vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Cash Mart Management
State: MO

Complaint narrative:
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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, addresses, names and did not authorize companies to run my credit. 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 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Over 90 days ago, I wrote to the Aargon Collection Agency. I requested proof of validation. I have not received any correspondence. I have sent three follow-up letters, to no avail.

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must 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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I noticed on my credit report a hard inquiry on XX/XX/XXXX made by XXXX XXXX of XXXX. I bought my truck from them in XXXX and would NEVER go back there again. I do receive mail from them stating that I am eligible for a refinance of my vehicle but never accepted them as they would be the last place I would go for a refinance. I also noticed two more hard inquiries for Factual Data in XXXX PA from XX/XX/XXXX and XX/XX/XXXX. Is there a way to find out what these two inquiries were for as I do not recall applying for any additional credit from anywhere in the past 12-16 months if not longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
THIS IS LAUGHABLE AT THIS POINT, EQUIFAX AND ONLY EQUIFAX CONTINUES TO REPORT NEW UNVERIFIABLE UNIDENTIFIABLE INFORMATION AND ITEMS ON MY REPORT SINCE THE START OF 2020, AND AGAIN, THIS XXXX XXXX XXXX AUTO LOAN ACCOUNT DOES NOT BELONG TO ME. IT IS BEING FALSELY REPORTED AND HINDERING MY CREDIT SUBSTANTIALLY. THIS DOES NOT BELONG TO ME. I WAS NEVER SENT ANY TYPE OF ALERT OF THIS ITEM OR HAVE I BEEN SENT ANY FORMS OF VERIFICATION FOR THIS ITEM SINCE I DISPUTED IT. UNDER FCRA 809AB LAWS, EQUIFAX HAS NOT BEEN HONORABLE. I AM POSTING THIS TO BE CERTAIN EQUIFAX NEXT ACTIONS ARE BEING SUPERVISED AS I NO LONGER TRUST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', WELLS FARGO, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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, addresses, names and did not authorize companies to run my credit. 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 2020-06-26 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, addresses, names and did not authorize companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
On XX/XX/XXXX at XXXX PDT, I called Barclays customer service and spoke to XXXX ( ID # XXXX ) to understand my trip cancellation insurance benefit and to make sure that my upcoming trip that I was thinking about canceling due to the coronavirus outbreak would be covered. She confirmed that it would and I should call the same number and they will start a claim process and I should have the refund within 7-10 days. So that night I cancelled my trip and called your customer service the next day, XX/XX/XXXX at XXXX PDT and spoke to XXXX ( ID # XXXX  ). He directed me to the department ( XXXX ) that handles the claims and I gave them all the information they requested. I was told I would get an e-mail within 3-4 business days ( Ref # XXXX ) I never got an e-mail and after waiting for a week when I called in I got a response that XXXX doesn't handle this claim and I should call Barclays. When I call Barclays, they say I should speak to XXXX and this loop has continued with no one actually listening to what I'm saying or helping, they just keep repeating the same thing as if reading from a script. I then contacted the Barclays Executive Office and received a call from XXXX ( Ext XXXX ) and she said she will look into the matter and call me back within a week. I never got a call from her, so I called her on XX/XX/XXXX and left her a voicemail - again no call back or response of any kind. I was told by XXXX that if nothing works I should open up a dispute and that would take care of it so on XX/XX/XXXX, I opened up a dispute and the charges were reversed. Now on XX/XX/XXXX, more than two months after this ordeal, i get a letter saying that they have rebilled my account. Again, when I called the dispute line they are clueless and just repeat the same canned lines over and over.

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 monetary relief
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened the Citi AA advantage card to purchase vacations and to earn XXXX   miles. I purchased a vacation through XXXX. They paused operations and my trip was canceled and I was not refunded. I filed with Citi under services not rendered. I was given a conditional credit XX/XX/XXXX and it was reversed XX/XX/XXXX and I saw I lost my claim. I called and was repeatedly hung up on. I try with the chat to no avail. I was finally able to email and hear that theyd reopen my claim. They only reopened 2 out of the 3. It was supposed to be close on XX/XX/XXXX if the merchant didnt respond. I checked daily that entire week and saw the date kept changing. It changed to XX/XX/XXXX. I checked XX/XX/XXXX and saw the 2 out of 3 were ruled in my favor. I try again in the chat to ask about the  permanent credit that it says has been applied. 

The chat person was rude, redundant, and kept beating around the bush. I wanted to know if the credit is pending since my XX/XX/XXXX credits were reversed. He continued to try to tell me I received the credits and thats the end of it. Be says the merchant provided the credit and keeps referring me to my statements I try to explain to him whats on them and how it shows the charge was put back on my account. ( I know this to be true without looking at the statement for clarification because I was out buying groceries and my card was declined it was over the limit when they reversed my credit 3 days after applying it without notifying me. ) I asked if the merchant applied the credit then is it currently pending, no response. And then tells me to call a number I call twice immediately and am hung up on. The chat person stopped replying to me. 

I close the chat and reopen and speak to someone else whom confirms that the XXXX credits were reversed or charged again and that there is no credit pending. She seems to feel uncomfortable speaking with me as if she was told to direct me to the phone. She was nice and helpful regardless, even though she was reluctant. 

I call the numbers given today And was hung up on twice. I finally reach someone and she tells me that the chat doesnt realize that the claims department closes at XXXX instead of XXXX now. She doesnt try to talk to me nor look at my account. So here I am again without any answers. 

At this point Im closing my account. Im in a XXXX  group and all citi customers are complaining about the horrible customer service and lack of thorough care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', XXXX XXXX, COMMONWEALTH FINANCIAL SYSTEMS,  XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.REMOVE ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good day. I would like to reach out to you guys to seek help regarding my account. I am hoping you could spare some mercy as to what we are all experiencing. Amidst this worldwide crisis that we are facing, I lost my job due to company shutdowns and community lockdowns because of this I was able to miss payments and be late on them. Since XXXX our company where I worked with became unstable due to the Corona Virus that is fast spreading and since then production and services were cut off to save profit. Not long they cut down manpower too and unluckily I was a part of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC account was connected to XXXX  in the past and I planned to continue this process as it is an easy way for myself to save money but now PNC is no longer able to connect to XXXX  so I can no longer add money to this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Hello Im contacting CFPB to help me out with a car loan/repossession it showed up on my credit report as closed I want it removed so when my credit Score is being rand I dont want that closed account for {$10000.00} to show up and this account was in XX/XX/2016 Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TN

Complaint narrative:
I disputed Incorrect and Inaccurate Information on my Consumer Credit Report with Transunion LLC ... 
They sent me the Results on their Initial Dispute Investigation and some Items were Updated ... 

I sent them an Express Letter with the Postal Service on XX/XX/2020 requesting a Method of Verification of the Dispute Items Results under the Fair Credit Reporting Act Section 611 ...

They had 15 Days under the FCRA Consumer Law to give me a Response on their Method of Verification..

Transunion LLC sent me back a Letter Dated XX/XX/2020 basically refusing to give me their Method of Verification ...

I would like Help to Resolve this Matter and Hold Transunion LLC accountable for Missed Financial Opportunities because of the Negative Items on my Consumer Credit 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 2020-06-26 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: LA

Complaint narrative:
I have some complaints with Equifax. First the 10 hard inquiries that just killed my credit report, XXXX XX/XX/XXXX was not authorized by me. XXXX XXXX XX/XX/XXXX told my that it was a soft pull.. So that wasn't authorized by me. XXXX  XXXX XXXX  XXXX, XX/XX/XXXX told me that it was a soft pull, so it wasn't authorized my me. XXXX XXXX  XXXX committed a act of fraud I think, on XXXX XXXX XXXX I purchased a XXXX XXXX XXXX I told them that I wanted too be finance through XXXX and if that couldn't happened I wold go too another dealership that does in-house financing and if they had too run my credit just run it with XXXX, that is it, that is all. But everybody just want a sell and will lie too get it..!! And this is where I feel this maybe fraud because on XX/XX/XXXX I purchased the XXXX XXXX XXXX but XX/XX/XXXX XXXX XXXX XXXX ran my credit again..!! Without my authorization I wasn't buying another car so why would they run my credit again without my authorization, could somebody explain this too me like I'm a XXXX year old..?? ( Why did they run my credit again without my written consent.? ) I didn't authorization a credit application with XXXX XXXX XXXX  on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX   Card on XX/XX/XXXX they told me that it would be a soft pull.. A Soft Pull.! A XXXX  XXXX on XX/XX/XXXX, I have a XXXX Checking and Saving a XXXX and a Platinum card I'm betting my head against the wall crying too get these Inquiries erase - deleted with-prejudice for good if the website didn't say that XXXX  XXXX didn't do a soft pull I wouldn't have done it. Equifax are not showing my XXXX and my Platinum credit card accounts 85 % of my credit report on Equifax is so incorrect and I'm disputing everything under the Covid-19 Bill.

Company response to consumer: Closed with explanation