vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Merchant : XXXX XXXX XXXX XXXX  CA {$190.00} on XX/XX/ I have disputed this transaction, recently, Citi bank sent me an email said that they have completed this dispute, because of " We did not receive proof that you did not receive the merchandise. '' It ' s not the consumer 's duty to prove I did not receive the merchandise. It's the merchant 's duty to prove that they have sent me the merchandise. This dispute should be reverse onus. It needs to shifts the burden of proof. 
I never received anything and didn't see any shipping update from the merchant for 3 months.

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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: PA

Complaint narrative:
I believe this company has violated my rights according to the FCRA and FDCPA. I found them on my credit during my bankruptcy proceedings, so I asked them to please validate their information. they have never, ever sent me anything in the mail. I found through research that they had to notify me before reporting, which they never did. They had to validate the information to the consumer if requested, so I sent them a dispute letter. When they didn't reply to the first dispute, I sent them a second dispute, and they still haven't replied. I'm wondering if Congress Collect actually exists, or is only a fake company that reports to peoples credit to defame their character. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-08 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: NY

Complaint narrative:
This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports.  The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX # - XXXX XX/XX/XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXXXXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXXL ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXXXXXX XXXX ACCT # - xxxxxxxxxxxx XX/XX/XXXX XXXX XXXX ACCT # - xxxxxxxx XX/XX/XXXX XXXX XXXX  ACCT # - xxxxxxxx.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX {$17000.00}

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 2020-04-08 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$17000.00}

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 2020-04-08 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just received a notice from my Wells Fargo they are closing my account. I am not bouncing checks or anything like that. It's just that I have a small account that only receives my social security check. 

The bank only gave me a one week notice. I receive my Social Security check into this account and Social Secuirty takes 6 to 8 weeks to be able to switch to my new account. Can you help me to stall the closing until my Social Security check can make the switch to the new 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 explanation
Consumer complaint received 2020-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The company response does not include accurate information. Also, I have tried to contact XXXX XXXX for almost two weeks and left several messages and there still has not been a returned phone call. 

For clarification, I am not disputing that the payment was late due to the APR change. I am stating that I was not notified of the minimum payment change. It is stated in the response that I still had access to Online Banking. As I stated in the complaint, when the account was closed, I tried to access Online Banking and could not. I contacted Bank of America and a rep told me because the accounts we closed, I no longer had access and would receive paper statements. I was also told that the auto payments of {$60.00} per month would stop, so I set those up on the phone for {$50.00}. All of this phone call should be recorded. It was the same situation for the business credit card. However, I was receiving started receiving physical statements for that account, but not the personal account, so I was not aware of the payment change. 

I am asking Bank of America to reverse the late payment due to the situation and me not receiving notification on the payments. This was the reason the late payments were revered. I am asking for a reversal of the late payment to my credit report. How can you agree to reverse the late payment due to the error of me not receiving statements, but not reverse the credit reporting? I will continue to dispute this until it is resolved. Credit reporting needs to be reversed.

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 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
This debt was removed, then sent to Trident Asset Management, XXXX, GA which called three times a day and called me at work repeatedly after I ask them not to. I do not owe this debt, never had a Visa with the XXXX XXXX XXXX I want this stopped. It gets removed from my report then transferred and back again, causing my score to drastically decrease. I have no account number to give. Please HELP! Amount is a small {$410.00}, I have many credit cards, car loans, mortgage all are paid on time. Why would I not pay such a small bill if it was mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Every few years, I've received a call about an 12 year old Wachovia acccount. I have called XXXX XXXX and Wachovia in the past and they have no information about the account or who's contacting me. I have obtained a consumer report that has no trace of this account. Now there is a law office threatening to serve me with a lawsuit if I do not pay. It has been every couple of years that I am contacted but the last time when they threatened to sue was on Friday, XX/XX/2020. I have told them that I will try to get some information from the bank to show that I don't owe this debt, but the bank has no information to give.

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: NJ

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX used to supply water to the office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I work, their services were terminated for non-performance. they did not deliver the water to the office they have been delivering the water bottles to the wrong business XXXX XXXX. 
However, because of erratic performance and resultant services termination, they wanted us to pay for all the services that were delivered at the wrong office. Because of the disagreements, they went ahead and took the account to collection. Not only that they reported it as personal debt on my credit which is an abuse of credit law 1. XXXX XXXX XXXX is a registered business entity and not the same as me 2. I Never personally guaranteed any services 3. Deliberately putting an incorrect reporting on my personal credit wrong and unlawful 4. I have called many times to make them correct this anomaly but they refused 5. I do not reside at this service and this purely a business place 6. u can not slam someones credit because you have access to it 7. I didn't enter into any personal agreement or contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Rhode Island Student Loan Authority
State: RI

Complaint narrative:
Rhode Island Student Loan Authority ( RISLA ) has debited my bank account for my payment, but not posted it to my student loan account. They have stolen over {$1000.00} from me.

I submitted a payment on the RISLA website using the same stored bank information I have for all previous payments. The payment posted to my bank account within a few days with no issues.

I got a follow-up email from RISLA that my payment was returned. I verified it was not, and called customer service expecting them to have some sort of resolution process to work this out with my bank. 

No one would even make an attempt to look into the issue, they would just read " your payment was returned '' from the account notes and not proceed any further. I have spent over three days on the phone trying to get assistance. 

Here I am with a $ XXXX payment debited out of my bank account, my student loan is still showing a payment due, and I have had no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: RI

Complaint narrative:
I initiated a loan payment as an ACH transaction on my lender 's site, debiting from my SoFi Money account. The payment debited my account a few days later. 

I received a follow-up email from my lender that the payment was returned, and assessing me a fee. The payment was still debited from my SoFi Money account. 

I attempted to resolve this with the lender, and they were insistent that they received a payment returned for " No Account / Unable to locate account '' and to contact my bank. 

I called SoFi only to be told that they didn't return the payment, my lender is wrong. The only " assistance '' I could get from SoFi was being told I used the wrong routing number. I verified the routing number used on the payment was the correct one, and they had no further help or ideas. 

No one will help to try and resolve this. SoFi has stolen over {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital one and was told they are not offering assistance to me???? I was told we can only defer payments 30 to 60 days but interest will accrue! I pay my statement in full every single month with my Walmart/Capital One Card. I asked not requesting to defer my payments but 60 to 90 days of interest so I can pay all my creditors due to what is going on. I was not going to spend hours on the phone. I emailed the below person who is the correct contact with no response. This is due XX/XX/XXXX. I spend hundreds of dollars to have food/items shipped to my XXXX year old Mother. Its just egregious there did honest behavior with emails we are here to help! Just to get through in an hour wait and this bank is not helping people but just deferring one or two payments but the interest is over 25 % to 30 % This is standard whether you have stellar or bad credit. This bank does not care. Note : I closed all my account with them back in XXXX when my Mother went into a XXXX  with a very bad XXXX XXXX and went back home to take care of her and stopped working for XXXX XXXX This Bank threatened to report me to the credit bureaus and would not help me and never late with a payment! This bank needs to be policed and fined for many banking violations. 


See email below. 

From : XXXX XXXX Sent : Monday, XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : ACCOUNT ENDING IN XXXX Walmart XXXX, I want to begin how poor and untrained the customer service of CapitalOne. Its sad what going on as the entire world is shut down. 

I like you to give me a call. I filed an OCC complaint with XXXX XXXX. I also filed with the CFPB. I like you to give me a call. XXXX I SIMPLY ASK FOR NO INTEREST FOR 90 TO 120 DAYS. I WILL NOT GO INTO A LONG EMAIL AND WASTE ANY MORE OF MY VALUABLE TIME. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: IN

Complaint narrative:
Sallie Mae calls multiple times per day on a loan that they already approved for forbearance. I am only the co-signer, and yet, I get at least 3-5 calls every day. That to me is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank debited {$5300.00} on XX/XX/2020 from my account for transactions that had happened between five and 8 months prior to the date. They have said they were doing a fraud investigation at the beginning of XXXX, however, at the conclusion of the investigation in XXXX, they made it clear that I had done nothing wrong. Then, a full four months later, with no notice and no explanation, the {$5300.00} was drawn from my account. I have escalated this issue to multiple levels of Chase, including their executive office and they had said they will not help me. I have provided them with the most specific guidance I could find, which was directly from you guys ( CFPB ) and they refused to review it. I believe that the checks in question needed to be reported within 60 days, which certainly was not the case here. With Chase now refusing to help, I'm asking for you guys to try to step in. 

The transactions in question are included below : XXXX {$2200.00} XXXX {$770.00} XXXX {$810.00} XXXX {$1500.00} https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discovered-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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