vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was issued a Bank of America ( BOA ) credit card and I never applied for it. Now BOA has sent me a {$95.00} bill for card services. I tried to contact them via phone and was told that they can't access my account without my social security number or the email used to create the account. I'm not giving BOA my SSN under these circumstances and I can't provide them with an email account I never used to sign up with. I was told on the phone to go to a branch office. When I showed up to the bank they told me that it was only a teller bank and I would have to go to another bank that is 30 miles away. I feel at this point that someone at BOA created this account without my permission.

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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/2020 : I wanted to connect my banking information to XXXX XXXX and was told to go to CFPB to have my bank connected to the app once I had put in my credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
This complaint is about Equifax 's failure in their investigation to correct an error on our behave based on our consumer credit report of our XXXX Account ( mortgage account ). 
On XX/XX/2020, we submitted a credit dispute with Equifax based on their erroneous credit reporting that our XXXX Account was in : 1 ) Comments Section : ACCOUNT IN FORBEARANCE and 2 ) Terms Frequency Section : DEFERRED and 3 ) PAYMENT HISTORY for XXXX, XXXX, XX/XX/2020 PAYMENTS SHOW AS NO DATA AVAILABLE When in fact our XXXX ACCOUNT WAS NEVER IN FORBEARANCE and all payments were made to XXXX, including XXXX, XXXX and XX/XX/2020. 
On XX/XX/2020, Equifax completed their credit dispute investigation into our XXXX Account and has failed to correct their error. Their results still show that our XXXX Account is still Account in Forbearance. They have failed to remove the forbearance off from our XXXX Account. 
WE ARE DEMANDING THAT EQUIFAX CORRECT THEIR ERROR ON OUR CREDIT REPORTS BY REMOVING THE FOLLOWING OFF OUR XXXX ACCOUNT : 1 )  COMMENT AND CONTACT SECTION REMOVE ACCOUNT IN FORBEARANCE AND 2 )  TERMS FREQUENCY SECTION REMOVE DEFERRED AND 3 ) PAYMENT HISTORY SECTION - TO REPORT PAYMENTS MADE FOR XXXX, XXXX AND XX/XX/2020 BY REMOVING NO DATA AVAILABLE FOR THOSE MONTHS SINCE ALL PAYMENTS WERE MADE TO OUR XXXX ACCOUNT ON TIME AND OUR ACCOUNT WAS NEVER IN FORBEARANCE, THEREFORE, THEY MUST REPORT THESE PAYMENTS WERE MADE. 

Please see the following attached supporting documents : o Equifax Credit Dispute Results Dated XXXX for Both Borrowers x 2 o Equifax Credit Reports Dated XXXX and XXXX for Both Borrowers x 2 o Letter from XXXX Removed Forbearance - XXXX o XXXX Account Not In Forbearance - XXXX o XXXX Account Payment History Report - XXXX o Demand Letter to XXXX to Remove Forbearance XXXX o XXXX Acknowledgment Email - Cancel Forbearance - XXXX WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND ARE UNABLE TO DO SO BECAUSE OUR XXXX ACCOUNT IS ERRONEOUSLY IN FORBEARANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On Thursday, XX/XX/2020 I relied on false and misleading information from a website maintained by Synchrony XXXX to my detriment. 
I had the need to hire a plumber and wanted to use my Synchrony XXXX card to pay. Aware that merchants need to be part of the XXXX network or they can not be paid from the card, I called the number on the back of my card, ( Monday, XX/XX/2020 ). I was referred to the Synchrony XXXX vendor list and I found a merchant on that list. Relying on the information provided by Synchrony XXXX from the website maintained by Synchrony XXXX, I hired the merchant. 

When it came time to pay, the card would not go through. I checked and received a multitude of different explanations. After 6 hours spent with Synchrony employees involved finger pointing towards myself and the merchant and denial of his status as a XXXX merchant, I took a screen shot of the Synchrony XXXX site. Three days later, the site still posted him as a XXXX merchant. The site listed the merchant under Synchrony XXXX XXXX XXXX furnishings. Due to false information provided to me by Synchrony Bank through a website maintained in the regular course of their business, I need to scramble to gather {$3000.00} during COVID. An amount I budgeted for by 6 months payments to the XXXX card.

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 2020-07-31 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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}

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 2020-07-31 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 downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXXXXXX {$290.00}

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 2020-07-31 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: GA

Complaint narrative:
i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the TRANSUNION, XXXX   AND 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 2020-07-31 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXXXXXX {$1000.00} XXXX XXXX {$2600.00}

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 2020-07-31 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$1000.00} XXXX XXXX {$2600.00}

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-07-31 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX {$1000.00} XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
SunTrust-BB & T-Truist Merger// Upon giving the banking institution my new email, phone numbers and update info, I discovered the account had been frozen because someone made unauthorized changes to the account ( XX/XX/XXXX discovered misuse of info ). They began creating monitoring services or secondary image accounts only accessible to them. Where hacking, fraud, stealing commissions, deceptive ethics are used for benefit ( Pacing XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Unauthorized transactions ). XX/XX/XXXX, during pandemic XXXX was taken from acct thru XXXX, I contacted XXXX for refund XX/XX/XXXX when I check the acct, I don't have whtever the purchas was or approved it. They extended their response from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they mentioned giving merchants time to respond, I told them I wasn't interested in the pyramid pool someone created and just wanted my money. I discovered a XXXX XXXX from the XXXX account to the now Truist Bank. I also discovered changes in other services I didn't approve. It appears they're stealing or over charging me for some reason, but they haven't explained it to me. I want to know what is going and why I'm being financially harrassed by an over eager bank representative.

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 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have experienced multiple fraud attempts and transactions on my account and I can't access my funds. I have put in a dispute with the bank and it was dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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.

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 2020-07-31 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 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.

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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken Loans California XXXX XXXX and XXXX XXXX who are both NOT NMLS licensed continuously robo call me with recordings of their hourly interest rates. I asked them four times to stop, to put me on a Quicken Do not call list. I told them the phone they are dialing is already on the national do not call registry. They argue with me that it is somehow okay to keep paying for their robo calling service and bothering me. I am NOT a Quicken client, I never applied for a loan with them or their affiliates, I never initiated a question with these " XXXX  '' who also never state the APR in their annoying messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account on my Experian credit report that is to old and should be removed from my credit report. This account is affecting my credit. Please help. The account in question is from 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 2020-07-31 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: OH

Complaint narrative:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

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 2020-07-31 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: OH

Complaint narrative:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX  NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: OH

Complaint narrative:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

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 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Starting in XXXX of this year, I made repeated attempts to communicate my concerns with someone, anyone at Freedom Mortgage. 
I have not been contacted I have been ignored. 
I contacted my agent XXXX XXXX, by email, voice mail and messages left with customer service agents. 
And his supervisor XXXX XXXX again by email, voice mail and several messages left with customer service agents. When I asked to speak to a supervisor, I was put on hold until I had to gave up after 56 min. 
When, my sales agent XXXX XXXX was selling me he was very attentive. After, Mr XXXX, succeeded, in misleading me to refinancing with Freedom Mortgage. 
He has not returned any of my calls or messages, since he closed the deal. 

I'm not sure what the fiduciary responsibilities of a mortgage company are but I'm sure there must be some regulations, about responding to a customer. 
How long can they successfully avoid a loyal, paying customer? 
To date I have been ignored. 
No one has returned any of my phone calls, emails, text and several messages to Freedom Mortgages automated message center. I left messages with customer Service agents, and the automated message center. 

I received, automated acknowledgement emails that my messages were received and that they would respond to me. 
The messages did not say who or when. 
I have not been contacted I have been ignored I believe l may have been targeted as an older customer and promised misleading statements until I thought I was getting what I asked for. 
It appears to me that Freedom Mortgage had only one concern and that was closing the deal and booking the contract.

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