vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I pulled my credit report and noticed inquires that I have never made and sent letters to the Equifax with in a certified envelope to remove these inquires that are not mine if not provide me verification that these are mine.. I received a letter back stating that these inquiries are Verified. Verified means the credit reporting agency must provide me proof of verification that show my signature on an application of other documentation. Equifax did not provide any documentation and is now putting false information on my credit report which I will file a lawsuit against Equifax if these false inquires are not removed. 

Equifax has had numeroud data breeches and now fails to correct there mistakes which is key in a lawsuit if these accounts are not removed for false inquiries. 

The letters stated " Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX  - XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: IL

Complaint narrative:
I was sent a Wage Deduction Notice from a Law Firm named XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a Capital One Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from Cap 1 customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other Cap 1 account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. Cap 1 is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We opened a joint checking account with TD bank in XXXX XXXX XXXX, Florida in early XXXX. When we opened the account we were told by the branch personnel that a 30-day hold would be placed on our deposits because we were a new customer to them. 

More than 30 days has elapsed since we opened the account and the bank is still holding our deposits, and not giving us an adequate explanation for the holds. We are now unwilling to deposit any more money into this account because of the arbitrary hold policy ( whatever it may be from day to day ).

We deposited 4 checks ( total deposit {$5900.00} ) on XX/XX/2020. We have a receipt showing the deposit, along with copies of each check. One of the checks ( amount {$4200.00} ) was from my Pension custodian ( XXXX ). We have been informed by the local branch personnel that TD bank 's internal bank Fraud Operations department took issue with this particular check for some reason, but capriciously placed a deposit hold or the entire deposit amount. We have received a letter from that department to this effect, and have discussed the matter with the local branch personnel to attempt to get it resolved. As of this date the hold remains in place, in spite of the fact that the check has long since cleared the Federal Reserve System.

The local branch personnel are sympathetic but unable to effectively negotiate with the Fraud Operations department to resolve the issue. 

What are my options for recourse? When will the bank stop subjecting us to unreasonably withholding access to our funds? I have no confidence that this bank will fairly treat us in the future, and we plan to move our account elsewhere immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is a line of credit from synchrony bank, My first, last nameAre completely wrong. For example my first name is the last name in my last name is my first name, The middle initial is not even mine. I contacted synchrony bank today in after spending almost an hour on the phone I got no resolution. The representative wanted me to send a copy of my drivers license to her personal fax number which Im not comfortable doing. My drivers license was provided when i first opened the account and I have made purchase in the past so Im not sure what had happened here.

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 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I wanted to book a flight on line with Spirit Airlines using my Bank of America Spirit Airline credit card using my miles reward. I wasn't able to book it on-line because my Free Spirit Number was incorrect. I called Spirit and was able to book the flight using XXXX of my XXXX miles and an additional cost of {$30.00} for fees. I asked if I could pay for my seat, baggage and change fee protection which their web-site said the cost was {$77.00}. I was told I had to wait for a confirmation number and then I could go online again and get that bundle for {$77.00}. However, when I went online a seat cost was {$45.00} and another {$45.00} for baggage and no change fee protection. Again I called Spirit and was told I could only get that {$77.00} bundle when I booked online. At that time I said I wanted to cancel my reservation and asked if I would get a refund for the {$30.00} and the XXXX miles. I was assured that I would get a refund and it would be credited to my account within 8-10 business days. No refund was been credited to my account as of this date. 

I also asked why I could not book a flight online using my Free Spirit Number but could call and book a flight using my miles. I was told only my husband has that Free Spirit Number account. However, my credit card has my name with the same account number and Free Spirit Number. I asked if I could add my name to the account, even though I have my own credit card and Spirit said I had to call Bank of America. When I called Bank of America they said Spirit handles that.

I have emailed Spirit several times and they told me I have a different Free Spirit Number but that Free Spirit Number account was closed when my husband and I opened this account through Bank of America.

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 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
THIS COMPANY HAS REPEATEDLY CALLED ME FROM DIFFERENT NUMBERS ALL HOURS OF THE DAY AND NIGHT. I PINGED THERE IP ADDRESS ON THEIR SERVER AND IT IS COMING FROM THEM IN VIRGINIA. IM AM EXHAUSTED WITH THIS COMPANY. THEY ARE PAST THE STATUE OF LIMITATIONS IN MARYLAND AND CAN NOT COLLECT BY LEGAL MEANS. THIS ACCOUNT IS POSTED TO MY CREDIT ACCOUNT AS OPEN ON MY ACCOUNT AND IT SHOULD BE CLOSED.I HAVE MAILED THEM A CEASE AND DISIST VIA US CERTIFIED MAIL, FOR {$6.00} I WILL SEEK A LEGAL REMEDY FROM THIS PREDATORY LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-25 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.

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 2020-02-25 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: TN

Complaint narrative:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX, XXXX : # XXXX {$3100.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX, XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I receive multiple robo calls every day about consolidating my student loan debt and also calls about real estate properties. Most of them come from XXXX, Arizona. This has been going on for over a year and is affecting my work life. My phone number is XXXX. 

Some of the numbers are : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX- partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-25 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: TN

Complaint narrative:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX : # XXXX {$740.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2020-02-25 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:
The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX College {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: MD

Complaint narrative:
I received and offer for a 0 % credit card, and applied for it on or about XX/XX/XXXX. In that process I tried to transfer about {$10000.00} from another card, but only got approved for {$2500.00}. After receiving the card I setup autopay on or about XX/XX/XXXX through the Bank of America website. The first few months went through like clock work with no issue. Then Bank of America changed the due date to an earlier day. They did not change the autopay to accompany this change and/or notify me of this change. So for 6 months the bill was paid with autopay 2 days late. This led to a slew of late fees, and then finally a phone call. They had sent emails each month with alerts to payments due along with thank you for your payment every month, but nothing that had an alert about a late fee. On the phone they were only able to remove 2 of the late charges and could not explain why the date had changed. They also closed the account because of this, and of course raised the interest rate to the maximum. They would not work with me, and now won't even allow access to the account so that I can pay off the card. They continue to take to autopay though. I feel this was a bait and switch situation. I would expect that when you setup autopay that it will, you know, autopay it. Now this has affected my credit rating and is affecting my ability to get a home loan.

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 2020-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Informative Research
State: WI

Complaint narrative:
I have a credit card with XXXX XXXX and the rep, XXXX told me over the phone that I do not have any late days past 30 days from the XXXX statement. He advised me that the longest I've ever been is 8 days. I asked for him or a Supervisor to remove the late fee, which he did but he can't remove the 30 days past due, even though there isn't one. This is strongly affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX : # XXXX Balance {$4200.00}. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain

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 2020-02-25 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: IL

Complaint narrative:
On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. 

I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. 

I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. 

I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive.

Company response to consumer: Closed with explanation