vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS XXXX, BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : XXXX   XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY XXXX # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?

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 2020-07-23 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: NJ

Complaint narrative:
Since XXXX of 2020 I have had repeated problems accessing my credit report. I received an email again today indicating I could access an updated version of my credit report but the link sends me to a login tht if successful lands you to a page that does nothing but list options that no matter how manhy times you click those options you go no where. Experian is trying to steerpeople to use cell phones only to access their data which does not enable you to download a copy of your report much less easily file a dispute about an error on you report. This needs to be corrected ASAP. thank you.

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 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 58 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days. I have filed a previous complaint but they fixed nothing. Instead, they stated on the followup that the investigation process takes up to 30 days, yet they have failed to do so. I have not received any response from Trans Union in the mail.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I paid my credit card account in full On XX/XX/XXXX or XXXX way before the due date and Capital One still charged my a interest fee with a XXXX  balance account and I dont see where the reported my account to XXXX  and the representative could not give me a clear understanding on why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: AZ

Complaint narrative:
I have applied for a company called XXXX and was offered a job, contingent on the results of a background check. I then agreed to said background check and have been waiting for the results. I got them today and there is a lot of information on it that is incorrect, belongs to someone else, or is not even my name. I want the background check corrected, and I want the employer to know that there was an error from the party they have doing their checks. 

I am no angel, and some of the information on the report is in fact mine, however, I have passed checks before with this on my record for the same line of work. Charges from XXXX, XXXX, XXXX, XXXX, and any from XXXX  are mine and I do take responsibility. However that is not all that is listed. 

First off, I am NOT a XXXX XXXX This report has me as a XXXX XXXX out of XXXX. Second, I DO NOT know who XXXX XXXX is, nor do I think his background should be included with my report at all. Third, I am going to lose the opportunity to work for this company because of the errors that this service provider has so graciously given them a background report with false information- that is very sensitive to the role I applied for. I have never had to file a complaint for a background check before, but this company, Sterling, has done a BANG UP job of the work they are paid to do. Not only that, but the information that they verified my education with, came from me. They emailed me asking for verification of the education. Correct me if I am wrong, but that is the job that they are hired to do! Verify the background of the individuals that XXXX has asked them to, and I am pretty sure that verification is not simply asking the potential employee if this is accurate. I will include the background report and I would be happy to provide anything else that may be needed. 

Thank you for your time, 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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
my name is XXXX. I have a checking account and credit card at Wells Fargo bank. It was the end of the month, and I was about to make a payment to pay off my Wells Fargo credit card. When I signed in, I saw that my checking account was extremely low, and i was not sure why. I checked to see why. I saw that there was a transaction that was NOT authorized by me. the transaction amount was XXXX dollars. it was a bill pay for a XXXX account. the transaction is described as " Bill Pay XXXX XXXX   Services on-Line XXXX on XXXX '' .I do NOT have a XXXX  account. I freaked out, because I never made that transaction, so I made a call immediately to the fraud department. They said that they will do an investigation. Wells Fargo sent a message in the mail saying that your claim has been denied, because they were unable to reach me. I went to the local Wells Fargo, and I found out that the phone numbers that were on file were not mine. they re-opened the investigation, and they said " our research of the transaction shows that it was requested through a secure online banking session using your username and password ". The employee that works in the fraud department told us to try and contact XXXX  to see if they can help you identify the person. We contacted them, and they refused to give us any information, because we do not have an account with them. we went back to the Wells Fargo bank to try and get the phone numbers that was on my account that wasn't mine. They also refused to give us the numbers. Every time we tried to solve the issue, they refused to help us, so they closed the case, and they did not want to re-open the claim. I really need this money. I worked extremely hard for it, and I got nothing out of it. I have a son that needs to go to college, and he needs some of the money.

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 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?

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 2020-07-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to apply for the hardship program with Chase United Mileage Plus Visa on XX/XX/2020 since I just lost my job during the virus epidemic. I first spoke to a gentleman in Accounts Management, and was applying when I was cut-off. I failed to get his name and ID number, and I found this strange since the cell bars on my mobile was functioning. 

I called back, and spoke to XXXX ( ID : XXXX ) in Account Management, and explained my situation. I overheard her talking to the gentleman that I spoke to previously, and he was giving her coaching tips when she said - without getting my information on expenses and etc., - that I did not qualify for the hardship program, and that I should contact a 3rd-party credit counseling agency. 

I asked if the 3rd party credit counseling agency was associated with Chase, and she said no. I then asked why would I deal with another company, when my debt is with the company I was calling on at the present. She offered to transfer me to her supervisor. Her name and ID number is : XXXX ID number : XXXX. 

XXXX said I could not apply to the hardship program since I didn't know what my income would be going forward. I told her how could I have an idea when I was just laid off? My debt with the company is about {$34000.00}. I said that I needed to be on a payment plan or liquidation plan and would look for temporary work to make the payment to pay my debt with Chase. 

XXXX was not helpful, and would not allow me to apply for the hardship program since I just lost my job. Yet, I am willing to pay a monthly amount to decrease the debt. 

I can only think that Chase is doing this on purpose to keep the interest rate high. What company declines a person willing to negotiate and pay his debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America sent a bill to my address in XXXX for maintenance fees in the amount of XXXX. I called BOA fraud department to let them know, I do not have a BOA account. She said it was open at a branch. I told her, I live in Idaho and we do not have any BOA locations to go into a branch. This account is Fraud. I received another bill in XXXX and in XXXX. I called in to file fraud. The rep said the account was forced closed. I said it was fraud it needs to be closed as fraud not forced closed. This will impact any banking credit checks. I asked for details when, where and location and if any money flowed through the account. I wanted to report this to Dept of Finance and Attorney General and all other agencies. I was transferred 5 times and the only answer I received is : Open : XX/XX/2019 Email : is XXXX I do not have an XXXX email and no one was able to provide branch location, city or state. 
I can not get any help from BOA to close the account and fraud and remove the account out of my name.

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 2020-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from Capital One that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX   reporting as Paid or paid as agreed XXXX reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by Capital One. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA took a payment that I made 20 days before it was due and applied too much of the money towards the interest rate opposed to the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
I am being charged an inaccurate amount of {$4400.00} to my Experian credit report. I have disputed this account several times and they will not remove it. I am being charged 2 extra months of rent and other fees by the creditor called XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX The creditor has already been deleted from my XXXX and my XXXX Credit report. The creditor is wrongfully charging me an amount of money that I do not owe. They are lying saying that I have broke my lease when I did not break my lease. My lease was up on XXXX XXXX. I did not move out until my lease was over. There is no proof that I broke my lease. I still had belongings in my apartment and was still living there and had the keys.The creditor just keeps showing a receipt that they made up saying that we owe an amount that we do not owe. I need this removed off of my Experian credit report. I will not pay for something I do not owe.I have disputed this several times with Experian and they will not remove this off of my Experian credit report. I am being lied on by the creditor and they have no proof of me breaking my lease, and this has been removed from the other two credit bureaus which are XXXX and XXXX. So Experian needs to remove this from my credit report like the other 2 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation