rationally. 

I am a professional with a family. I am XXXX XXXX XXXX. I am not stupid enough to walk into places like this and hand over a credit card to them, I am well aware of unscrupulous places like this. 

This was a failure of AMEX security measures and a willingness of this company to do business with criminals. 

These charges are fraud and AMEX has done absolutely nothing to protect their cardholder and has paid off organized crime. 

Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
Company refuses to fix factual disputes, Charge off account showing currently showing past due, Collection accounts with a credit limit, Accounts that are incorrectly reported as late or delinquent, Open charge off accounts,

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 2021-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
From XX/XX/XXXX I have been waiting on a background check for a new job therefore causing me to lose income for 2 months .I have made arrangements with Suntrust bank multiple times and being recorded. I made payment on XXXX and intend to make payment on XX/XX/XXXX, and on XX/XX/XXXX bringing the account current. Each of payments are XXXX have been called repeatedly for total amount of times totaling 22 times since may.Each time I have explained and given a time for each payment bringing this debt current.This has been nothing more than harassment, pressure and corrosion.

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 2021-07-14 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: MD

Complaint narrative:
I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading

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 2021-07-14 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: MD

Complaint narrative:
I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America keep sending promotional email to open small business banking and by maintaining $ XXXX balance for 60 days will receive reward {$500.00} or $ XXXX will receive {$750.00} and need to make 5 transactions, which I did. 

Unfortunately after going to the branch and calling the customer service, everybody always take note and said will do some research about it and never come back as if nothing happens. 

It is not fair that even until today Bank of America is still sending promotional email saying will give cash for opening account but didnt honor it after 60 days. 

The account is just checking account, no interest paid or anything and on top of that we have to maintain a big amount to make sure we can get the cash reward which then is not honored. 

It is very manipulating to entice a XXXX XXXX XXXX  to open account and maintain balance so that it looks like their business growing for the quarterly report but not honoring the reward. It is a manipulation. On top of that none of the customer service seems to understand what's the deal and always take note and promise to come back but never did. 

I felt cheated as it took me a lot of effort thinking to earn the reward but then seems like nothing and nobody care at Bank of America. It is a big company and we sound just a joke to them.

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 2021-07-14 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: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )

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 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received notification on my XXXX  and XXXX that my score decreased due to capital one reporting 2 missed payments for XXXX and XXXX. Due to death in my family ... I missed XXXX. I have since caught up and paid this account in full as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian reported account is no mine of XXXX XXXX XXXX XXXX send police report and identify thef report and dont received answer only say is verify how is verified account for them This account hurt my possible get my home and need fixed this account of my credit because is no mine and waiting 90 days for them Dont received answer only say verify

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