vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XX/XX/2020 a man came to my home to do labor for me. When he got here, I sent him {$100.00} over XXXX for the work, he then promptly drove off and disconnected what was apparently a burner phone. I have no means to contact that man now. Everything he gave me information-wise apparently was made up. 

I called Wells Fargo to have this reversed and they simply stated to me that deep down in their Terms and Conditions for XXXX that if you authorize a payment that you can't have it reversed. That's perplexing to me provided my bank supposedly offers insurance on their accounts / services for scams and fraud on transactions / transfers.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute for a charged off credit card account that I was added as an authorized user. In the details of the account it clearly showed that I wasn't the primary card holder. Currently I have gone through two rounds of investigations and Equifax and XXXX  never removed this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had to reveal my full SSN, Pin #, Mother 's Maiden Name, Address in order for my bank to talk to me about the below  concerns, which is also concerning. 

I deposited 2 checks from a money market account on XX/XX/XXXX. The first check for {$5000.00} cleared but Truist is still holding funds from the second check for {$2500.00}. 

I wrote a check for XX/XX/XXXX in the amount of {$5400.00} that subsequently bounced on XX/XX/XXXX. 

I spoke with Truist today and there is nothing wrong with the check -- they are just holding the funds, causing me to bounce the check, which could lead to foreclosure on our house. 

The only coherent explanation was that : 1. The funds were significant, which is why Truist could not clear it, and 2. It was my fault. 

If $ XXXX-XXXX  is a significant amount for Truist, then I wonder how the merger between SunTust and BB & T benefits America and its citizens. 

The resolution offered by Truist was to call their CEO ( whom could not be named ) at ( XXXX ) XXXX. When I called this number a voice recording replied that no one was available to help. 

Feels like Truist is now insolvent and I want to bring this to Federal Government 's attention.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED BANKRUPTCY ACCOUNTS HAVE BEEN DISMISSED AND I WOULD LIKE TO HAVE THEM PERMANENTLY REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAVE DAMAGE AND HARM MY CREDIT FILE WHICH HAS CAUSED ME TO BE IN DISTRESSED BECAUSE ITS HAS STOP ME FROM ACQUIRING NEW CREDIT AND HAS PUT MANY PERSONAL ISSUES ON HOLD.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED BANKRUPTCY ACCOUNTS HAVE BEEN DISMISSED AND I WOULD LIKE TO HAVE THEM PERMANENTLY REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAVE DAMAGE AND HARM MY CREDIT FILE WHICH HAS CAUSED ME TO BE IN DISTRESSED BECAUSE ITS HAS STOP ME FROM ACQUIRING NEW CREDIT AND HAS PUT MANY PERSONAL ISSUES ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: MD

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2020-03-28 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Joint account, my judgement was determined to {$0.00} documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: MD

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-03-28 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: MD

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Me and my ex-wife went to the car dealer and the salesman said that all I had to do was called finance company and have my ex-wife put on the loan so she can be authorized to the account because the car was for her I've never had a major purchase like that and I didn't know I was naive to the fact when she didn't make her payments they came and took the car at which at the time the finance company knew that I was no longer living in New York with her my divorce was final XX/XX/2019 now this car is on my credit report they got their car back and I want to know what can be done about the situation. The salesman lied and now I'm being penalized for it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. Auto Credit Corporation
State: TX

Complaint narrative:
Vehicle was returned and or turned in as trade in. Update and or remove Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Has called me from Multiple " local numbers. '' When I have answered there is a delay and just asked me to confirm who I am without telling me what it is about first. I have asked them not to call me again and they do but just from another number. They do not leave voicemails when I miss the call. When I return the call, it tells me it's for Portfolio Asset Recovery. Some of the numbers they have called me from are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 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: NY

Complaint narrative:
Accounts and inquiries appear on my credit report that are unverified and unauthorized

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My statement closed on XX/XX/2020, payment due date was XX/XX/2020. The statement had only 2 charges : XX/XX/2020 {$1200.00} XX/XX/2020 {$1000.00} Both charges were refunded by the merchant before the payment due date : {$1200.00} was refunded on XX/XX/2020 {$1000.00} was refunded on XX/XX/2020 This brings the statement balance to XXXX. Bank of America system didnt identify that the statement charges were " All '' refunded and still showed me that a payment was due. I thought this was a bug in their system that will auto-correct once the new statement closes. To my surprise, my account was marked past due and I was charged a {$25.00} late fee on XX/XX/2020. 

On XX/XX/2020 I chatted with a BoA customer care representative who denied my request to remove the late fee, I requested that my issue be escalated to a supervisor and was told to expect a call within 2-4 hours. I then called ( XXXX ) XXXX XXXX at XXXX XXXX ET and spoke with a customer care representative, she said : I will submit a request to get the {$25.00} late fee refunded. At XXXX XXXX ET, I received a call from a supervisor at BoA, I explained to her what happened, she said she doesnt see any notes on my account that I spoke with anyone and doesnt see a request for the late fee refund. She also denied my request to get the fee refunded. 

What happened is an error in Bank of America system that no other bank has. I own credit cards with All major banks ( XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ), their system automatically deducts refunded charges from the payment due amount. 

Charging customers late fees and expecting them to pay for a statement that has XXXX balance is not legal and Im surprised that BoA didnt get sued yet over this.

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 2020-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-03-28 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: FL

Complaint narrative:
I found three late payments on all three credit reports. I have filed a dispute with all three, two have corrected the issue Experian has not corrected the error. The dispute was with XXXX XXXX, I have made my payments on time every month. Back in 2018 I had XXXX XXXX   and could not work for three months. I contacted XXXX XXXX to ask for a deferment, they agreed to that. The following year My XXXX XXXX passed away, I asked for one more deferment due to funeral expenses in XXXX and XXXX where my XXXX was XXXX and many family members live, XXXX XXXX agreed to the deferment, for some reason the deferment came up as late which XXXX XXXX corrected. When I called Experian they said to file a dispute. I have already submitted the complaint, I can't do that again. XXXX XXXX said they notified Experian that the late payments are deferred payments not late. To this day Experian neglected to correct their error and this has caused me extra interest. 
Please have Experian correct their mistake. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding, are very unknowledgeable and weren't even able to explain why they are on my Report and said they couldn't remove it. They are on there 3 different times, remove Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 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: NY

Complaint narrative:
Accounts and inquiries appear on my credit report that are unverified and unauthorized

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 2020-03-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Accounts and inquiries appear on my credit report that are unverified and unauthorized

Company response to consumer: Closed with explanation