vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 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: LA

Complaint narrative:
I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX XXXX ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.

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 2019-03-12 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Hard inquiry to credit report not recognized

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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: CA

Complaint narrative:
Background : My identity was unknowingly stolen by a previous roommate who lived in the same household sometime around XXXX. 

It just came to my attention that on XX/XX/XXXX the individual set up a 5 year contract with XXXX for a home alarm account with both of our names as the account holders ( maybe for co-sign purposes? ). This location of the residence where this alarm account was opened is on the opposite side of the country. 

The individual made payments for 1 year and 8 months before the account went delinquent. The account then went to collections a little while later, and landed in the hands of the debt collector named Perfection Collection around XX/XX/XXXX. 

When I was contacted by the debt collector, I let them know that I did not set up this account, nor have I ever lived in the state it was setup in, nor on that side of the United States. I let them know that the individual 's name on the account was a previous roommate, and that he must've stolen my identity 15+ years ago. 

They responded to my deny of the account by saying they already talked to the other individual and he said that I stole his information to setup the account, and then implied that they are only looking for repayment, not looking to get me in trouble for setting up the account under his name ; which isn't even true in the first place. 

I continued to get harassing calls for payment. When I asked how to fix the problem, they did not provide any assistance ; their only interest was to get repayment for the account, and did not take into consideration that the account was fraudulently setup in my name. 

I had to make several calls to get info on how to take this off my credit report, because they were not helping. When I finally reached someone, they were hesitant to give me the information about the account, as well as hesitant about telling me steps I need to get it resolved. 

I filed a police report with my local police, and found more information on steps to take from IdentityTheft.gov on my own ; however, when I call them now they no longer answer the phone, nor do they return my voicemails. 

The delinquent account is still on my credit report, and seems as though they are only wanting to work with me if I were to just pay it off this fraudulent account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hard inquiry to credit report unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX please remove the following account they are not accurate : XXXX/XXXX # XXXX****, XXXX XXXX # XXXX****,  XXXX/XXXX # XXXX****, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

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 2019-03-12 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " zero '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP

Complaint narrative:
My name is XXXX XXXX. I have a US Bank Reliacard that XXXX pays child support into. I was sent a new card at the beginning of XXXX but the card wouldn't activate. The system kept stating that the 3 digit security code was incorrect. After many calls they decided to send me a new card that I waited over 4 weeks for. The new card is stating the same issue, I'm not getting any help with it this time. The agents are very nice trying to help me but the supervisors are either telling me to do the same thing I've been doing or just leaving me on hold when an agent tries to escalate. I have spent over a 140 euro in phone calls trying to get this card activated ( I moved my kids to XXXX when I got divorced ). Can someone please help me, I'm falling behind in rent and am so frustrated.

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 2019-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hard inquiry on credit report unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: KY

Complaint narrative:
on XX/XX/XXXX, my salary was garnished for XXXX for defaulting on student loans. I called immediately and made arrangements to rehabilitate loan. Moreover, on XX/XX/XXXX, I was told I would in 7-10 business days I would receive a refund. As of XX/XX/XXXX, I have not received anything. I was also told I would be receiving documentation explaining my rights with 7-10 days, have not received. Moreover, there was an issues processing payment and I could not reach any anyone at collection agency by phone. My payroll XXXX even tried to reach out and couldn't get thru. I need to have payment set up so I don't receive another garnishment. How can I make payment if they wont accept my call. Can someone please help. I will lose my job and apartment if I am garnished next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/2018 I had a taxi ride from XXXX airport to my home and was charged two times for one ride. There are two charges for exactly {$39.00} from XXXX XXXX XXXX on XX/XX/18. 

When I called XXXX XXXX XXXXXXXX Master Card I was told I can not dispute a bad charge once it is past 100 days old. They were able to confirm seeing the two identical charges the same day from the taxi company yet they refused to dispute the charge and asked me to call the cab company. 

I called the cab company, XXXX XXXX XXXX XXXX and they said they have no records from last year and instructed me to call XXXX who handles their billing. I called XXXX XXXX and they also confirmed they see the double charge, but could not help due to the amount of time that had passed. 

I have attached a copy of the credit card bill which shows the two {$39.00} charges from XX/XX/18. ( There is also a {$39.00} charge from XX/XX/XXXX but nothing wrong with that ) Best wishes, XXXX 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 monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX has falsified information on my Real Estate Tax payments.I paid my taxes in person on the due date of XX/XX/2019.I sent them a copy of my receipt.They have not changed their records & they are saying I am in default.They have said the same thing about my homeowners insurance.I have paid it & sent them proof & a copy of policy.They also said I have not paid my condo maintainence.I paid it when it was due.I believe they are trying to create a default situation so they can forclose.I am being harassed.I have received many letters from them & have replied by either faxing or e-mailing info to them.I suspect this is a national problem with many more seniors like myself facing this problem with them.Please help me resolve this Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I disputed the account initially before hitting my credit report. 
The company ignored my request. 
I have court documentation and I have supplied the company after they failed to do their own investigation. 
I would like this debt removed until they have concluded the investigation.

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 2019-03-12 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: WA

Complaint narrative:
XX/XX/2012 a 30 day late XXXX XXXX XXXX was reported to my Credit Report do to an error on the part of XXXX XXXX XXXX XXXX. The Electric Bill was initially paid thru The XXXX   XXXX XXXX XXXX then turned over to me. The mail was not delivered to my Apartment by the complex 's front office until a payment was missed. I have contacted XXXX XXXX XXXX in XXXX XXXX were I was told to contact XXXX XXXX XXXX were they informed me that they no longer report to the credit bureaus on Payment History. At the point at which I received my billing statements, I made all payments properly and on time. This issue was do to an error not of my own and is not a representation on my commitment to maintain my personal credit.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company has offered me promotions to pay off my card and get it back since I was on XXXX leave. No matter how much I pay they refuse to unrestrict card and will continue to start promotion over. I asked my complaint be forward to the corporate office bo response they keep blaming on the system. I want the notes reread and the calls pulled. They are lying just keep adding extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " XXXX '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " zero '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.

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 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This debt was completely unknown before commonwealth financial systems reporting it to all three credit reporting bureaus. I received no prior notice of debt owed to them. I never entered into any written contract with commonwealth financial systems. After disputing it, requesting verification and validation, reporting them to the consumer financial protection bureau, and to the XXXX XXXX XXXX, the debt was removed from my credit report numerous times, then placed back on again every week as a new debt. I received notification from their offices through the XXXX XXXX XXXX showing proof that they agreed to cease all collection efforts and no longer service the alleged account. After I replied to the XXXX XXXX XXXX that I was satisfied with their response ( on XX/XX/2019 ), they flagged my credit report with the collection AGAIN on XX/XX/2019. 

This company is harassing and negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is complaint number 2 about the same issue and how they handled it. BBVA Compass bank reorders transactions to charge multiple fees on one overdraft. I was charged FIVE overdraft fees for one legitimate overdraft and I have screenshots of the original order because I suspected this would happen. The rest were pending transactions where the money had already been removed from the account and therefore not an overdraft. I am so absolutely disgusted with this bank they need to be investigated and closed. I now can not even afford to buy food once again thanks to their business practices. Customer service 's only response is the " fees are valid '' no matter who you talk to. They are trained to NEVER refund fees according to ex employees. Last time they did this I filed a complaint and the fees were reversed, this time they stalled the investigation process for 60 days and they're once again telling me the fees are valid even with the CFPB complaint and the previous fees were refunded as a " courtesy ''. A courtesy for stealing your customers money to begin with??? Why is this bank still allowed to do this when all the others were forced to stop? It's a trick every bank used to use. Please stop them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I was called today by a person claiming to be from this bank! There is no reason for notbwriting to me! I consider this telephone call an annoyance at best and harassment at worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Today, XX/XX//19, I had called PayPal customer service to attempt a transfer of {$1500.00} that was sent to me by my daughter to my PayPal account. They stated that I couldn't do anything until I verified my account. They instructed me to purchase a XXXX XXXX card in the amount of {$100.00} and I would be verified by doing the registration process and the money would immediately be transferred. After I stated that I was broke and did not have {$100.00} they then instructed me to call my bank and ask for a {$50.00} overdraft for medical emergencies. If the bank would do so, and they were convinced they would, then they would accept a XXXX XXXX card in the amount of {$50.00} instead. I did manage a couple phone numbers to contact them. 
XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: GA

Complaint narrative:
Equifax has continued to refuse to block fraudulent accounts from effecting my credit score, while the bank has complied, equifax continues to fail to correct and is currently damaging my credit. At this point, I have to consider that Equifax may be doing this intentionaly due to repetition of this event.

Company response to consumer: Closed with explanation