vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}

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 2020-08-10 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX  XXXX {$220.00} XXXX   XXXX {$280.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX  XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am having a problem with Mortgage Company in regards to miss handling my money every year there is a SHORTAGE ( this year was 1/3 of Escrow {$1000.00} ) they will NOT talk to me. They just send the paper work & it show everything looks good. When I ask why this keeps on happening they will not answer. Last papers sent had a contact number and person, call & left messages but NO reply.Have also filled complaint with cfpb just sent the papers showing thing were ok, but still no answer of why & how. Have also in letter ask to have Escrow returned back to me.They said NO to bad.How do I fill a Dispute with Mortgage & cfpb or find Legal help.I am at a dead end & this Shortage ( of the Large amounts is not being done correctly ) needs to be fixed.As I have done my own Escrow 30-35 yrs. with NO problems.Need to talk to someone that will listen to what I am trying to tell & not just look at the paperwork, look in between the lines & see the on going problem. I also have found that this Mortgage Company has been to Court by the cfpb a few times for many things. With the shortages they just put another loan on top of the main Loan, now there is 2 more along with the main loan.I am filling like I am going to lose my Home. Please can you help or help me find some help.Please call so I can explain in detail better then trying to write.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: KY

Complaint narrative:
There are 3 inquiries that are showing on my credit report that were never authorized by me. I have reached out to the 3 companies and all agree they have no record. I have disputed this with Equifax on multiple occasions and they continue to claim the information has been " verified '' and fail to provide any proof ( because there is none, these are inaccurate ). In the most recent dispute one of results states that one of the inquires isn't on my report, when it clearly is there. The three inquiries are from XXXX, XXXX XXXX and XXXX XXXX. These are inaccurate and fraudulent and Equifax refuses to remove the inaccuracies therefore hurting my creditworthiness and tarnishing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My complaint is about my Chase XXXX card. 
I have a Transaction in the amount of {$280.00} that I have reported and disputed with Chase since the day it happened on XX/XX/2020. 
I have attempted to dispute this charge on XX/XX/2020, the day it happened, again on XX/XX/2020, and again on XX/XX/2020. 

On XX/XX/XXXX, I received notice that the dispute had been denied because " a significant time has passed ''. 
I did my due diligence, I don't see how I should be punished for Chase 's lack of response The timeline follows : On XX/XX/2020, we found something online and decided to purchase. 
When I entered my Chase XXXX information and hit Submit, I immediately got a Chase Fraud Pop-up warning and received a Fraud alert email I received no notification from the original site, no order confirmation, no order number but I did find that the charge of {$280.00} was on my credit card. 
I researched the web site and found numerous complaints about non-delivery I called Chase that day, XX/XX/2020, and told them what happened. 
Chase issued a replacement XXXX  card with a new account number, issued a temporary credit for the disputed amount, and apparently initiated a Fraud investigation On XX/XX/2020, I received a notification that there was a resolution to the case The fraud case was dismissed because I had " Received benefit from the Transaction ''. 

On XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that instead of fraud, I needed to dispute the charge. 
On that day, XXXX XXXX, I disputed the charge online and followed up in writing via mail and fax with the details about the fraud alert and the charge being on my account. 

On XXXX XXXX a full month later, I received notification that they had received and were reviewing my dispute. 
On XXXX XXXX, I received notification that the dispute was denied because it wasn't fraud That day, XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that I needed to re-dispute the charge citing the reason as non-delivery of merchandise. 
I re-disputed the charge that day, XX/XX/2020, in writing via mail and fax On XXXX XXXX, 2 weeks later, I received notification that they had received and were reviewing my dispute. 

On XXXX XXXX, I received the final resolution that Chase had found for the merchant because " a significant time has passed '' I feel I did my due diligence in reporting this to Chase on 3 different occasions and should not be punished because of their slow response and misdirection on their part In XXXX, 2020, I tried to contact the original merchant but the website had been taken down, the telephone number and the email address I had for the merchant was no longer in service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: IL

Complaint narrative:
I am contacting you regarding errors and inaccuracies which Equifax is not correcting that my credit report. I am disputing the following items appearing on my credit report along with specific reasons for this dispute and thereby I am asking these to be removed as set by law. 

The accounts in question are the following XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX -The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX   Equifax Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the information is not accurate and by law has to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Suntrust ( Truist ) on XX/XX/2020. The account was funded with an initial {$100.00} ( also XX/XX/2020 ) and I subsequently had two deposits from the SBA for the EIDL grant {$10000.00} ( XXXX XXXX ) and deposit of {$25000.00} for the loan. On XX/XX/2020, I was contacted and asked to provide a EIN letter of verification. I submitted it and was informed my account was approved. On XXXX XXXX when I logged in to the online account, I noticed there was no checking account listed. I called and was informed my account was being closed. I asked why, she said because no deposits had been made which is odd because I had two. She also confirmed that it would take 10-15 business days and they would send the check by mail. During my wait, I received an email invite to complete a survey and I did. I had been extremely disappointed with my experience with the bank and I voiced that in the survey. A representative from the company, XXXX XXXX contacted me on XX/XX/XXXX and told me that the reason I had received my check was because the fraud department put a hold on my account and I needed to send in notarized proof of business. I submitted that XX/XX/2020 at XXXX XXXX CST. XXXX acknowledged my email XX/XX/2020 XXXX XXXX CST. It is XX/XX/2020 and I have yet to receive a check. I called in at XXXX XXXX CST and was informed by representative that they were still " closing the 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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I closed my account in early XXXX. Ally Bank promised to refund my balance within 10 days. I never received a check in the mail. In early XXXX, I contacted Ally Bank to notify them that I never received the check. The made me fill out a lost check affidavit and promised to send the check within ten days. A week later, they told me that the affidavit needed a e-signature, so I complied and filled out the form again with an e-signature. Two months went by and I never received a check. I reached out again to Ally Bank and they are now telling me that I need to send in the affidavit with a physical signature. Ally Bank has made zero efforts to return my money. They seem to be making it excessively difficult to return my money and keep giving me different answers about what I have to do to get it. Avoid this bank and stick with established banks -- they are more responsive and less shady than Ally Bank.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I take care of my mother with XXXX Im out the country a lot. During the corona her XXXX home day program closed down. I did not get alerts to the pay the Commenity bill. I asked several times for auto pay. Supervisors did not look into it to help me. I found out months later that they had auto pay which could have avoided the 2 late fees totaling {$75.00}! They refuse to help because they did before in the past for a different situation. Its a pandemic! I will pay the account in full the Promotion minus the late fee but they are threatening to add {$500.00} to my bill saying its not paid in full, I will pay all the Past interest. How can you say that the agreement was paid in full. The late fee is not part of the original agreement. This credit company is strong arming people during Corona. I would like to mail a letter to the CEO XXXX XXXX for these heartless practices

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I use the service digit to help me manage my savings. Its linked to my PNC checking account, I recently forgot my password to that account and locked myself out, now I am unable to restore the connection between my bank and digit because its saying that PNC no longer allows this. I have money in my digit savings account that I now dont have access to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello!! 
For the past 3 months, I have contacted all 3 major credit bureaus throughout my break and lunch, to try and have the freeze, block and fraud alerts removed from my personal credit. Unfortunately- I have to force myself to take time to do this- because I am an essential worker. 

I have been told by representatives at the bureaus they have been removed the information However, I tried to obtained financing and I have either been denied because they cant verify my information or I have been told to go back to the bureaus and have the freeze or block removed from my credit. 

Again- we are going on 3 months!!!

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have been unemployed due to COVID from XX/XX/XXXX to  current. On XX/XX/20 I logged onto my UI accounton the Georgia Department XXXX Labor website and saw that money was being added to my account for unemployment benefits on a Way2Go Debit card that I had not received. I checked and my card had been mailed to an old address ; therefore I never received it. I have now updated my mailing address on the XXXX website. However, there is not an option to have a new card mailed to me at my correct address. The number for the Way2Go debit card given to call to ask for a new card or submit an issue with a lost/stolen card, does not work. It says it does not recognize my account after I enter in my SS, birthdate, and correct pin. It then hangs up on me. I've called again three times today, XX/XX/20, and I still can not request a new card to be mailed to the correct address so I can receive my funds. The XX/XX/XXXX websiteon my account says that a total of {$6700.00} in benefits has been added to my account. Iam simply requesting that I get a new card mailed out to my correct address so I can receive my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}

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 2020-08-10 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NH

Complaint narrative:
My Thank You Visa gift card expired XX/XX/2019 before I used any of the $ XXXX balance. 
I'm unable to reach an actual person at Myprepaidcenter.com & I'm being charged a monthly fee of {$3.00} leaving me with a balance of {$68.00} & no way to use the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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 have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
At the end of XX/XX/2020 we received our XXXX statement in which it showed our mortgage payment was increasing by $ XXXX. When we called they stated that it was due to an escrow analysis and the escrow account was short so we needed to pay back into the escrow and also the escrow for the year ( 2020 ). We asked for assistance in an adjustment due to the fact that $ XXXX increase in the middle of a pandemic is a financial strain on our family. They stated that they did not have the homestead exemption on file and we needed to send this to them so that they can make an adjustment that was properly calculated as at the moment they were over calculating our escrow amount. We sent them the trim notice on XX/XX/2020. We received receipt notice from XXXX of our trim notice being received on XX/XX/2020. It has been over 5 months and we have yet to have this resolved. We spoke to an escalation supervisor on XXXX by the name of XXXX XXXX and she stated we needed to start the process again and submit the trim notice again and request the escrow analysis again because they never processed our initial request. This is ridiculous and it is causing strain on our family that is already going through a financial hardship.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation