vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I worked for a company, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX XXXX XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company business credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because the attempted use were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally I used my money from my personal bank accounts to pay back the company for my personal XXXX  purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX XXXX  debt. I simply paid them for my XXXX  that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my XXXX XXXX has plummeted to below XXXX for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given XXXX  XXXX access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation 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 explanation
Consumer complaint received 2020-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, XXXX, and Transunion and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. Transunion said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX   deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports

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 2020-09-28 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:
I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to equifax, XXXX, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX  said that they refused toblock my fraudulent items or dispute them. Equifax wont even answer or respond. and equifax must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX deleted XXXX XXXX and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I made a payment to my WSFS Visa card via electronic transfer from my WSFS checking account on XX/XX/XXXX. Typically, it takes them 3 days to clear, so I waited before contacting them. When I did contact them, they stated that they only apply payments at the end of the month, but that I could call the XXXX number on the card if I need it processed sooner. 

On XX/XX/XXXX, I called the number on the card. After spending XXXX minutes on hold while the customer service rep investigated, he determined that he could not do anything about it. So, I am now 11 days in on making a payment from my WSFS checking account ot my WSFS credit card and they still have not been able to apply the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: AL

Complaint narrative:
I have sent three letters challenging the accuracy of this account one on XX/XX/XXXXXXXX  and the other on XX/XX/XXXX and one on XX/XX/XXXXXXXX  and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those account payments? 

I also include a copy of my last letter sent on XX/XX/XXXX to Equifax Number :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I worked for a company, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX # XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company cusiness credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because they were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally i used my money from my personal bank accounts to pay back the company for my personal XXXX  purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX XXXX  XXXX. I simply paid them for my XXXX  that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my XXXX XXXX has plummeted to below XXXX for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given XXXX  XXXX access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation 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 explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I spoke with a representative on XX/XX/2020 and told them I was having problems paying my bill due to COVID-19. Chase calls my cell phone number 3 or 4 times a day, leave me messages, and sent me emails about the bill. I am having a hard time paying because I have XXXX  XXXX jobs since XXXX 2020. I have barely enough money to buy groceries since they cut EDD benefits. I have 2 credit cards with them Southwest Chase and XXXX XXXX credit card. They lowered the credit card balance on one card and on the other card they raised the payment amount to 3 times the amount. Chase has been known to be a prejudice and XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I received a delinquent notice from Dovenmuehle for my XXXX mortgage. I had mailed that check on XX/XX/XXXX. 

I received a mortgage statement for XXXX in the amount of {$2200.00}, which includes a late fee and XXXX and XXXX payment amounts ( despite my having mailed my XXXX check on XX/XX/XXXX. ) I have now paid that amount ( over the phone, which they have not processed, although I have a confirmation number ) and my XXXX amount, which they processed on XX/XX/20. I should be paid at this point through XXXX, but I can not get through to anyone there ( I have been on hold today for about an hour, and I sent an email. ) I am trying to understand why I needed to pay a late fee, and I am seeking confirmation from them that I am well-past caught up on what they think I owe. 

Additionally, I received a notice that my mortgage is being transferred on XX/XX/XXXX, but I received ( and paid ) the XXXX statement from Dovenmuehle, as it came from them and I got nothing from the new servicer. 

Finally, there is an error with the online portal- when trying to register, a strong password populates the SSN field, allowing no possibility to create an online account, which is preventing me from checking my balance on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/20, My debit card information was compromised and had 3 unauthorized charges at XXXX XXXX totaling {$2000.00}. One charge was made at store location # XXXX and the other 2 were  made online at XXXX. I called Bank of America multiple times, and each time I received a different answer from every agent. They advised I was unable to do anything until all 3 transactions had posted. I followed their directions and filed a police report as well. I still felt like the information I was given from Bank of America was not accurate. I called one more time, and finally the agent blocked 2 of the 3 transactions from posting to my account. The 3rd payment however posted to my account from XXXX XXXX # XXXX in the amount of {$660.00}. I again followed the agents directions and opened a claim for the 3rd transaction posted in the amount of {$660.00}, and within 1 week the claim was denied. Bank of America said the claim was posted to my account correctly even though I did not make this charge to my account and I am unable to get this money back. I called and asked to speak with a manager and the agent advised me there was no one else that I can talk to.  The agent also said she can not reopen my claim. I asked to see how Bank of America reached their decision, and the agent denied me viewing that information even though I have a right to my own information. Bank of America did not even take the time to research my claim. If they did in fact research my claim, they would see that I do not even have a XXXX XXXX  membership, nor in the past have I ever done any business with XXXX XXXX. This charge was not made or authorized by me the account holder and now they are refusing to give me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to get my free credit report from Equifax. They continue to tell me that online delivery is unavailable. They are requesting that I send my personal information via mail to them which is out of the question, they have proven to not be careful with my information before so I do not trust this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: NY

Complaint narrative:
I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of the fair credit reporting act,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
Quicken Loans had been taking our mortgage payments but not applying them to our loan or balance. They had intentionally misapplied our payments to a suspense account for over 13 months which reached over {$10000.00}. This caused us to pay interest on a higher balance than we should have, if they had applied the payments in an accurate and ethical manner. It took over 2 weeks of calling their office and eventually contacting the executive office to get the funds applied. However, Quicken Loans has yet to refund us for the amount we paid in interest due to their illegal practices. They also falsely stated to HUD that we were not paying our mortgage and that we were delinquent, which caused many issues in our process of buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
this is a account that I never open or apply for.I file a ftc report, they still with no proof said it was mines, so i file a police report too and the credit bureaus and wells fargo/XXXX XXXX still wont remove it from my credit nor forgive the debt

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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
XX/XX/2020 I received debit card in the email. Immediatley tried to call PayPal. Waited on phone for 41 minutes and was told someone opened an account on XX/XX/2020 with my name, ss, address -- their email and phone number. I was told I had to be transferred and they could help me. The phone was disconnected. I have tried all afternoon and you get hung on you can't even protect yourself from losses because you can't report the fraud. I have tried 3 XXXX # 's and Can't get a person on the phone. I am concerned. my credit is already locked so I am unsure how this happened. I have not activated the card as I do not want them having my info. Please help me report this to PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 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: FL

Complaint narrative:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *On TranUnion : XXXX XXXX XX/XX/2019, XXXX XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely 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 2020-09-28 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:
I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of 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 explanation