vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.

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 2020-07-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: MI

Complaint narrative:
I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on Experian XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active Experian reports XX/XX/XXXX XXXX  reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida

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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 a user registered on XXXX. On the same day they purchased an item from me and they used the PAYPAL link on XXXX 's site to pay for the item through PAYPAL.. I packaged and shipped the item same day through USPS ( Tracking Number XXXX ) Tracking shows that the item was received at XXXX XXXX, XX/XX/2020. The money was processed into my PAYPAL account. 6 weeks later the buyer claims they didn't buy it.. and filed a claim with PAYPAL.. Paypal sent a message to me of the hold on funds and the dispute. I tried to call them 7 times but.no one answered and all you get is a recording..telling you to use their virtual messenger.. I used their messenger and gave them the same information that is above.. 2 days later they sent another message stating they ruled in favor of the buyer and refunded them plus charged me and extra {$20.00} for the charge back ... I am a XXXX senior and XXXX may not seem like much to them.. but can be for me.. Yet, I did nothing wrong. I fullfiled the requirements of XXXX  in a timely manner and the buyer used XXXX  's on site link to pay..At the time of the purchase I had been a customer of both XXXX  and Paypal for 18 years ... The buyer had been a customer of both for 1 day.. It is a new twist on a common fraud perpetuated on XXXX. Only this time, the buyer files the dispute with PAYPAL.. so paypal rules for them..and XXXX  will not step in because the dispute was not filed on their site ... You call and you can not defend yourself at PAYPAL because no one answers.. and then they arbitrarily take money from your bank account and charge you additional fees without explanation as to what you exactly did to deserve theft of monies from your account. Once they make a decision there is no way to dispute it, no one to call, and precious little response from their virtual messenger.. You are just out of luck ... Now I am not so arrogant as to think this has only been done to me.. I am out {$50.00} ... not a huge amount in the grand scheme of things but..how many others does this happen to..and without any fair way to resolve it, without anyone who will pick up a phone.. I consider this theft.. If I had a customer that used my services for almost 20 years..I think I would at least hear them out with a real person.. before throwing them under the bus..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received an email stating that I had been denied for a Lowe 's credit card I did not authorize for anybody to use my information to open up an account nor did I try to open this account they tried opening it up on XX/XX/2020 XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They got my name wrong on my credit card and I was never able to see that account on my mobile phone 's app or online. I didn't get the billing amount for that account. They have. closed my credit card and left two late payment mark on my credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: MI

Complaint narrative:
I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or Trans Union XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX Trans Union reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida

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 2020-07-17 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: MI

Complaint narrative:
I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX Equifax reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer USA is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account to " verified '' status per Santander Consumer USA. No evidence to back the claim. I contacted the bureaus again requesting a copy of the signed agreement between myself and Santander pursuant to the Fair Debt Collection Practices Act. The bureaus all responded by updating the account status again to " verified '' per Santander Consumer USA. Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Santander reports my first date of delinquency to XXXX  as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment to back this claim. Santander is reporting no payment history on my XXXX  and XXXX  report, so how are the credit bureaus to calculate the first date of delinquency? How do they know when this item should be removed? The bureaus do not know, which is why this account has been sitting on my credit report since XX/XX/XXXX. Most accounts are several months past due before being placed into collection. So, if XXXX & XXXX  were to " estimate '' a date of delinquency on Santander 's behalf, it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I switched to Ally bank because I loved the thought of controlling my debit cards, being able to turn them on and off. So I went through the process to open an account then funded the account. Just XXXX $ to start the bank account. This was on XX/XX/XXXX. On XX/XX/XXXX my direct deposit was deposited. Which I transferred to ally bank same day as being eligible to open the account. I call to set up my XXXX  on XX/XX/XXXX and I start getting asked a bunch of security questions. Which I answered them all correctly. The lady specialist then informed me that since I had logged into my bank account on my wifes phone ( which is in my name through the provider ) that this was enough reason to close my account because I had used my log in info on another device besides the one I registered the account with. I then proceeded to ask why and what the issue was and she just kept getting rude and more rude. I asked if I would be able to withdraw or transfer my direct deposit of {$1600.00} that was just posted to the account and the specialist then stated that they will not release any of my funds and I may receive a check at a minimum of 5 weeks of my funds. I have no issue closing the account and just using my previous bank, but for them to basically steal my money is beyond in humane. I have Bill 's that I can not pay now that will be late and cost me even more in charges, not to mention trying to provide for my family and feed them since I am a salary employee and get paid only two times a month. This seems extremely illegal. I should of been given an opportunity to make arrangements to withdraw or transfer my money, or at the very least ally bank send my direct deposit back to my employer, which I also asked them to do and they refused. I live by XXXX XXXX book, so I do not own credit cards to help me make it until I get paid again. Ally bank has literally taken food off my family 's table and made it almost impossible to survive until I get paid again on XX/XX/XXXX. I'm sure you have a million complaints and others you're trying to help, I just ask that someone reaches out and gets ally bank to release my direct deposit or send it back to my employer. No one should ever go through this when they open a bank account and ensure the trust of their wellbeing in a company, just to get blindsided and basically robbed. Thank you for your time and hopefully your help.

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 2020-07-17 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: DISCOVER BANK
State: CA

Complaint narrative:
I had a late payment for {$8.00} in 2018 XXXX, I used to have auto payment directly from my bank 's checking account. However, since back then I was back in school and I was having a really hard time balancing between school and work, I did not have sufficient funds in my account and I missed one single payment for {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Wife and I applied for a mortgage through Fifth Third at the start of XX/XX/2020. We originally wanted to go with the Indiana Housing Authority, because we were guaranteed down payment assistance of {$5000.00}. We were convinced by Fifth Third Bank to use them, because they guaranteed a sum of {$10000.00}. 
The mortgage officer that we worked with repeatedly " accidentally '' missed the deadlines to apply for the assistance. And repeatedly " lost '' the paperwork necessary to move forward, even though it was all digital. After starting the process, I was told told several times by the representative that she believed that my wife and I were too young to be buying a house together, and were too young to be getting married. 
Further along the process, she just stopped answering questions. She started making up additional rules, unreasonable demands, and refusing to help us on several occasions. I was working for the same company at the time, and was repeatedly told that they couldn't verify my income, that came from them. Anytime I asked for payment estimate, any time I asked for any information that is easily verifiable, I was met with push-back, and being told, " Well you never know what is going to happen before closing. '' After losing out on $ XXXX in down payment assistance, I was repeatedly told by the agent that she didn't believe that I could afford this house. She also told me that I shouldn't put my wife 's name on the deed, because we are still young. 

It was incredibly infuriating, but after three months of the discrimination, we finally went to another lender, who helped us very quickly. Our original closing date was XX/XX/XXXX, and ended up being XX/XX/XXXX. A normally 45-60 day process took us over 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my 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 2020-07-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, I have sent in information to Equifax to update my account information due to a whole name change ( legal  document to prove it ) and provided my social security card, drivers license, birth certificate, and legal name change decree with Equifax via fax to get my personal information updated. They unknowingly placed a block on my account and now I have no access to my credit score and they keep saying they have not received any faxed info from me for the personal information updates. I only found out about the block when I was trying to buy a car over a week ago. My XXXX and experience accounts are working just fine. Equifax continues to not help get my personal information updated.

Company response to consumer: Closed with explanation