vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( Experian & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( Experian & XXXX  ) Identity Theft Account : XXXX XXXX XXXX  ( Experian & XXXX ) Inquiries : XXXX XXXX XXXX ( 2 Times )XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), 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 non-monetary relief
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I called today XX/XX/2019 in reference to a dispute file # XXXX that was dated XX/XX/2019. After talking with a rep that didn't understand what I was requesting I asked for a supervisor. After the supervisor XXXX came on the phone I explained that I am requesting a Method of Verification letter referencing the file number stated above to be sent to me as per my right under the FCRA. He stated that there was nothing they could send out. I continued to explain that I have a right to that information and he stood firm in there was nothing to send me. Their ignorance of the law or just outright unwillingness is unprofessional, unacceptable and a violation of my rights.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2019-02-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a XXXX XXXX XXXX. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX  Card ) as an authorized user. She called and did so. I used the card until XX/XX/XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently disputed with Equifax about some accounts on my credit report. I sent them a certified letter that was signed and recieved on XX/XX/2019. 
I then recieved the results to the investigation that is dated XX/XX/2019. 
But I never recieved an updated credit report from Equifax to further examine the changes. It has been a great problem to not get the information that I am allowed to have after the first dispute to follow up with my second dispute, although it is currently in progress without the cooperation of Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.

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 2019-02-26 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:
For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX  for {$180.00} These do not belong to me, have the bureaus take them off please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.

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 2019-02-26 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:
In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 
She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has charged me over {$150.00} on overdraft fees when the cause the overdraft by reversing a credit that they have given me : Ref : XX/XX/19 for  {$120.00}. After giving me the credit, Wells Fargo again snatched back out of my account without warning - no heads-up no let just took my money and gave it to their merchant who was one of their banking clients. Just today, Wells Fargo charged me an overdraft fee of {$35.00} for a purchase I am unaware of : Posted Transactions XX/XX/19 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX {$35.00}. 

This is blatantly unfair that wells fargo do not have balanced their books properly or fail to do so ... .telling me that I have X number of dollars available and then sock me with an overdraft fee. The last four numbers of my non-profit business account Account number XXXX. Wells Fargo has unlawfully paid wrongly merchant approximately {$2000.00} over the last 2 years from my account. Please do your job and stop this thief bank from stealing money from 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 monetary relief
Consumer complaint received 2019-02-26 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 check my Experian credit report on a monthly basis and it appears that in XXXX XXXX, a company ( XXXX XXXX XXXX ) that I am not familiar with added an erroneous, negative collection account against me. On the Experian report, the Account Open date is listed as XXXX XXXX however I have Experian reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and none of these reports list this account. Furthermore, the account status states that " Account in dispute-reported by subscriber, Account information disputed by consumer under the Fair Credit Reporting Act '' which was updated on XXXX XXXX, XXXX however I had no knowledge this account even existed at that time to even initiate a dispute. So it appears that Experian is not actually investigating the validity of accounts that are being added to a consumer 's report. 

How is it possible for this company to initiate a dispute on my behalf? Experian has no record of me initiating a dispute regarding this account so how was it returned as Verified. Furthermore, I have not received any correspondence ( calls/emails/ letters ) from Experian oXXXX XXXX XXXX XXXX containing any information that was provided. I would like for Experian to hold this company XXXX XXXX XXXX accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because they didnt actually properly verify that this debt truly belongs to 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 2019-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I made a monthly loan payment to PNC bank and the branch manager made my payment into the wrong account ( I assume it was in her own personal account ). I began getting late calls and mail. I contacted PNC and shared my receipt and canceled check and basically they could give a crap. Told me it would take up to 10 days or more to resolve this matter. They arent sure how to handle the late fee, which was assessed due to the branch manager placing my {$1100.00} into the wrong account. They have stolen my money and even though they have the receipt and video on this transaction they tell me its internal and they cant discuss this with me. My payment was made 6 days before the late due date. Im worried about my credit and future payments since they are totally incompetent and are protecting the theif branch manager, XXXX XXXX, XXXX XXXX branch in XXXX Ga.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Social Finance, Inc.
State: IL

Complaint narrative:
I applied as a cosigner in XX/XX/2019 with SOFI to refinance my daughters student loans. I completed the credit application and provided all documentation requested. I was never notified of a credit decision. My daughter was sent an email on XX/XX/XXXX that I was ineligible as a cosigner. I contacted SOFI on XX/XX/XXXX, and was told over the phone that my credit application was WITHDRAWN and an email was sent to me on XX/XX/XXXX, I did not know what WITHDRAWN meant considering i applied for credit and provided all necessary documentation for a credit review and was told that a hard credit pull was completed. I asked to speak to a manager to file a formal complaint based on the fact that I applied for credit regardless I was a cosigner or primary that I completed a credit application and provided any requested supporting documents which included a hard credit pull that I was not formally notified of a decision simply that they could just withdraw my request for credit. My complaint I believe includes several of illegal business practices. I believe if I did not qualify under SOFI 's standards then the application should have been declined, I should have received a formal notification in writing which would allow me to follow up as a consumer. I do not understand how a company can legally pull my credit and then simply Withdraw my application and not provide information to the consumer. I do not understand how the other party involved my daughter the primary applicant received an email that I as the cosigner was ineligible, when I myself as the applicant did not receive proper notice. I believe legally when a consumer applies for credit via a credit application provides all necessary documentation to complete the application the application needs to either be declined or approved and the consumer needs to be formally notified. I do not see how SOFI can legally pull a hard credit pull find a reason not to qualify my request and simply WITHDRAW my application. Tell me that my application is Withdrawn, and email my daughter that I am ineligible and not give me any information on why I failed to meet or what their credit requirements entail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is against Wells Fargo. 

My credit card with Wells Fargo was hacked and {$7000.00} of fraudulent charges were made on it starting in XXXX of 2018. The established pattern of banking consisted of 2-3 transactions per month, simply transferring funds from the credit card to my checking account in large dollar amounts ; typically {$2000.00} to {$3000.00} at a time ; as I managed cash flow. This pattern was in process for approximately 12 months. When the account was hacked, there were suddenly dozens of transactions per day in small dollar amounts made to XXXX and XXXX accounts. 

Wells Fargo failed to notice the unusual account activity and when I discovered the problem and brought it to the attention of their fraud department, they took no responsibility for the problem and refused to reimburse me for the stolen funds. They stated in a letter that since I had paid my bill, that I automatically accept all charges made on the account. This is unacceptable negligence and the poorest customer care I can imagine.

My complaints are the following : 1. Wells Fargo does not seem to have an effective system in place to detect unusual account activity or bank fraud.

2. Wells Fargo does not bear responsibility for failing to secure their customers bank accounts when they are compromised.

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 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: NV

Complaint narrative:
company continues to call several times a day starting from XX/XX/2018 at least 5 or 6 times a day Conns Furniture Store

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to collect debt and I am requesting to have this removed from my credit report. In addition, they were unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
My complaint is regarding the rewards program with XXXX 's XXXX Master Card issued by Synchrony Bank. I have been a customer for approximately 15 years and my rewards check has always been issued on XX/XX/XXXX each year. This year a couple of weeks prior to this, I received a letter stating that : " For your convenience, starting in XXXX, the XXXX XXXX XXXX Mastercard Cash Back Rewards you earned in XXXX will be automatically loaded onto your XXXX XXXX XXXX membership. We will no longer issue you a check. Look for the blue envelope with your Rewards Notification Letter to confirm when your Cash Back Rewards are loaded. Once loaded, you can redeem them at any U.S. or Puerto Rico XXXX XXXX XXXX. '' I waited for the " blue envelope '' delivered in my mail on XX/XX/XXXX. I went to my local XXXX XXXX XXXX and attempted to redeem my points and was told by the customer service agent at the store that the points amount had not been loaded onto my card yet. They called customer service at Synchrony Bank and we were told it could take up to 10 days for the amount to be loaded onto my card and to check back on the XXXX or XXXX. 

I returned to the store on the XXXX to find that the points amount had still not been loaded so we called customer service at Synchrony Bank again and was then told that there was a " glitch '' in the system and some customers funds had not been loaded and I should check back with them in about 14 days from the date of issue of my letter. 

I called again on the XXXX, exactly 14 days after the date of the letter and now they tell me to just keep checking because they don't know when the " glitch '' will be fixed. 

I phoned again today XX/XX/XXXX and was told that the funds are still not loaded to my card and again they tell me to just keep checking. Not that it should matter how big or small, but my reward amount is over {$1400.00}. I asked them if they would be paying me interest ( 25 % ) on my money that they can't seem to release, because this is what they would be charging me on an unpaid balance. I also asked them if they could simply send me the check in the mail as in years past, but they said no they could not do that. 

Surely I am not the only customer this is happening to and I don't care how they resolve it, I just want a resolution soon. Can you please help 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 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This company has my cell phone number, email, and physical address but they keep calling my work line every single day after i've asked them not to call my job

Company response to consumer: Closed with non-monetary relief