vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had too many attempts at logging into my Experian account. The website gave me a number to call to address this. I called, and was put through a series of prompts, finally to have a voice recording advise me to use the website to access my account, then hung up. No option to speak with a live agent, and certainly no assistance with my problem. I have sent several emails with customer service only to receive a form letter email instructing me to use the website to access my account. Back to the original issue, with no resolution.

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC will not allow connections to other accounts. I have not given permission to be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
United community bank allows my wife without my permission to pay a debt ( which they hold ) They will not allow my wife to withdraw money from the same account because they say its illegal for them to do that When she lays the loan they told her the wrong amount And proceed to charge me {$20.00} late fee every time the transaction is made It is a very sneaky tactic and the very least I want is the late fees to be removed

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express has been attempting to contact my father-in-law regarding the debt I previously incurred at his home and cell telephone numbers. They have made three attempts over the previous two days, on XX/XX/20 and XX/XX/20. Not only is this a breach of the Fair Debt Collection Practices Act ( FDCPA ) as they called him more than once in an attempt to locate me given that you already had working contact details for myself, but they also are in breach of the Telephone Consumer Protection Act ( TCPA ) for using a robocaller in order to attempt to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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:
My name is XXXX XXXX and I am submitting this complaint myself. You sent me a response saying, " but it didnt appear to have been communicated by you or a properly authorized third party. '' That is not TRUE, I am submitting this complaint myself. I have gotten information on how to do this online, when I sent things to the bureaus some of them are telling me to do a complaint with you online with the CFPB. 

I did this complaint myself. 

The following : XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, {$1200.00}. 
XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX , # XXXX, XX/XX/XXXX, {$460.00}. 

These are not mine, they may belong to someone with my name or opened via fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement as the account was frauduelantly opened. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: AR

Complaint narrative:
Please send validation of how did you go by verifying the accuracy of these incorrect items on my report and send proof.

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 2020-05-22 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : WELLS FARGO DEALER SVC XXXX, XX/XX/ 2019 2019

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was scammed for a puppy on XX/XX/XXXX. I pod a deposit for the puppy and then the seller wanted the rest of the money and thats when I knew something was up. They seemed legit until that point. I paid {$350.00} through XXXX with 5/3. 5/3 stated that since I authorized the transaction that I will not be able to receive my money back, which I understand but figured there should still be more that can be done. I have photos for proof of the conversation. Just really want some money back if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I do not think that NAVIENT completely understands the importance of reporting the account accurately. After submitting my dispute for this account same information was provided and it seems that nothing was reinvestigated. The credit has a different report for payment history that varies to the credit bureaus. NAVIENT has been very inconsistent and irresponsible on reporting this account. I attached my specific dispute from this creditor. Please report this account with 100 % accuracy that is important to reflect my true credit score. 

I do not want any invalid, missing, and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: OK

Complaint narrative:
AmeriDebt continues to call at all hours although I'm on DO NOT Call. When I block them they change their number. I'm elderly & can't easily get to the phone. These people ( " XXXX '' ) are ruthless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
1 ) XXXX XXXX XXXX XXXX in XXXX XXXX approved me for a mortgage in midXXXX They appointed XXXX XXXX XXXX to handle the closing and payoff to Sterling National Bank 2 ) XXXX 's attorney XXXX XXXX XXXX contacted Sterling ''  s attorneys XXXX, XXXX, XXXX XXXX in XXXX XXXX  XXXX to set up a closing date. Sterling 's attorneys need to bring Stock Certiificate and Original Lease to closing. ( Sterling is currently holding those documents to secure its mortgage. ) 3 )  Despite numerous requests over the last month, Sterling 's attorneys have failed to respond to XXXX attorney 's request for documents and a closing date. 

4 ) I am worried that XXXX will revoke its offer if no closing date occurs soon, In addition. I have already paid them over {$1000.00} dollars to get their mortgage. In addition. I am still stick with Sterling 's much higher interest rate costing me an additional $ 400-500 per month in interest. Closings and payoffs are routine business in real estate, and I wish to go ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NJ

Complaint narrative:
Credit Card not monitored by your agency. I have a decrease of <70 on my Fico Score. 
Please review :. All other monitoring system have updated there systems to include XXXX XXXX XXXX credit Card which has vanished from your system. 
XXXX XXXX Member ID 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 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IL

Complaint narrative:
XX/XX/20 spent 2 hours this morning trying to log in to my account and cant. Discover does not know why. XXXX supv. XXXX XXXX XXXX Utah has me holding but us not fixing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
this debt is inaccurate incomplete unverifiable. does not have my signature and does not have correct social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Representative released information about account of mine that was sent to collections. I had not spoken with this company and was not aware was in collections. They called my husband 's number and released information without verifying his name or who he was and the account was only in my name. Per the FDCPA this is third party disclosure and I will be contacting an attorney. Call was received on XX/XX/2020 on phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: NY

Complaint narrative:
XXXX is order # from best buy for {$580.00}. Item was not sent by merchant and XXXX at Citibank refused to dispute the charge. Customer spent two hours plus trying to resolve dispute with BestBuy and Citibank to no avail. They failed to send item and yet I'm still being charged. Totally disgusting. Item purchased on XX/XX/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 2020-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've spoken to Transunion several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX  that the Transunion claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is Transunion 's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on 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 2020-05-22 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: TX

Complaint narrative:
FAIR DEBT VIOLATIONS AND FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TX

Complaint narrative:
FAIR DEBT VIOLATIONS AND FTC

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 2020-05-22 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: TX

Complaint narrative:
FAIR DEBT VIOLATIONS AND FTC

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 2020-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-22 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: TX

Complaint narrative:
XXXX XXXX XXXX  {$630.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$630.00} High Balance {$630.00} Remarks Medical Consumer disputes after resolution XXXX XXXX XXXX {$370.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$370.00} High Balance {$370.00} Remarks Consumer disputes this account information Medical XXXX XXXX  {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Consumer disputes this account information Last Reported XX/XX/XXXX Creditor Name XXXX  Account Type Rental Agreement Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 36 Months Monthly Payment {$0.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-offXX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 49 Months Monthly Payment {$420.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status 30-59 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$440.00} High Balance {$330.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$220.00} Remarks Placed for collectionAccount Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation