vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: LA

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My wife received an unsolicited USbank " ReliaCard '' debit card in yesterday 's ( XX/XX/21 ) mail. We have never had an account at USbank, ever. There is some information on the internet about this being part of some scam. Unfortunately, there is NO WAY to contact USBank. I have tried the XXXX number on the card and the automated system warned that I was th 482nd person in line to speak to a human. I went on line and found where I could activate the card, there was NO WAY to de-activate the card and was pointed to the same sham of a customer support number. Bottom line, and this is confirmed by other 's comments on the internet, is that there is NO WAY TO CONTACT USBANK! 

We even followed the instructions to set up both their mobile and on-line account programs in hopes of finding some way to contact them about this problem. Sure enough, her account with a {$0.00} balance got activated. I repeat - my wife has NEVER had or ever applied for any type of account at USbank. 

# USbank fraud # USbank ReliaCard fraud # USbank customer support is non existent

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 2020-09-22 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.

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-22 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 filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.

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 2020-09-22 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 filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.

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 2020-09-22 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: TX

Complaint narrative:
In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I was XXXX  and on XXXX, making the payments late, but still making the payments. The repo man jumped into my car while it was running with no identification, no badge, no uniform, a plain black t  shirt and jeans and took off with my vehicle. When my fianc caught up with the car the tried to find out what was going on and tried to get the car back. The repo man tried to get my fianc to hit him and got in his face, when the altercation got heated he stated he was the repo man. No one was ever harmed or touched. I called gm financial to give them all the late payments and whatever fees were needed to get my car back and they told me I had to pay the car loan in full in order to get the car because the repo man was hit. I explained to many people that no one was harmed and the way the repo took place was unprofessional and unsafe. The had me paying {$25.00} a month for 6 months but soon just stopped contacting me. I went online and my balance said XXXX dollars. Now I see it on my credit as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: FL

Complaint narrative:
SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-22 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: TX

Complaint narrative:
In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my 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 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay Card received and processed an online payment from my bank on XX/XX/2019 where I mistakenly included an incorrect account number. Over the past 10 months I have provided documents from my bank stating that Barclay received the {$1300.00} payment but they can not locate it. I have placed 44 outbound calls to Barclay in hopes of resolving. I have initiated at least 5 cases with their " settlements team '' in hopes of them  locating and applying the payment to my account. On XX/XX/XXXX, I was advised to submit a letter to the Office of the President via mail and fax and I did that via both transmission methods. My credit report is showing as delinquent and last week I received a notification that the balance is now subject to charge-off. 

I have provided Barclay copies of my bank record, proof of payment from my bank ( XXXX ), my call log, and a screen shot of the delinquency notice supporting my dispute. Please investigate this this matter and assist me in correcting as soon as possible. 

Many thanks, 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 2020-09-22 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: AL

Complaint narrative:
This is my third affidavit for this company. Why am I being accused of using a credit repair comapnay. I cant afford a credit repair what in the XXXX do yall need from me to prove I am a victim of identity theft and THESE ARE NOT MY ACCOUNTS? at this point, it seems as if yall are working with the buraues to keep my credit score down. INVESTIGATE AND REMOVE THESE ACCOUNTS

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed Wells Fargo had a promotion on opening up and funding a checking account. ( A screen shot of that promotion is attached. ) I opened up the account on XXXX and received several emails stating the account was opened. The promotion required a total of {$4000.00} in direct deposits to post to the account within 90 days in order to qualify for a {$400.00} bonus. Over the next 90 days, I had {$11000.00} deposited into the account via ACH from my employer. The {$4000.00} was met within the first 30 days. With the 90 days coming close, I called the bank and spoke to a representative named XXXX on XX/XX/XXXX. She confirmed that I met the requirements and was unsure why the bonus was not paid. She recommended calling back after the 90 days and request the completion of a form that addresses these issues. I called back on XXXX and spoke with XXXX, who again confirmed I met the requirements and did not understand why the bonus was not paid. He opened up the inquiry XXXX and said to call back in 10 days if I had not received the bonus. Fourteen days later, on XX/XX/XXXX, I called and spoke to a 3rd representative. This person put me on hold for a long period of time and came back with a nonsensical explanation. She said the promotion had been extended through XX/XX/XXXX and I needed to call back after that date to check on the bonus. While that is a good idea to help others meet the promotion requirements, I have never heard of a promotion not paying out existing customers for meeting the requirements. I decided to do some investigation on my own to see if there are any stories about other clients getting the blow-off. I was able to find numerous new Wells Fargo clients who got there bonuses at around the 90 day mark for accounts that were opened slightly before and some time after I opened my account. Therefore, the obvious answer is that Wells Fargo is just wanting me to stop calling for another 100 days as nobody can determine why the {$400.00} bonus is not being paid even though I met all the requirements.

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 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I contacted the company and was told Im they could not give me any information on the issue at which time I inquired about a refund that to was not an option due to them donating money to charity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
Amerisave ( Amerisave Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ) misrepresented rates and mislead me into the cost of {$500.00} for lending services. Amerisave performed a bait and switch and did not honor. Amerisave agent XXXX XXXX, provided rates that could not have been met with the given circumstances and terms of the loan ( they failed to adequately adjust due to an existing HELOC ). I was enticed to apply for mortgaged based upon rates they provided me. They collected a {$500.00} application fee from me as I decided to enter into a business agreement with them per the information they provided me ( rates, costs of loan ) After several hours of providing documentation, and waiting several weeks, they informed me the rates and terms would change because of an error on their part. At that point I informed them that I was misled, requested to terminate business with them, and requested a refund. They stated they would process a refund and ultimately did not provide me the refund. They knowingly admitted they were in the wrong and did not adequately resolve the situation. They  continued to led me on with false statements and actions which attempted to deter me from entering into a refinance with another company, which resulted in a short term and long term financial loss, due to missed opportunity to proceed with another lender that provided honest business practices. Records of the requests, poor customer service, and admission of their errors have been attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 called Equifax to dispute incorrect personal information. Since then several of my accounts have been closed by them and they are still open. On XX/XX/2020 submitted another dispute to correct the info. Only one account is still showing closed when it should be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My cell phone failed in early XXXX and when I was setting up my new phone, I inadvertently set up a NEW PayPal account that is " Limited ''. Two of my customers sent payments totalling {$830.00} to that new limited account but I can not access these funds.

I have used PayPal Assistant and have made numerous calls to PayPal and used their automated login assistance to attempt to resolve this issue. ( My other account is functioning properly and I just want those {$830.00} transferred to my normal, active account ). When I call, Paypal 's automated system just says " we can not support your inquiry at this time '' and hangs up on me. I am unable to resolve this using their auto-system and can not reach an actual person on their phone line. 

When I call PayPal 's customer service number XXXX, the automated system recognizes two accounts with my cell phone number XXXX. The auto-system gives me an option under the ID / e-mail of " mail.w '' ( which of course isn't a real e-mail ). I have tried every automated system to get logged in, but I can't and there is no way to reach an actual person to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 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: LA

Complaint narrative:
THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2020-09-22 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: FL

Complaint narrative:
SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: FL

Complaint narrative:
SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on my credit report.

Company response to consumer: Closed with explanation