vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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:
AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.

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 2020-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.

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 2020-05-13 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: OH

Complaint narrative:
I had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my experian credit report due to very harmful negligence by XXXX XXXX XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX  up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}

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 2020-05-13 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: NY

Complaint narrative:
I never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: NY

Complaint narrative:
I never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym

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 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I took a rental car from XXXX XXXX  leasing and they had a flier or a notice not part of their contractual agreement and they charged me XXXX USD for a car clean up. I disputed this with them on my XXXX XXXX credit card bill sending them the pictures of my car. Now they send this bill to collection agency resulting to an amount of XXXX USD. 

I received a letter 6 months or 9 months before stating that I owe and I explained American Collections agency on what actually happened. I never received any feedback or call from thereon. This charge is now on my credit report for a long time and I want to have it removed. 

I spoke to American Collections agency today explaining that the charge done by the location in XXXX for XXXX is a fraudulent charge. I can imagine anyone charging XXXX USD flat fee for a car cleaning where the car was rented for a week will have small dust particles because of walking. I also ensured the same before leaving the car that if I need to do anything at the time of check up. 

American Collection agency is basically being biased and saying that their customers rent a lot of cars and they know what they are doing. With all due respect they do not want to resolve this dispute. I called their office like 4 times and the lady just hung up on me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX http : //www.payacei.com Email this Business ( 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 2020-05-13 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: NY

Complaint narrative:
I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next 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 2020-05-13 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT IN A TIMELY MANNER. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WA

Complaint narrative:
I opened the NetSpend pre-paid account for the direct deposit of the CARES Act payment. 

I updated my information on the IRS Economic Impact Payments website at. Please see attached. XXXX XXXX XXXX XXXX XXXX   Dear Non-Filers : Enter Payment Info customer : Congratulations, the IRS has accepted your Non-Filers : Enter Payment Info return. 
Your Submission ID is : XXXX If you haven't already, it's always a good idea to print a copy of your return for your records. 

Check the IRS website for the latest info on payment timelines at XXXX : XXXX To confirm your return status, log in to your Non-Filers : Enter Payment Info account at XXXX : XXXX XXXX XXXX and select the " Check E-File Status '' button. 

Payment Status. 
XXXX XXXX XXXX We scheduled your payment to be deposited on XX/XX/2020 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 
On XX/XX/2020, my account ending in XXXX was closed for fraud after I sent in the requested documents for verification. Please see the attached documents. 
I have contacted the IRS about my CARES Act payment that was deposited into this account and they have no issue. 

I was told nothing could be done to reopen my account so my remaining balance of XXXX would be mailed to me within 7-10 days. I gave my information and verified my mailing address and waited for my check. On XX/XX/2020, I received a check in the amount of XXXX. 

I called customer service on XX/XX/2020, to request my remaining XXXX balance be mailed immediately. I was told that NetSpend was investigating my direct deposit funds ( CARES Act payment ) and would mail a check for the remaining balance of XXXX after 60 days. I said that is unacceptable they already investigated my account and closed the account and by law, they are to mail me my full balance within 7days of the account closure. A supervisor then said my issue would be escalated to the global team and they would call me within XXXX with more information. 

As of today XX/XX/2020, the corporate global team contacted me via telephone ( XXXX ) and stated the funds will be released after the IRS has contacted them and verified it is not investigating me for fraud. 

I have attached the correspondence history, the call history and the IRS documentation for your convenience.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hey CFPB, please forward this to Wells Fargo Dealer Services.

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 2020-05-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$350.00} XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$610.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$7800.00} XXXX XXXX XXXX XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I signed up with Freedom Debt Relief back in XX/XX/XXXX, was happy Ill be debt free and theyll help me achieve it and I will better my score afterwards, as of XX/XX/XXXX I have paid a total of {$4400.00} and what i was told as well as what I calculated I have about {$1200.00} to pay off the debt. I never looked at the statements or where the money was going and was mislead about their fees, out of the money I have paid them so far, they have only put {$950.00} towards the debt and they have {$2300.00} for themselves. It is all so misleading and confusing. They have taken my hard earned money. I want all of it back. When I first signed up they said that my credit will get better eventually, but the accounts wont fall off till 7 years. They lied to me and havent even paid off 10 % of my debt. I want my money back. I dont want to do business with them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: MD

Complaint narrative:
Hello, There is a return fee charge of {$29.00} on my Barclay Credit Card account that I requested a refund for. This fee was assessed due to an erroneous return payment of {$210.00} issued by Barclay Credit Card. I've reached out to Barclay via phone on XX/XX/2020 at XXXX XXXX  and spoke with XXXX ID # XXXX, reference # XXXX. I spent one hour and 20 minutes explaining to XXXX the problem. We even had a conference call with the bank from which the payment was drafted and credited from. The bank confirmed that there were enough funds in the account to cover the payment and there were no stop payments or holds on the account. There was no reason that this payment should have been returned and no reason for a {$29.00} return fee charge to be assessed on my account. I am entitled to a credit however, XXXX refused to accept these facts and would not issue my credit. 

I then emailed the company to request that this matter be resolved and that this issue with their employee XXXX be reported to his supervisor XXXX ID # 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 2020-05-13 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: NY

Complaint narrative:
I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: NY

Complaint narrative:
I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next 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 2020-05-13 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: IL

Complaint narrative:
XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Regarding Wells Fargo card account number XXXX On XX/XX/2020, I called the creditor in reference to the above account regarding the debt that I owed them which was on my credit report. I reached an agreement with Wells Fargo to settle the account for XXXX which I gladly paid at the local branch as I needed proof of payment. Wells Fargo has not kept their end of the agreement in that they failed to provide written notification on the account status to me and to the credit bureaus. The file in question continues to report negatively on my credit report which is at this time affecting my ability to purchase a home. 

On XX/XX/XXXX I called Wellsfargo to follow up on the letter and the agent informed me that the letter will be in my hand on XX/XX/2020. 

Today on XX/XX/XXXX, I placed another call to WellsFargo as a courtesy follow up as they have not kept their end of the agreement, their agent XXXX stated that the letter can only be faxed or sent out via US Mail and I questioned him about having the letter sent over via secure email after which he could not answer the questions that ensured. He then transferred me to their Executive Office representative by the name of XXXX who stated that they would open a case file and rectify the matter by XX/XX/2020, which is way too late as it will hinder my closing. 

On XX/XX/2020 @ XXXX, I received an email from a XXXX who stated that she was the one assigned to handle the case and when asked about when the letter would be made available and why the payment has not been reported to the credit reporting agencies she did not have an answer for me instead she stated that she has until XX/XX/2020, which is not going to work as the terms of the agreement were that they would have the information updated by XX/XX/2020, which as since passed at this time. 

This is an urgent matter which Wells Fargo needs to resolve.

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 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
1 ) State Farm bank is over charging me on my month payments amount I pay my own property taxes and insurance. 
There is a escrow account for flood insurance which is XXXX a year Flood insurance account is all the escrow account was set up for. 
They just paid the flood insurance the escrow account has a balance of {$3400.00} currently Loan amount {$400.00}. At 4.5 % =. {$2000.00} amount XXXX divided by 12 =XXXX So my payment should be around {$2200.00} a month it is {$2400.00} 2 )  They added two XXXX  inspection fee They told me this was the make sure the property was not abandon we live there the pass 15 year We have never been late on a loan payment. 

3 ) we had the same property insurance for 15 year they always CC me when they send the XXXX XXXX certificate out But State Farm in the 4 year they been our mortgage service provider They aways claim. they did get it even when you send it to the address Email address, and fax number they provide

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2020, a company called EOS CCA started reporting 4 medical  collections on my credit report. I have yet to receive any type of corresponce from the company regarding this debt. I should have at least received a debt validation notice in the mail, but I haven't even received a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. DEPTEDXXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX  XXXX {$730.00} XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation