vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
2 disputes on XXXX about 2 account that were opened fraudulently and they say I still owe when I did NOT open or use those accounts. I have disputed this 3-4 times and they say I still owe and I DO NOT owe anything to these people. The dates last disputed were XXXX and they resolved the issue on their end on XX/XX/XXXX or XX/XX/XXXX. I want this off my credit report because my information was stolen and used to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: NJ

Complaint narrative:
I was driving with XXXX and as part of their background check my ability to drive as a partner for XXXX  was restricted based on incorrect reporting of drivers license abstract. The company who is providing such information has not obtained written permission to provide my information. When I checked with NJDMV and legal attorneys, my record has no points and it is considered as legally eligible to drive. 

This company Checkr.com is using my information and providing it to other companies which is resulting in adverse action. I was making extra income to support my family of 6 people and now due to their incorrect reporting I have incurred loss in my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Claim # XXXX. My wallet was lost and recovered from XXXX customer service desk. I charged from Texas was placed on my account on XX/XX/2019. I have used my debit card almost every day since then. I noticed the charge on my account when I was told that my payment had declined from my XXXX  office. After looking over my transactions I reported this charge immediately to be told that I did not report it soon enough is not acceptable. I can not report something on my account that I don't see. By law I have 60 days or two billing cycles to report a charge. If I received monthly statements by mail maybe I would have noticed sooner. A better question would be why didn't BOA security detect a charge from Texas as fraud. I have never been to Texas before. I am willing to provide any documentation : police report, statement from XXXX, statement from XXXX  office etc.

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 2019-11-09 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: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I have requested numerous times in writing, verification of the fraudulent debt over the past 6 months. Wakefield and associates have refused to provide me with any proof that I owe them what they claim I owe. XXXX  and XXXX refuse to remove the unverified debt where as XXXX  does not list the debt. How is it possible that 1 agency has it correct while the other 2 do not? No matter how many times I ask for proof of the debt the collection company and reporting agencies refuse to provide any form of proof. This needs to be removed immediately as I am not aware of the debt. Wakefields refusal to offer any documentation supporting this false reporting should be punished. The credit reporting agencies who allow this false information to be posted should be held accountable for this as well. 

How is it possible to post something to a consumers credit report without providing any proof that I am responsible for this? 

I have sent several written requests with certified mail requesting some form of proof that the debt is in fact mine. This account without verification is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: TN

Complaint narrative:
On XX/XX/2019 I submitted a dispute ONLINE WHICH shouldve taken 30 days to complete! This was a direct dispute which I have verification that I submitted that dispute! Meanwhile Ive gotten no update which in the previous complaint that submitted and TransUnion responded that they emailed me in my email. NO THEY DID NOT! Then they sent a letter out saying they were unable to determine the nature of your request or my request was illegible. This dispute was INITIATED ON XX/XX/2019. After checking the dispute status ON XX/XX/2019, I sent a Certified letter that same day which they received on XX/XX/2019 at XXXX XXXX.! 

On the previous response TransUnion stated that : According to our records, we received your initial request on XX/XX/2019 via online and initiated investigations into the disputed items. The investigation results were emailed on XX/XX/2019 to the email address provided with your disputes. Which is a lie because Ive checked every single email I have and spam folder and its very ironic they say it was completed 2 days before the initial end date meanwhile I still have proof that investigation has not been completed!

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 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/19, I receive a voice mail from Juniper World Mastercard XXXX. The message stated that there was a review of my account and they placed a credit on my account due to an error they discovered in said review. They told me to call XXXX if I had any questions. 

I looked at my account and it posted a credit of - {$5200.00} on XX/XX/19 called " Finance Charge Credit ''. I called XXXX on XX/XX/19 to ask questions about this and the only things they could/would tell me is that the credit was due to an APR finance charge error on my account that happened been going on for " years ''. They wouldn't tell me how long it was going on. 

This is a huge credit, which is nice, but it seems like they are trying to do this under the radar because I received no email or written letter explaining any of this and I don't know if this credit is accurate at this point.

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 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV funding is trying to collect of XXXX of which i don't owe. I've never done business with this company nor do i have any contracts with my signature on any of their company letterheads.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TCF FINANCIAL CORPORATION
State: AR

Complaint narrative:
TCF IS REPORTING TO XXXX, AND NOW MUST BE DELETED MANUALLY BY BOTH PARTIES. LOAN NO.XXXX-XXXX. TCF MUST CONTACT XXXX  DIRECTLY IN ORDER TO UN SUPRESS MY CREDIT REPORT IN ORDER OF DELETION OF ALL TCF BANK ACCOUNGTS FROM CREDIT FILES ... SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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:
There is an open XXXX XXXX account showing on my credit report that I have no recollection of every opening alongside two hard inquiries produced by them that I never requested. There are also two additional hard inquiries from XXXX ( XXXX ) and XXXX ( XXXX ) that were not asked for, yet somehow appear on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has deleted '' XXXX XXXX XXXX '' due to it's innacuracy and it not being my account. '' XXXX XXXX   XXXX XXXX XXXX XXXX '' is a different name same account number as '' XXXX XXXX XXXX '' both accounts have the account number XXXX. One has been deleted due to wrong innacurate and fraudulent reporting that would be '' XXXX XXXX XXXX ''. But " XXXX XXXX XXXX XXXX XXXX '' is another name and has the same account and account number and has not been been deleted. I have written both Equifax and " XXXX XXXX  XXXX XXXX XXXX ''. About this issue and neither one has deleted this fraudulent irroneous account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I open a dispute with Equifax requesting method of verification on a Chapter XXXX bankruptcy and Chapter XXXX Bankruptcy they came back the next day saying that they verified the bankruptcies through XXXX XXXX public records ; However this information was not verified through the ORIGINAL CREDITOR which is the courts, in which I reached out to the courts and they confirmed that they do not verify bankruptcies or any personal information with credit bureaus or thru third party entities which I informed them of on XXXX provided them with a LETTER TO REMOVE THE BANKRUPTCY AND LETTER FROM THE BANKRUPTCY CLERK and they still did not remove the bankruptcy from my report after they completed the review again. They are in direct violation of FCRA and did not validate debt thru the ORIGINAL FURNISER THE COURTS. Due to them verifying the debt thru a third party and not the original furnisher only provides the last four digits of my social their could be several inaccuracies but Equifax would not know because they did not verify with the original furnisher THE COURTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I received and activated my Apple credit card on XX/XX/2019. I purchased an XXXX  for my son on XX/XX/XXXX. On XX/XX/2019, I went to use the Apple credit card and it didn't work. Upon investigation, I found my account was locked. I called Support and I was informed that they couldn't tell me why and a Goldman Sachs specialist would call me. On XX/XX/2019, I call Support and paid off the balance on the card, as, I wasn't sure if payment would happen with my card locked. In the intervening 10 weeks, I have called support at least 6 times to find out why my account is locked and on each and every occasion, I have been told the same thing, that they can not tell me and a Goldman Sachs specialist would call me. 

As my credit score is over 800, I know the issue is not my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: Innovis
State: AR

Complaint narrative:
XXXX XXXX AND XXXX  ARE IN COLLUSSION TOGETHER, INTERFERING WITH THE FINANCIAL CREDIT APPARATUS, OR TRIANLE, CONSUMER, CREDITOR & CRA. XXXX XXXX MUST CONTACT XXXX   TO UN BLOCK OUR CREDIT FILES IN ORDER TO RE-INSERT LOAN NO.XXXX, GET A FORM TO RE-INSERT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with CCS collection company. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: GA

Complaint narrative:
Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with Hunter Warfield Inc. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2019-11-10 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
XXXX  IS SUPRESSING OUR CREDIT FILES, AND AS A RESULT CAN NOT GET A LOAN FROM MACUS. DEMAND XXXX  TO STOP INTERFERING WITH THE FINANCIAL CREDIT APPARATUS DESINED SPECIALLY FOR THE CONSUMER AND THE CREDITOR. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been reporting inaccurate items on my credit report related to account items listed here : XXXX/XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX  XXXX I have requested on numerous occasions to remove this item and to provide the original documentation as to how they have verified this item and they have failed to do so. I also included an identity theft report related to this item and they are willfully in-compliant. 

Please have this items removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with XXXX XXXX XXXX Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2019-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I applied for a Sallie Mae student loan in XXXX of XXXX. While attending school, I had been making monthly payments to help with accruing interest. I decided to take a break from attending my university before the start of the Spring XXXX semester, because I had an outstanding balance from the fall and I was trying to figure out how to pay for my schooling without obtaining another loan. After my grace period was finished, my full payment amounts had started to be withdrawn through Sallie Mae with no issue. However, in XX/XX/XXXX, I looked at my credit report and realized that I had 2 separate student loans. On my credit report, it showed that I had an outstanding loan through Navient that I " was behind on payments for. '' After a quick XXXX search, I learned that Navient and Sallie Mae used to be one, but had split. I was NEVER informed of this split, never received anything in the mail, and had to do a back payment upfront on the loan through Navient. I am EXTREMELY infuriated that I was not made aware of this split prior to it happening, and that I had to find out about this " late payment '' to Navient by looking at my credit report. My goal was to not have multiple outstanding student loans, and now I have 2 when I only applied for ONE. My main concern is that I was never notified of these circumstances. I would like to be contacted reference this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: GA

Complaint narrative:
I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor EDFINANCIAL EDUCATION to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with EDFINANCIAL EDUCATION my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: GA

Complaint narrative:
I have informed XXXX on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor PHEAA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with PHEAA my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 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: MD

Complaint narrative:
Event occurred today, XX/XX/2019 at about XXXX. My wife and I were sitting in our home with representative of flooring company ( XXXX ) completing credit application. I received an email from Well Fargo Bank of a Credit Card Agreement. The agreement did not include my name but noted it was a Terms of Agreement. I had not signed any agreement nor applied for credit card from Wells Fargo. A few moments later I received a call from a WF agent stating I needed to provide personal information ( DOB, last four of SSN ). I refused to provide information and was told I would need to call WF later if I wanted  to proceed. 
The XXXX representative, along with my wife, listened to the exchange ( via speaker phone ) and looked surprised and stated, I dont know why they are calling you - we havent completed application. When I refused to provide requested information the WF agent quickly hung up.

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 2019-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has continued to allow XXXX XXXX XXXX to manipulate data on my credit report which has resulted in my credit score being dramatically affected in a negative way. I have multiple times disputed this with Equifax. The amounts of what is being reported as owed would change a few cents on multiple occasions making this account look as if it is recent when in fact the account is 7 years and 6 months old and should not be on my credit report anymore. As well as the payment dates have been manipulated. Both other credit bureaus have removed this account as it is too old to show on my credit report. Equifax removed it recently in the past 2 weeks and then put it back on my report. Equifax has been very uncooperative and refuses to see that this should no longer be on my report. Every time I have disputed this with Equifax my credit score has plummeted. They have penalized me every time this account was disputed. And my credit score again just dropped 120 points. A 7.5 year old account in now way should be affecting credit this adversely even IF it was still on my credit.

Company response to consumer: Closed with explanation