vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 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:
Experian is continuing to report an account XXXX XXXX XXXX in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed Experian that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted XXXX XXXX XXXX and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with XXXX XXXX so how in the heck can Experian be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue Experian and XXXX XXXX XXXX for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act if this is not removed immediately.

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 2019-11-30 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I ORDERED 2 PRODUCTS ON LINE OFF A XXXX AD ... XXXX XXXX AND XXXX.. FOR {$6.00} AND {$680.00} ON XX/XX/2019 IT WAS A SIMPLE ONE TIME ORDER ... THIS ORDER WAS DELIVERED. THE NEXT MONTH I NOTICED A CHARGE FOR {$89.00} AND {$89.00} ON THIS SAME CARD..I DID NOT PLACE THIS ORDER. I CALLED AND WROTE MY CREDIT CARD CO AND THEY REVERSED THE CHARGES ... .THEN THEY SENT ME A LETTER SAYING THEY HAD REVERSED THEIR DECISION.. AND RECHARGED ME FOR THIS PRODUCT I DID NOT ORDER..I CALLED AGAIN AND THE CONSUMER SUPPORT PERSON TOLD ME I HAD TO CHANGE MY CC # TO STOP THESE UNWANTED DELIVERIES ... I DID.. THE NEXT MONTH I RECEIVED ANOTHER PRODUCT AT THE HIGH PRICES,,, I HAVE HAD THIS HAPPEN TO ME ONCE BEFORE ANT THE CC COMPANY QUICKLY AND EASILY REVERSED THESE CHARGES, BUT XXXX IS SIDING WITH THIS DECEPTIVE MARKETING MERCHANT.. THAT IS WHERE WE ARE NOW ... ORIGINAL CC # XXXX NEW CC # 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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion allowed XXXX XXXX to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.

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 2019-11-30 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX  is continuing to report an account Credit Acceptance Corporation in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed XXXX  that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted Credit Acceptance Corporation and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with Credit Acceptance so how in the heck can XXXX  be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue XXXX  and Credit Acceptance Corporation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3.  ) Violation of the Fair Credit Reporting Act if this is not removed immediately.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX  allowed XXXX XXXX  to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: Clarity Services
State: GA

Complaint narrative:
I want to report that a fraudulent account is in my credit report, in the pass I had been victim of data breaches in the web, please help me so resolve this issue, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one well not fix my credit information the amount and credit limits are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: CORELOGIC INC
State: GA

Complaint narrative:
I want to report that a fraudulent account is in my credit report, in the pass I had been victim of data breaches in the web, please help me so resolve this issue, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX  XXXX well not fix my credit information the amount and credit limits are incorrect

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  XXXX well not fix my credit information the amount and credit limits are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
My mortgage loan has been sold " Caliber Home Loans '' to " XXXX XXXX  '' with service transferring XX/XX/2019. I received notification by mail XX/XX/XXXX from Caliber and haven't received anything from XXXX XXXX. What happened to at least 30 days notice? There wasn't any mention of informing the county or municipality where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: CA

Complaint narrative:
I am a victim of identity theft.

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 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an accident and was in hospital for XXXX .At some point I called Synchrony Bank to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a TD account under a promotion for {$300.00} for {$2500.00} in direct deposits. I somehow clicked the submit button twice, and accidentally opened two accounts. I messaged the bank to say " hey, I accidentally opened two accounts, can I only have one account ''. 

My online banking stopped working after that. I called the bank, and they placed a fraud review on the account ( without messaging me or informing me ). The account is being closed against my will - but they still accepted my direct deposits. Apparently, I can only get said money by going in branch or by sending a notarized letter. I am in XXXX  XXXX  in XXXX, but my permanent address is in XXXX. The nearest branch is 1000+ miles away. 

So I met the terms of the promotion ( my $ XXXX/month of direct deposits did get deposited ), and they should have paid out {$300.00}, but instead, TD is just holding {$3300.00} of my money and closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: CA

Complaint narrative:
I am a victim of identity theft.

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 2019-11-30 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: CA

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
These are not my accounts as I don't know who's they are. Please remove them!

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 2019-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I paid {$160.00} to an email address XXXX on XX/XX/XXXX via Zelle to another XXXX XXXX account. I called XXXX XXXX. I was promised a transfer of two tickets on XX/XX/XXXX. I never received them. XXXX XXXX said they wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: NV

Complaint narrative:
These are not my accounts as I don't know who's they are. Please remove them!

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 2019-11-30 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: NV

Complaint narrative:
These are not my accounts as I don't know who's they are. Please remove them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Accidentally sent money. IT WAS QUICKLY REFUNDED BACK TO ME, BUT I CAN NOT ACCESS MY REFUND AND I DONT KNOW WHERE THE MONEY WENT. AS ITS NOT HIT MY BANK ACCOUNT YET. CASH APP IS SCAMMERS AND I WANT MY {$300.00} ASAP!! THAT MY LIGHT BILL MONEY & IM IN THE HOSPITAL AND WILL NEED MY LIGHTS ON FOR MY XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: MN

Complaint narrative:
XXXX  XXXX in XXXX, MN is giving a {$25000.00} credit on the purchase price if buyers use their preferred lender. How is this not Steering? If I bring my own lender, I have to pay {$25000.00} more for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an accident and was in hospital for XXXX .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an accident and was in hospital for XXXX  .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a new complaint. I just got off the phone with the executive offices at Wells Fargo. The representative I spoke with has informed me that my claim was " re-opened, '' and that it was assigned an analyst, but he couldn't tell me anything about the investigation, or why I was never informed of it or of it being closed. He also stated that Wells Fargo would not be issuing any credit to my account pending the analyst reviewing my case. When I asked this person about Reg E, and why those rules were not followed in handling my fraud claim, he couldn't tell me. So, with the information he just gave me, I'd like to recap what I understand Reg E to imply and how WF has not complied with it, and ask what that means for me. Wells Fargo failed to promptly investigate ( or if they did, they certainly didn't inform me of any determination ) ; they failed to complete such an investigation in the 90 days required ; they failed to provide provisional credit while completing their investigation ; they failed to inform me of any such credit ; they failed to inform me of any determination regarding the claim ; they closed my account with a pending investigation in progress ; they closed my account due to overdraft which shouldn't have been a problem to begin with had they complied with error resolution procedures ; they threatened me with credit reporting agencies if I didn't make a deposit ; and now I'm told that they closed the investigation altogether without notifying me of it at all. According to the person I just spoke with, Wells Fargo has no resolution at this time and told me that I would have to wait to find out until Wells Fargo 's analyst makes a determination and that I would receive notice by mail. I would think that someone at the CFPB might take an interest in these violations. If this is consumer protection, than we're in trouble. I have provided all the information, all the documentation needed to resolve this matter and there is no reason that it is not yet completed as far as I can tell. This is completely unfair and what is the point of having these regulations put in place if they do nothing to actually assist consumers in times of dire need like this one? I am attaching the video where I am hypnotized on tape. I could only submit a certain file size so you can't see what happens before or after, or I would have sent the whole thing. Maybe this will convince you all to 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 2019-11-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Had accident and was in hospital and later XXXX. PayPal. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.

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 2019-11-30 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: NV

Complaint narrative:
There are accounts on my credit reports that aren't mine.

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 2019-11-30 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: CA

Complaint narrative:
while checking my most recent report i discovered the following items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was a victim of fraud in my checking and savings account, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, they did their investigations and they returned all my money that was extracted, After 3 months they are calling me from a Hunter Warfield company, I explained that I was a victim of fraud and that I will not pay a debt that I have not made, today I realized that they placed my debt in XXXX, they are damaging my credit, I do not understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this problem that will affect my credit

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 2019-11-30 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: NV

Complaint narrative:
There are accounts on my credit reports that aren't mine.

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 2019-11-30 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: NV

Complaint narrative:
There are accounts on my credit reports that aren't mine.

Company response to consumer: Closed with non-monetary relief