vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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 did not authorize or give consent to XXXX/ XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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:
I did not authorize or give consent to XXXX/ XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I asked Wells Fargo to add a friend of mine to be an authorized user on my credit card account. I did not ask to add her as a joint account holder. She only had a card with her name on it. The account is mine and I opened it in XX/XX/XXXX. I recently asked Wells Fargo to make that card invalid and remove my friend as an authorized user. Wells Fargo reported to the credit bureau that the account was closed and this affected my friends credit score and it went down 100 points from XXXX to XXXX. The account is not closed and she was simply removed as an authorized user. My credit score was not affected at all because the account is still open and I am the account holder. 

This is unfair credit reporting. I know this because I am an authorized user on my employer 's credit card account. If I quit my job and they take me off as an authorized user this should not reflect on my credit history because my employer 's account will still be in good standing and I am not responsible for the account after I am removed as an authorized user and my credit history should not be affected. Wells Fargo is committing fraud by falsely reporting that my friend closed the account when the account is actually still open. This violates the fair credit reporting act.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I received a letter dated XXXX XXXX from Bank of America, Reference number XXXX. This letter thanked me for my interest in the XXXX XXXX XXXX Visa XXXX  card and that they needed to speak with me to verify information on my application. 
I NEVER applied for a XXXX XXXX XXXX Visa XXXX Card. I phoned the number on the letter XXXX immediately to notify Bank of America Fraud Department. I was told the applicant used my full name, address, date of birth and my SOCIAL SECURITY number. I requested that they send me a letter stating that the application was canceled and no credit card was issued and notify the credit bureau. I spoke with 5 individuals, XXXX, XXXX, XXXX, XXXX and XXXX who said they would take care of it and have received nothing. It has been over a month. I have no closure in this matter.

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 2020-03-23 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: SC

Complaint narrative:
I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: DISCOVER BANK
State: NV

Complaint narrative:
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : Discover FIN SVCS LLC Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I received a {$95.00} charge on my amex travel card. When I go online it states the rates and fees are the same as the basic card. So I click on that link and it says NO FEE. I chat message with custoemr service and they say no there is a fee but all basic marketing materials show it has NO FEE. They send me a link to a 28 page document that says there is a {$99.00} fee. I tell them this is deceptive that their marketing material shows no fee but that the fine print shows a fee. They refused to refund the fee. 

This is the link it directs you to which states NO fee : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaGold-CardMember-click-filmstrip : delta-skymiles-blue-american-express-card https : //www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/delta-skymiles-blue-american-express-card/36182-11-0/ # FeeTable This is the page with the broken link that directs you to the link above : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaBlue-CardMember-click-filmstrip : delta-skymiles-gold-american-express-card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: SC

Complaint narrative:
A Discover credit card was opened fraudulently with my information. After repeated disputes via credit bureaus the account still stands with the results " data furnisher verified information ''. However after repeated written and electronic requests sent to Discover personally requesting documentation obtained at time of opening/verifying the accounr, they have ignoredballbrequeats. ( Because I'm sure they do not have any ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent a validation request and also requesting proof of the debt which I never received from this collection agency.I sent a certified letter on XX/XX/XXXX tracking number is attached in the files. Company never responded. 

on XX/XX/XXXX I sent a demand under FDCPA a letter advising LVNV was in violation for not complying to my first request sent on XX/XX/XXXX. This company still has not responded. Please see both letters attached with tracking numbers. LVNV is is violation with FDCPA, FCRA and also Texas debt collection practices. 



Second letter with tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I pulled my credit to discover  that XXXX  is reporting mortgage lates from XXXX XXXX I researched and discovered that they are affiliated with XXXX XXXX XXXX. I had a mortgage approximately 10 years ago. The information is incorrect XXXX  will no longer investigate as they claim the information is correct ... it's not. I've spent hours getting sent from department to department, given email addresses that are no longer monitored. I'm angry and frustrated. My social security number ends in XXXX. The purported account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First FCU, headquartered in XXXX, UT, has done almost nothing to combat the spread of the coronavirus. While considered an essential business that must remain open during this pandemic time, they have only closed a few of their branches and keep most of the branch lobbies open to all. This is very concerning and does nothing to prevent/slow the coronavirus from spreading. Many other financial institutions have made the ethically right move of only keeping their drive-thru open at branch locations, but closing their lobbies. America First FCU appears adamant on keeping their lobbies open, which puts their employees and their membership in highly increased danger of contracting and further spreading the virus. They do not care if this means people in their organization and in their communities become ill or worse. This is unethical and disreputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Today XX/XX/2020 it took me 1 hr before finding someone. they offered a balance transfer months ago. I had a purchase previously. I realized after months that the capital on purchases keep increasing every month while the balance transfer decreased This is a money I will never finish payin ; from XXXX XXXX XXXX Purchases bal {$5400.00} while transfers {$3600.00}. 
XXXX purhases become {$5600.00} bal transfer {$3400.00}. 
XXXX XXXX XXXX purchases : {$5700.00} bal transfer {$3300.00} No money will be taken from purchases until the full transfer amount is paid in full. I was never told that otherwise there is no way I would have accepted the deal from the bank. 
I spoke to XXXX at XXXX XXXX. I asked if they can make ONE SUM  from the 2 and deduct the money left after payment of their interest. I will never finish paying those days where things are hard the bank should give a help to consumers. And BOA keeps adding a credit line and taking it after a few months make my credit score fluctuates all the times. 
My rate is 14.74 % they keep playing with me. the strategy is a fraud.

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 2020-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a 3 Ton Hydraulic spring compressor from a website that appeared to be legitimate. The website ended up being fraudulent and never delivered the product. When I opened a dispute with XXXX originally the seller then sent a single envelope with a page of stickers in the shapes of stars to satisfy the requirement that they show that something was shipped. XXXX would no longer accept my dispute and suggested I contact my card company. I contacted Capital One on XX/XX/XXXX to let them know what happened. They mailed me a disputes form which I provided all the information they requested but then got a letter indicating my dispute was declined. The reason for the declination is that they said they received my mail, but they didn't get a date that I canceled the transaction ( something completely irrelevant to this situation or dispute ). As far as I'm concerned Capital One and XXXX are both providing scammers the ability to setup these fake sites and send untraceable money through them using fake information. Neither of these companies have attempted to resolve any part of this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: Lending Club Corp
State: NV

Complaint narrative:
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} Lending Club CORP Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Financial Assistance Inc
State: NV

Complaint narrative:
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} Financial Assistance Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: SC

Complaint narrative:
I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
1. ) Account XXXX Date Opened XX/XX/XXXX /Original Balance {$14000.00} and 2. ) Account XXXX Date opened XXXX XXXX/Status closed charged off/Balance XXXX are being reported falsely and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. Negligence from their part. I need this help from you guys please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Amount : {$2000.00} Creditor : Capital One Transaction date : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX On XX/XX/2019 I was charged {$2000.00} for a hotel reservation that was canceled within the allowed grace period for a full refund. Capital One issued a temporary credit that was eventually rescinded without an explanation. 

I have attempted to resolve this issue with both the merchant and the card issuer. The merchant has directed me back to Capital One to resolve the matter. Capital One has never given me an explanation for this issue. I never stayed at this hotel not did I receive any services from the merchant.

Company response to consumer: Closed with explanation