vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion to have 2 accounts pay status corrected or removed. The accounts : XXXX XXXX XXXX #  XXXX with pay status being ( account included in Bankruptcy, Chapter XXXX ). Transunion provided a document saying after their investigation the record was updated to Chapter XXXX Bankruptcy and date closed was XX/XX/XXXX. First this account was never in a bankruptcy XXXX or XXXX. And the account was sold to another lender XXXX XXXX on XXXX/XXXX/XXXX. This would not match the account being in bankruptcy which they show would come off my report in XX/XX/XXXX which is 7 years so that would be before the date it is sold to another lender. There is no proof of the bankruptcy by reference or number and the dates are inaccurate. 

The XXXX record on my Transunion report have multiple inaccuracies. The report states that the account : XXXX # XXXX with a pay status being ( account included in bankruptcy Chapter XXXX ) Transunion states that upon investigation that the information was verified as accurate. All the dates for this record are incorrect. First the open and close date is incorrect. The record also states that the last payment was made in XX/XX/XXXX which is incorrect. The date closed XX/XX/XXXX is that the date the bankruptcy that there is no proof of even on their credit report was filed and if so why is the estimated date of removal of this record XX/XX/XXXX which would not be 7 years from any of the dates listed on the record? 



The FCRA sections XXXX all reference the details of the accuracy of Credit records and what has to be accurate and the procedure for removal of the records that are inaccurate. These records meet all the criteria and have remained on my credit record causing financial and emotional harm concerning my credit and ability to pursue credit. 

I at the least would want the inaccurate items removed and have considered additional legal action. 

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 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: AR

Complaint narrative:
Had an account opened in 2008 with US Bank. Overdraft that same year. Now these people keep calling different " law firms " saying the bank is suing. When I called the bank they had no idea of what I was talking about. One number these people keep calling from is XXXX. I don't have the other number.

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 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX XXXX I applied with Wells Fargo for a loan modification, I was denied each time. I went to a local group, XXXX XXXX XXXX who advocated for me to get a loan modification that was approved in late XXXX or early XXXX. I have consistently made my payments on time. In XXXX I was advised by someone to call Wells Fargo to see if I could lock in at my current interest rate of 2 %. I called and spoke at length with a representative that said that I could and she would be happy to assist me with this. I always had problems tracking my account and payments on the Wells Fargo website and she said it was no problem, that she would be happy to send me my mortgage monthly payment amount for the life of the loan, I wanted to get this in writing because of all the problems I have had both current and in the past with this lender. I was shocked when I received notification in late XXXX that beginning in XXXX of XXXX my locked in interest rate of 2 % would be going up to 3 %. I immediately called Wells Fargo and after extensive time on the phone, it was really exhausting, they would get back to me. I forwarded to them the document that promised a 2 % loan rate for the life of the loan, excluding insurance and tax increases. I received a very pompous telephone message from a XXXX XXXX, who was so unprofessional with his snide remarks over the telephone message that the document was not going to be honored. I will attach them when I can within this complaint.

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 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I applied for an auto loan from XXXX to purchase a XXXX vehicle. The credit was denied due to a credit freeze on my Experian Credit Account. I had placed the freeze in XXXX after becoming a victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX I tried to remove the credit by both phone and online. I was instructed each time to write a letter to remove the freeze. I wrote the letter and received confirmation from Experian that the Credit Freeze was lifted on XX/XX/XXXX. I left my fraud alert in place on my Experian account. On XX/XX/XXXX I reapplied for my auto loan and again was denied credit due to a freeze on my Experian account. I contacted Experian and confirmed the credit freeze was removed. I then called XXXX and shared that the credit freeze was not in place that there is a fraud alert and they should receive a phone number to reach me for confirmation of the loan application. XXXX was not able to help. I contacted Experian again and they suggested that XXXX contact Experian and that I wait a few days and reapply. I reapplied on XX/XX/XXXX with the same results. I repeated this process again XX/XX/XXXX and was again denied credit due to a credit freeze on my Experian account. I escalated the issue to an executive account resolution officer ( XXXX ) at XXXX. XXXX called Experian and connected me on a conference call with the Experian representative ( XXXX  ). XXXX verified there is no credit freeze and could not explain why XXXX was not receiving a credit report with fraud alert procedures. XXXX recommended I remove the fraud alert so XXXX could obtain a credit report. This essentially leaves my credit unprotected unless I purchase a credit protection plan form the very company that is providing the information. I was denied the loan and am forced to finance through another bank that does not solely rely on Experian. I asked XXXX at Experian for a supervisor and she refused me stating they would provide the same information as she did.

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 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: WI

Complaint narrative:
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, M & M has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : On XX/XX/2017 Merchant & Medical reports debt owed to credit agencies On XX/XX/2017, I sent a letter requesting that M & M validate the debt within 30 days and if they did not do so to remove the account and stop contacting me. 

On XX/XX/2017, I received communication from MM dated XX/XX/17 restating the debt On XX/XX/2017, I replied with another validation letter which was signed for by M & M on XX/XX/2017 I did not receive another response and on XX/XX/2017 I sent a final letter requesting that the account be removed after M & M failed to comply with my validation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started the claims on XX/XX/2018 for two unauthorized withdrawals from my account worth {$900.00} from my checking account and {$1900.00} from my savings account via a bank of america branch in XXXX  ( I live in XXXX XXXX due to school and was nowhere near XXXX at this time ). 

They told me it would take 60 business days to resolve but was recently told they can not extend past 10 unless they give me provisional credit due to regulation E. Well, their customer service lied to me and they never game me funds. It has been already been 30 business days and they still refuse to give me my funds and there has been no updates to my claim ever since I started it. Bank of America is having their customer service lie to their customers so they can take their time and refuse to give funds.

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 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have did a dispute in XXXX regarding Discover, and they said it wasn't a mistake. I know I was living in a shared residence with other people sharing a mail box that could have got their hands on sensitive information of mine. 

In addition, I feel like I'm a victim of Identity Fraud, I know that I have to get a special number to file with. I would like this off my credit and I'm tired of arguing about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax is showing an account as open when it was paid and it should be marked as closed. They also have a ridiculous security question It is when was the last time you asked for a credit report or when was the last time you filed a dispute with equifax. So i was forced to mail them a letter even though i answered all the other questions correctly and they clearly knew i am who i say i am.so i was forced to put my identity at risk by mailing them a copy of my drivers license and social security number through the mail because i simply didnt know the last time i filed a dispute with them. Anyway i want the account on my credit report to be marked closed as it has been paid or i would like it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Contacted Transunion XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  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 2018-12-28 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: U.S. BANCORP
State: OK

Complaint narrative:
XX/XX/2018, Fidelity Investment risk department flagged my account and froze all securities and revoked my trading etc.. Gave ultimatum which caused me to move most of my securities ( the ones they were willing to accept ) to another firm. 

I have emailed the CEO, FINRA, SEC and the issue still has not been resolved. Per Fidelity they are not required to disclose why my account was flagged by risk management. 

This has resulted in several customer service issues because by Fidelity doing this I have to engage them for simple request and they are not willing to help/leave the matter unresolved due to my account being flagged by their risk department and whatever notes they have documented. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

I have also contacted the Fidelity Investments credit card department and they advised I have to contact, which leads to a run around and my issues not being resolved. The issue is tat I can't have my rewards point redeemed on my Fidelity account, which is they was it's setup by Fidelity by design. Other options to redeem include gift cards etc which are 50 % less. I should not have to take a 50 % rewards redemption loss due to this customer service nightmare has created. Fidelity investment is not following what they advertised and are intetailly making this small issue huge. Please help.

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
A company called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ), attempted to collect an invalid debt from me ( I believe they made a mistake through my insurer XXXX XXXX, but did not attempt to continue collecting the debt after I contacted them and explained this to them ). 

However, later a debt collection agency called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) contacted me attempting to collect this invalid debt. By doing so, they burden me with responding within a limited time frame via certified mail to fix their mistake, a practice which I am sure they realize is time consuming and likely leads to errors they can take advantage of. Attempting to collect obviously invalid debt, either through malice or ignorance, should not be tolerated. I have sent a certified letter to the company ( included below ), explaining this issue, but by reading online found both companies involved appeared to repeatedly engage in this type of malicious behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account with Citibank. The promotional bonus was for opening a new Checking and savings account with {$15000.00} and I would receive a bonus of {$400.00}. I waited the 60 days then another 90 days for the funds to be credited to my account. I followed all the rules and regulations. I was told the extra 90 days was over on XX/XX/2018. Then I was told they did not know why I did not receive a bonus yet and that they would check. They then told me over the phone and over their online chat support that I would receive it on the XXXX then the XXXX of XXXX. On the XXXX and the XXXX of XXXX a representative told me they would put in an inquiry into what happened with the promotions department. I called on the XXXX and the rep told me she did not know why it was taking so long and that she could not give me an explanation. I have called about 10 times or more and can not get this resolved. I do not know why they are doing this and fear it might be some type of discrimination. 

This is a very deceptive and predatory prate. My money has been in that account now for 6 months receiving a very small interest rate. I could have opened with another bank and received a better interest rate so now I am also missing out while I am waiting. Please assist me in Dealing with CITI Bank they are very unfair and unhelpful. 
Although it was not a requirement I enrolled in paperless e-statements yet they continue to send via mail at times. 

I am afraid they are doing all these things intentionally to avoid paying the bonus.

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA 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 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WI

Complaint narrative:
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : XX/XX/XXXX Hunter Warfield Inc reports debt owed to credit agencies of XXXX XX/XX/XXXXDebt Validation Letter sent to Hunter Warfield requesting a response within 30 days XX/XX/XXXX I received statement restating the alleged debt XX/XX/XXXX sent response citing XXXX XXXX XXXX, that restating the alleged debt is not validation that the debt is owed XXXX Hunter Warfield received the letter XXXX 30 day failure to comply letter sent

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Contacted XXXX XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
A few months ago, I went to the ER. I made sure my contact info with the hospital was current, but for some reason, the bills went to an address I haven't lived at for 10 years. Before I could figure out why I wasn't receiving the bill, I found out I needed XXXX. I was contacted by the debt collector about a week before my XXXX, which is when I found out what amount I was being charged. I asked to receive a written statement sent to my current address. I did receive that a day or so before XXXX. 

Healing from XXXX didn't leave me in a position to deal with the debt. Today, they contacted me by phone, which is understandable. What is not acceptable is that they failed to identify themselves properly. 

My boyfriend answered the phone. I usually don't answer calls from numbers I do not recognize, so I asked him to answer and give me the phone if it was the debt collector. Unfortunately, when he answered the phone, the caller would only identify as " XXXX on a recorded line. '' He asked multiple times who she was, and she would not identify as a debt collector. Only after she was asked directly, " What company do you work for? '' ( please note that asking " where are you calling from? '' and " who do you work for? '' did not get a proper response ) did the caller identify her employer as XXXX. She still did not identify as a debt collector. 

My boyfriend ended the call. I had talked about needing to talk to them to set up a payment plan, now that I am recovered from my XXXX ( entirely unrelated to the debt they are trying to collect ) but neither of us are comfortable dealing with a company that refuses to identify themselves properly. I understand that they do not wish to disclose information, but I also know that they are legally required to identify as debt collectors, even if they are not speaking directly to the debtor. Had they identified properly, I would be discussing payment with them now. 

The call occured at XXXX MST, Fri XX/XX/XXXX. The call was from 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