vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX for lowes charge card knows I received my social security check on the XXXX XXXX of every month .I had my due date for payment due on the XXXX or abt.without knowledge and sending me any bill by paper billing in which I get for all bills, suddenly stop and they change my due date to the XXXX!! .I always paid {$100.00} on my bill every month even tho the amount due is {$75.00} month.they charge me for late fee.and want {$23.00} for late fees. I REFUSE TO PAY THIS .they will not forward nor waive the late fees and they claim I have to call customer service to change my date back to the middle of the month..i ask the first call I made to change my due date BACK and she refuse to .ignore my request and went on the torrade of the late payments and the other day a customer service said I miss several months and my bank denied this and every month my payments been made and never return!! they lied! i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: NY

Complaint narrative:
On XX/XX/2018, I had applied for a job to be a driver with XXXX and XXXX and on XX/XX/2018 the Company CHECKR disclosed information from 16 years ago. According to FRCA consumer reporting agencies are only allowed to disclose background check information from up to 7 years prior, Checkr violated this rule. As a result my application was denied by XXXX and is under review by XXXX. Checkr also reported false information saying I was convicted of XXXX XXXX when I was in fact convicted of XXXX XXXX   even after I corrected XXXX XXXX of Checkr and sent them proof they still continued to report this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, WA XXXX XXXX ) XXXX This company says I owe them {$1800.00} for damages when my wife moved out of XXXX XXXX XXXX XX/XX/2016. The original amount was {$1700.00}. This is listed on both of our credit reports as individual accounts. I sent Debt Validation letter. They only sent a itemized copy of a bill. There were no " original contracts ''. They also inaccurately report this account as open which is very damaging to our reports. An FTC opinion letter clearly states that mere itemization does not constitute debt validation, therefore they are in violation of the FDCPA. In addition, the Highest balance is {$1700.00} and the balance is {$1800.00}. How can that be?? It has multiple inaccuracies. I have attached their attempt at validation of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All addresses on my credit report are inaccurate and must be deleted.

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 2018-07-01 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: PA

Complaint narrative:
I have the same error on my XXXX  credit report, and my Experian credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and Experian state that this account has been opened on XX/XX/2017.

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 2018-07-01 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had filed a complaint with Wells Fargo for charges that were not made by me or authorized by me. The person who took the card was an adult son. He is not on the account and was not allowed to use the card on his own. Wells fargo is asserting that he was authorized and that is not correct. I have filed a police report as soon as I could regarding the occurrence - with XXXX County Sheriff Department case XXXX. 

I had a difficult to use card, replaced. The card had issues with both the strip and the chip. I had thrown the card away in a trash compactor. Apparently, the individual took it out of the compactor without my awareness, and cleaned it from the food I had compacted on top from the fridge and put it back together somehow. I noticed utilization of this card when receiving an email indicating the card was being used 20 miles north of my location. I had called the XXXX XXXX to investigate the charge and the manager recalled the thief as the " card was very hard to use ''. She furthermore described him. After careful inspection of the statement this person used my card in locations I may use it. To be undetected. But also places I had not gone. Like a tire shop, vape store, XXXX, as burger, XXXX.. XXXX, XXXX charges totalling over {$1200.00}. This individual moved and went crazy with a card he put back together. After confronting him he admitted to taking the card prior to destruction from my wallet and returning it undetected, and later taking the card when it was disposed of. 

Wells Fargo Credit Card comes with Zero Liability at no extra cost. Its built-in protection features ensure that you wont be held responsible for any unauthorized transactions, as long as they're reported promptly. 

They were reported as soon as noticed. It takes time here to get the police report, etc. Wells fargo is not holding to their agreement. The charges I had highlighted were indeed fraud.

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 2018-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My lease was about to be up, so I went in to obtain a new car. I spoke with representatives, came to an agreement, then on the day I was supposed to come in and pickup the new car, I received a phone call that they werent going to honor the deal that was reached. I went in and spoke with the manager who at first was not going to honor the deal, but once he realized it was the representatives error and not mine, they honored it. Or so I thought. I went in finally a week later to get the car and of course the lease terms had changed. They were only going to honor the price, not the mileage that was agreed to, but a this point, my lease was due to be up, so I didnt have a choice but to take a lower mileage lease or be stuck with no car and rushing to find transportation. After all this, my problems were just beginning. They took my lease turn in and then threw an $ 1800+ balance on my credit report. After finally getting that taken care of after weeks of going back and forth, theyre still reporting a $ 480+ balance. This is all after I disputed multiple times because they continuously marked my payments late because of a late fee that they added, even though my payments were on time. I want the late payments removed from my credit report and I want this false $ 480+ balance removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had two cards with capital one credit card company. During my business with them my identify was stolen and i took measures into contact-ion capital one and during this process there were fraudulent charges that were accumulation onto the card. Capital one did shut, and close both cards but say that want me to pay the money, even though i did not make the charges, there is o liability that capital one has but they keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 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: FL

Complaint narrative:
All addresses on my credit report are inaccurate and must be deleted.

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 2018-07-01 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: PA

Complaint narrative:
I have the same error on my TransUnion credit report, and my XXXX  credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. TransUnion and XXXX state that this account has been opened on XX/XX/2017.

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 2018-07-01 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: PA

Complaint narrative:
I have the same error on my XXXX credit report, and my XXXX   credit report. Equifax won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and XXXX state that this account has been opened on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: IL

Complaint narrative:
I sent Transunion a letter stated that the information about me working a XXXX XXXX XXXX XXXX  is not true. My daughter worked there. They claimed that an employer verified it that is fradulent. Then I called Transunion they claimed to have removed it and it was placed back on my Report in XX/XX/XXXX. I have proof I have never been employed there. 
this is fradulent information that they refuse to delete.

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 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with Second Round LP. This was a XXXX 's XXXX, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, Second Round LP is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even Synchrony sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, Second Round LP is reporting on XXXX  that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. Second Round LP stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They called at XXXX XXXX. on a Sunday. Tell it was an automated call then they picked up the line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 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:
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 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:
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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:
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On XX/XX/2018 I noticed a Collection had appeared on my credit report. It was opened by Diversified Consultnts. To which they said I owed them {$410.00}. I never did any business with them so I confused as to why they were trying to collect money from me to which I did not owe. I looked through and see that the original creditor is XXXX which confused me more as I still have a active account with XXXX and was never told about this debt or sent any bills for. Upon finding out this information I gave XXXX a call and was told it was from a closed account to which I was told I owed nothing towards after paying my final bill. This collection has destroyed my credit and ruined me from going forward to get a home loan for myself and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
keep increasing my interest rate!!! as I continually pay off my loans Like they know I'm getting rid of the loan so now they want to increase the interest rate through the roof to maximize their profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An account stating that I am delinquent XXXX, which, should show I dispute, also showing incorrect payments made in XX/XX/XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX and again in XX/XX/XXXX. That is false, I did not make any of those payments and actually reported my card stolen in XX/XX/XXXX,  provided police report and XXXX   reporting this information regarding other accounts on XXXX  and XXXX   correctly. Also, does not state last payment made, which XXXX, in a letter sent to CFPB states was XX/XX/XXXX.

I am disputing this debt as I have sent in complaints that XXXX XXXX corporate did not effectively communicate their accounting errors and did not reflect my refund to my card/account correctly to XXXX   and XXXX, which would have shown that my account was paid and closed.

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 2018-07-01 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: NV

Complaint narrative:
SS # XXXX I have submitted police report to Experian as well as a letter of dispute for each incorrect fraudulent activity on my credit report. And the issue has not been resolved. I am a victim of identity theft 2x. Experian has not removed the following fraud inquiries and credit card and Bankruptcy. Please review my documents I have lived in XXXX  10 years. There is a XXXX XXXX   bankruptcy reported XX/XX/2015 reference number XXXX.

Inquiries 33 total most of these are online inquires I researched. Online payday loans .Please Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account

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