vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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:
I am completely dissatisfied with these companies called XXXX XXXX XXXX XXXX and Experian. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!

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 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
My most recent call to Personify Financial was, Monday, XX/XX/2020 @ XXXX XXXX. PST. I asked the representative, why after paying {$3300.00} in current payments, why was there no payments applied to the principle amount of the loan? The representative, stated that although, my original loan amount was only {$2600.00}, it showed that my total payments of {$3300.00}, went toward only the interest of the loan and as of Monday, XX/XX/2020, I balance is {$2700.00} at an interest rate of 154.81 % and no payments applied to the principle amount of the loan. 
I asked, if, they could work with me to lower the interest rate, on Monday, XX/XX/2020. 
and in XX/XX/2020 at XXXX XXXX  and at both times, I was refused and declined any other assistants on my loan. If, I pay this loan off as it stays, I would have paid a total of {$3300.00} + {$2700.00} = Total of {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
FTC Violations XXXXXXXX XXXX  {$1300.00} XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - 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 2020-07-06 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:
FTC Violations XXXX XXXX {$1300.00} XXXX-XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries -  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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I am trying to connect my checking account to a grant program for my small business. It is for the Pennsylvania Small Business Relief Fund. PNC is preventing this connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-07-06 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to log into my Fifth Third Bank online banking application but was unable to stating it didn't recognize my credentials. To troubleshoot I followed the steps using the Forgot Username option and was able to log in after getting a code sent to my phone and using my original password. The steps to login using the temp passcode told me that after logging in I would be able to see my username in the settings. Upon checking the settings the username was one that I have never used and would not use due to its easily identifiable nature. 

I attempted to change it back to my previous username after verifying all my other information was correct but got an error stating the username was already in use. I called their help line and after 45+ mins they told me I would just have to choose a new username even though they verified the username I was trying to change it to was my previous username and was not being used anywhere else in their system. 

During the 45 minute call they stated my username had been changed on XX/XX/XXXX but they could not see by whom. They asked me multiple times if I had changed it and I explained I had not. 

I am unsatisfied because they stated they had cleared out the username so I could use the one I previously used for login but when their steps to change it did not work they basically told me too bad, choose a new one. 

My issue other then not being able to use my previous username that I did not change, is that they clearly have no controls over managing security information for clients. They were not able to identify whom made changes, why their steps to correct were not working even though the help line says they could confirm no one was using my username other then me previously, they could follow the steps I as doing in real time following their prescribed process to correct the username.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2020. I had an unauthorized transaction with Paypal. I disputed the amount, but Paypal came back saying it was legit. This transaction was not legit. I then appealed the case with Paypal. I was not able to contact Paypal by phone due to the covid 19 pandemic. During the appeal process, I was told by a chat representative my police report was used for the appeal. A couple of days after, another chat representative stated the police report was not used. I mailed out a dispute letter along with my police report for identity theft on XX/XX/2020. Since then, I have not heard anything from Paypal regarding the case. The transaction was not authorized by me, although Paypal continues to ignore my requests. I have attached the transaction, dispute letter which I never got a reply to, and my police report regarding the fraud transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received an email notification that a my checking account card had been charged two separate transactions by XXXX XXXX on the XX/XX/2020. One transaction came to {$47.00} and the second transaction for {$31.00}. I notified my bank on the same day and subsequently cancelled my checking card and was notified I would be refunded. 

Several days later I was refunded. 

Some weeks later I was written to by my bank and notified the claim had been denied and that the two sums totaling {$79.00} would be charged back to my account which occurred in the first week of XXXX. 

I called my local branch to complain about this and scheduled an appointment to speak with a banking representative in person. The representative told me this transaction was in New York and expressed surprise the claim had been denied and said he would reopen it. 

I have now been notified my claim has been denied for a second time with the following reason cited. " There is proof from the merchant that the transaction was valid ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I would like help disputing two charges on my Bank of America account. The charges were placed on XX/XX/2019 one for {$4400.00} and the second for {$4400.00} by a company by the name of XXXX XXXX, XXXX aka XXXX. I now realize this was not a legitimate business opportunity and what they sold me was much different then what I have received. They have not provided the services as described. I have paid several companies on other cards and have attempted to obtain refunds to no avail I have been told that I am out of the cancellation period and there are no refunds. How can this be? These companies have taken advantage of me. They have charged me close to {$30000.00} and I am supposed to accept their policy when they have scammed me? I would like Bank of America to see that these charges are immediately refunded to me, this company has failed to perform.

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 2020-07-06 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}

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 2020-07-06 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}

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 2020-07-06 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: IL

Complaint narrative:
I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but XXXX and transunion refuse to correct the issue. XXXX keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but XXXX kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen XXXX times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is 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 2020-07-06 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: KS

Complaint narrative:
Experian as well as XXXX have repeatedly refused to investigate and remove an account for on my Experian Credit report listed as XXXX since XX/XX/2016 that was due to Identity theft. The only update they have done is incorrectly listed the account as Discharged in Bankruptcy. I have provided the attached ID Theft affidavit multiple times to Experian and they have failed to properly investigate each and every time and have failed to remove the account from my report as required by federal law.

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 2020-07-06 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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX   XXXX {$48.00} XXXX XXXX {$960.00} XXXX   XXXX {$1400.00} XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}

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 2020-07-06 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified Adjustments is the debt collector and they added an exorbitant amount to my credit reports even after I sent a certified letter to them requesting validation. This debt collector added the debt to my account without allowing me time to dispute the items. I was in the middle of trying to apply for a home loan because I am homeless and they ruined my credit score. They initially put the item on XXXX. After I sent them a letter they put it on my XXXX report as well. Diversified Adjustments also sent an email to my work address indicating per my request, which I requested a letter be mailed to my Post Office Box. When the request for validation came through they did not follow policy in the timeline set forth by the Fair Debt Collection Practices Act and I did not receive the actual contract only a bill ; the other added issue is that they sent an email to my employee email address. The cancellation of the contract by XXXX cancelled any permissions previously given. XXXX XXXX and Diversified adjustment certainly did not have permission to contact me via my employer business email, which could cause me to be terminated because of the nature of my job. I provided my PO Box to them via certified mail. 

XXXX also charged every card that I ever had on file without permission, in attempt to collect a debt I do not believe I owe. They also attempted to charge my mother 's credit card and she received a fraud alert. I also received many fraud alerts. XXXX also added without my permission another account to this account. I also spoke with the reps. at length and discussed that XXXX of their reps. in Texas added another phone to my account without first asking me. My deaf daughter went into a store in Texas and they attempted to contact me but was not successful and they still added the account in my name instead of using my daughters or her fianc. They did not explain to my daughter and her fianc, the cost of the phone or the fees they would have to pay. My daughter and her fianc are deaf and they use XXXX XXXX XXXX to communicate. I also told the XXXX XXXX that the phones were severely damaged and/or lost. They were very insensitive to those set of facts and are still trying to charge me for lost or damaged phones which we can't locate without the phones being turned on and connected to XXXX per the XXXX representative I spoke with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation