vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
Discover demanded me to authorize them to obtain by tax returns from IRS, I have never heard that credit card institution or obtained consumers records from IRS.

I feel Discover had discriminated against me for being perfect customer and NEVER BEING LATE : I feel that credit card company had chosen this route accurately predicting that I would refuse.

I strongly feel that real reason for Discover discrimination against me is that 1. they owed me rewards money, 2. they were never able to charge me late fees or any other fees 3. they did not wanted pay rewards I earned 4. Discover breached their terms and Conditions and had chosen convoluted way to close my account and refuse me from their service also vindictively ruining my credit report.

I request Discover to confirm clearly 1. why they had chosen to discriminatively " update and maintain my records via IRS 2. remove adverse notes from my credit report as it adversely affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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 belongs to someone else
Company: Sterling Infosystems Inc.
State: OR

Complaint narrative:
Fathers info is in my background check

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX S.S.N : XXXX vs. 

XXXX XXXX. - NETSPEND INC. - XXXX - WWW.NETSPEND.COM EXEC. XXXX XXXX EXEC. XXXX XXXX XXXX XXXX COMPLAINT I, XXXX XXXX XXXX, PURCHASED AN VISA-NETSPEND PREPAID DEBIT CARD - LAST 4 DIGIT # :XXXX - EXP.DATE # : XX/XX/XXXX - CVZ # : XXXX - PIN # : XXXX - ACCOUNT # : XXXX.I HAVE CONTACTED MULTIPLE VISA REPRESENTATIVES ON BEHALF OF MY DIRECT DEPOSITS AND ACCOUNT SECURITY.I RECEIVED POOR CUSTOMER SERVICE IN : 1. ) INITIALIZING MY PREPAID ACCOUNTS 2. ) ACCOUNT SECURITY 3. ) DIRECT DEPOSITS 4. ) CORPORATE INVESTMENTS 5. ) LOST/STOLEN CARD SUGGESTIONS AND  RECOMMENDATIONS ON ACCOUNT OF POOR CUSTOMER SERVICE EVERY SESSION, I ASSUME I AM TARGETED BY THIEVES, ROBBERS, HACKERS, AND CRIMINALS.I DEMAND FOR MY ACCOUNT VALUES AND SECURITIES TO BE RESTORED AND DELIVERED IMMEDIATELY. XXXX XXXX XXXX. DATE : XX/XX/XXXX, TIME : XXXX : >>>>>>>>>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I HAVE IDENTIFIED INACCURATELY PLACED ACCOUNTS ON MY CREDIT REPORT. THOSE ACCOUNTS ARE NOT LIABLE TO MY NAME AND I WOULD LIKE FOR YOU TO CONDUCT A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THOSE ACCOUNT REMOVE OFF MY FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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: GA

Complaint narrative:
XXXX  is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX 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 non-monetary relief
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2019-12-18 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: GA

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019

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 2019-12-18 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: TX

Complaint narrative:
Before submitting a complaint through the CFPB, we are required to disclose who is submitting this information. I chose " Just me '', however, I was told that Equifax would not respond to my complaint on XX/XX/2019 because they suspected me of using credit repair services. I submitted the complaint on my own. I have attached a screenshot of my browsing history showing where I visited a website with the FCRA laws and submitted my complaint after. I would like to be treated justly and according to the law that Equifax is required to adhere to. The FCRA also states that a consumer reporting agency may furnish a consumer report to a person which it has reason to believe has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer. 

If this is the law, I'm confused on why Equifax would refuse to respond to my claim because they believe that I am using a credit repair agency. If they believe that I'm using a credit repair agency, they would also understand that this type of business can not operate without consumers reports ( legitimate business reason ) and they would know that a credit repair agency would not have any way to send correspondence about a consumer to them if the consumer had not provided their personal information and permission ( initiated by the consumer ). 

Equifax failed to use this same type of regard and care with me as a consumer when dealing with creditors. 

Before I contacted CFPB, I attempted to send letters, call, fax and submit a dispute online. I have attached a screenshot of the error that I repeatedly received after sumbitting my dispute online, the dispute phone number continued to give me an error and the verification process to speak about my account with a phone representative asks for every account listed on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services
State: WI

Complaint narrative:
received information in mail that my I was pre-approved for a loan. 

Being close to XXXX I applied on XX/XX/19 again because I applied 5 month ago and did not accept the loan. I telephone them and inbox indicated they had my prior information but I need to reapply, so I did on XX/XX/19, they indicate I would get a fast approval and Find Out Within Seconds If You Are Approved. they took my information online and someone was to call me but never did. 

I called them at XXXX and they indicated they do not have my information anymore and do not know who got my information at their company. 

now I am afraid about ID Theft because they are not follow FCRA in my case. 

spoken to them again to try and solve this problem and they " XXXX '' indicated they had a uploading problem and would call back however, I never received any further notices from them other than the pop-up saying I would receive a call from them to fund the application/loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX  XXXX XXXX Chapter 7-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Equifax regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there are 3 personal details appearing on my credit report under 'personal information ' which are NOT ACCURATE and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses ; as they have NOTHING to do with me and are compromising my integrity. I have no association with the following listed name, address or employer. Please delete the following as well : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX Ca 3 ) XXXX XXXX ( Employment )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To whom it may concern, I leased a XXXX  XXXX ram in XX/XX/2016 from a leasing company ( XXXX XXXX  ) and signed a contract for a XXXX mile allowance. I returned the car with a little over 43,000 miles and later received a bill from the bank associated with the lease ( ally financial ) for milage in excess of 13000 miles. I asked Ally for the contract they had on file and they sent me a contract with different milage and a forged signature on it. This was not the contract I signed. Instead it was altered and then someone else signed my name on it. Ive attached the paperwork. 
I went to the dealership at XXXX  XXXX XXXX in person to see if the issue could be resolved. Instead, I was treated with a high level of disrespect, they wouldn't show me their version of the paperwork and was essentially thrown out of the dealership. 
Attached, is proof of all the paperwork I've mentioned above. Please feel free to call or email me to speak further.

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 2019-12-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase a XXXX XXXX at XXXX XXXX, located in XXXX XXXX, NY for the amount of {$190.00}. Couple days later Ive successfully returned the item back to the store, following the XXXX Return XXXX. XXXX Representative used the return label, attached to the product, and printed the return receipt, copy of which could be found as an attached .PDF. Even though, Ive been assured by the representative, that the refund should be posted back to my account in 3-5 business days, Ive never managed to discover it been posted actually. 

Under Fair Credit Billing Act 15 USC 1601, Section 166, Im expressing my intention to pursue to the request the refund of {$190.00}, back to my XXXX account. As it had been previously stated, Ive followed the XXXX Return Policy and was promised a credit to be issued. I have addressed this issue promptly to Macys customer support copy of a letter could be found attached in the form of .PDF, as well as vocalized my issue in a form of FTC Complaint, copy of which could be found attached as well. 


Im kindly requesting AmEx to issue {$190.00} in a form of a refund back to my XXXX account. 

I have retained a copy of this letter for my personal files. 

Regards, XXXX XXXX XXXX [ End of addendum ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX XXXX XXXX Chapter XXXX-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Transunion regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there is personal informations appearing on my credit report which are not true and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses as they have NOTHING to do with me and are compromising my integrity. I have no association with these names or home or work addresses. Please delete the following as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Ca

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 2019-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XX/XX/XXXX I was in Federal Court with JPMChase. This was an old WAMU HELOC loan. 
It was discovered that WAMU had inadvertently released my HELOC ( XX/XX/XXXX ). 
Consequently allowing a bridge lien holder to now take first position. 
Chase agreed, before The Honorable Judge XXXX, to correct this WAMU error. It was also found that that XXXX, under WAMUS direction had improperly titled the original note. Chase agreed to correct this and I could piggyback on their action against XXXX. Despite multiple emails to JPMChase, attempting to find the status of their action, nothing was ever done. Relpies were Im Checking. 

In XX/XX/XXXX I received the attached notice that the debt has been cancelled!! 
This is IMPOSSIBLE due to the fact that the debt had been cancelled in XX/XX/XXXX inadvertently by Chase. 
Chase NEVER had possession of this loan. 

In a meeting with an attorney who reviewed my documents, I was told to notify THE CFPB because this was FRAUD on behalf of JPM Chase. 

Needless to say this has caused severe adverse consequences to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the FCRA ( fair credit reporting act ) TransUnion is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/2019, the second letter XX/XX/2019, and the third letter XX/XX/2019. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that XXXX delete all of the following unverified accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2019 I initiate it a HELOC application with the Bank of America I submitted all my paperwork the XX/XX/2019 I initiated a HELOC application with the Bank of america I submitted all my paperwork it would took several weeks the last question that was asked of me was too receive information from my XXXX that I will be receiving payments for the next 3 years when I contact it are XXXX Department they said they could not make such claims and because my XXXX couldn't state that I would be active for the next 3 years I was turned down after,. I feel this question should have been presented weeks ago instead of putting me through the tedious task of XXXX all this information they requested and I think this was out of the blue I've never been asked to give a prediction as to how long I would be receiving my XXXX and all the years that I've been on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: AL

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.

Company response to consumer: Closed with non-monetary relief