vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. 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 non-monetary relief
Consumer complaint received 2019-02-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud  warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
REPEATED CALLS FROM PHONE NUMBER XXXX WHICH APPEARS TO BE FROM A COMPANY LISTED AS OPTIMUM OUTCOMIES INC, XXXX XXXX XXXX, XXXX  NC XXXX. AUTOMATED CALLS REFERRING TO A PERSON WE NEVER HEARD OF BY THE NAME OF XXXX XXXX. WE DO NOT RESPOND TO THE BECAUSE WE ARE NOT THE PERSON THEY WANT AND THE PHONE NUMBER THEY CALL US AT HAS BEEN USED BY FOR SEVERAL YEARS AND WE ARE DEBT FREE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
After a lengthly phone conversation in XXXX with somebody claiming to be from XXXX ( the XXXX I work for ) and from the Bank of Omaha, I was sent a pair of credit cards for my wife and i which I was not expecting, and there was a balance transfer of over {$2000.00} which they claimed came from my credit union and I never authorized. Got a letter on XX/XX/XXXX19 saying the balance transfer exceeded my credit limit. Credit union has no record of any balance transfer, but now this credit card company wants me to pay it, and the interest rate shoots from 0 % up to 24 % in two months! Got that letter XX/XX/XXXX19,  followed shortly by the two unsolicited credit cards.This puts my ( and my wife 's ) credit in jeopardy and is absolute fraud and theft! Shutting down all access to my accounts, big inconvenience and hours on the phone is what will become of all this. Called the XXXX XXXX number listed on the card, and some very rude customer service man there said I owe the {$2000.00} and that was that. Spoke to XXXX from the fraud department at bank of Omaha and she recommended I file this complaint! Currently have not received a statement from this company, and will not be paying it if I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
HI ON OR ABOUT XXXX OF XXXX I FINANCED A VEHICLE WITH XXXX AUTO FINANCE AND HAVE A 7 YEARS OLD COPY OF SEVERAL CREDIT REPORTS SHOWING THE PAYMENTS AND STATUS OF THE ACCOUNT BEING CURRENT AND WAS SOLD TO XXXX  AUTO FINANCE AROUND XXXX OF XXXX. AT THE TIME THE LOAN WAS SOLD / TRANSFERRED THE DEBT WAS IN GOOD STANDINGS. SEVERAL YEARS LATER APPROXIMATELY XX/XX/XXXX FIVE YEARS INTO THE LOAN I SURRENDERED THE VEHICLE BECAUSE XXXX SAID THAT I OWED XXXX ON A VEHICLE ACCORDING TO THE LOAN SCHEDULE OF PAYMENTS WAS ONLY FOR 6 YEARS@XXXX A MONTH WHICH WOULD ONLY LEAVE A BALANCE OF A YEAR. I REACHED OUT TO THEM MANY OF TIMES AND NO ONE COULD EXPLAIN THIS ISSUE. IN THE INTERIM AFTER 3 YEARS OF THE SURRENDER, NCB MANAGEMENT SERVICES REPORTED ON MY CREDIT FILE A NEW ACCOUNT ON XXXX SHOWING THAT I HAD A REPO WITH THEM, MY CREDIT SCORE DROPPED TREMENDOUSLY I DISPUTED THIS WITH ALL CREDIT REPORTING AGENCY 'S AND NCB AS " RE-AGING ''. AFTER SEVERAL YEARS OF DISPUTING NCB UPDATED THE ACCOUNT SHOWING IT AS A REPO WITH XXXX XXXX. NOW ON MY CREDIT FILE IT SHOWS 2 DIFFERENT REPO 'S AND THIS IS INACCURATE. I HAVE CALLED AND SENT LETTERS TO THE CREDIT REPORTING AGENCY 'S EXPLAINING THIS ISSUE AS WELL AS SUPPLIED SUPPORTING DOCUMENTS AND THEY WILL NOT HELP AND NCB MANAGEMENT SERVICES WILL NOT CORRECT MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I HAVE RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN STOLED AND OPENED FRAUDULENT ACCOUNT WITH WELLS FARGO BANK. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION FOR ANY PURPOSES. I'VE FILED IDENTITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND SUBMITTED THAT DOCUMENT TO CREDIT BUREAUS AND WELLS FARGO BANK. CREDIT REPORTING AGENCIES REMOVED FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. BUT XXXX  REINSERTED FRAUDULENT ACCOUNT BACK TO 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 non-monetary relief
Consumer complaint received 2019-02-21 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: U.S. BANCORP
State: CA

Complaint narrative:
Problem with XXXX XXXX. They treat verifiable 3rd party banking errors as late payments and do not respond to complaints even when written proof has been provided. 

To insure my payment was never late I set up automatic payments through XXXX XXXX for my Fidelity credit card ( they manage it ). It worked fine for years. Then a third-party accounting firm accidentally shut down the wrong bank account - mine - the one XXXX XXXX had been pulling payments from. XXXX XXXX tried to pull the payment as usual but the account had vanished. When XXXX finally contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. 

All of this happened outside of my knowledge or control and was the result of a banking error. I have a letter from the firm responsible admitting their error. I have provided this letter as proof to XXXX XXXX twice but they have never responded to my written disputes. Experian states the file was updated, but it was not. 

I would like the XXXX late notice removed from my credit report because it is not a reflection of reality, my ability to pay on time, or my credit-worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
They called over 80 times within one hour while I was at work. Amount owed was XXXX. I paid it off now. They called so much I couldn't even use my phone until i answered it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX resent request to have entries for XXXX XXXX and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ND

Complaint narrative:
I applied for a loan of XXXX with One Main Financial loan. On the enitre site and terms did it not state that I have to be a resident of North Dakota nor a problem with my address. I have made multiple calls to both the XXXX branch and XXXX branch told them my address. I also told the XXXX branch what my address is and located for. I called the OneMain Financial branch in XXXX and XXXX, ND and I informed of the XXXX XXXX XXXX XXXX XXXX nd is my address. I informed that the house in XXXX XXXX  XXXX is on sale and i need the load for multiple things like deposit and car. I went to the XXXX   nd branch due to the fact that the XXXX  branch bus directions online lead me there. The person at the desk printed my ID off I told him my address, ask me for more information, I told him my address and if there anything I need. Just a Social Security Card. I gave them a passport and he said I have ot be a resident. I have already informed that and he kept taking more and more info about my social security and my dob. I have called XXXX and they stated I need a address on which i gave. I even gave my bank mailing address for my bank info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015 and XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I received a forbarence, was not communicated he process. I have also been dealing with medical issues, Now they are trying to charge me extra for not understanding!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
DCI ( Diversified Consultants Inc. ) have been given repeated opportunities to provide me with any and all documentation that the FCRA enables me to request. FCRA 609 states that I am entitled to see the physical copy of the original consumer signed contract bearing my signature. This documentation or contract that FCRA 609 is referring to is documentation that the credit bureau 's must be shown for any disputed account to be legitimized as 'verified '. DCI refuses to give me a contract yet continues to report onto my credit. I am asking to see all documentation that they have with my social security number, signature, and I.D . 
This company is in full violation of the FCRA by revealing that they only have an itemized bill and absolutely no documentation proving that the account belongs to me, however, they've refused to cease all collection attempts and to delete the account. 
Then, the company informed me that they'd send a fraud affadavit to me. I will and can take ALL legal actions myself, I don't need their help. All I need, is to see this contract prior to me moving forward with local law enforcement. Upon this company providing me with the contract, I will take the documentation to my attorney and local police department as proof that fraudulent activites have taken place. Until then, I need to see this contract ( the only legal binding document that can make me liable for the account ) that was signed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. 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 2019-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1.  XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. 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 non-monetary relief
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, 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 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I have a collection account to " Trident Asset Management '' ( TAM ) in the amount of {$400.00}, opened on XX/XX/2015. The debt claims to be a a XXXX account, except I had an open and active XXXX account when this was initiated. I have made several attempts to dispute the account, but TAM continues to " confirm '' the account. I have made attempts to see their information they use to " confirm '' the information, i.e. my signature on a contract, but the company does not acknowledge my request. XXXX also fails to acknowledge the account or provide information. I have ZERO KNOWLEDGE of this account and request it be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Around the beginning of XX/XX/2019. I tried to make a withdrawal from my PayPal account. I discovered that may account was limited. I called customer service and they told me to give them a copy of my bank statement. I did. Then after calling numerous times and put on hold for close to an hour each time. I am given a multiple choice question from PayPal, supposedly from the " public record. '' I did not pass the test and PayPal is literally blackmailing me by not releasing my funds of {$180.00}. 

I sell small items on XXXX  from my home. XXXX takes a cut and Paypal takes a cut of my sell. I had never had a problem with withdrawing my funds from PayPal until XX/XX/2019. 

The multiple choice question has absolutely nothing to do with my personal information on my PayPal account. It seems PayPal has a side business where they are gathering information on customers to sell to third parties. I do not like nor want to be a part of this. 

Paypal has more personal information on me than my bank and PAYPAL IS NOT A BANK. I have no credit or loan with PayPal. They only process the payment I receive from my XXXX customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2.  XX/XX/XXXX 3. 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 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  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 non-monetary relief