vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX   XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} CAPITAL ONE AUTO FINANCE # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF EDXXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX  # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX  XXXX XXXX # XXXXXXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX   INCDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXXXXX XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent payment to a woman named XXXX XXXX, who had XXXX XXXX concert tickets listed for sale on XXXX. I messaged her and she stated the tickets were $ XXXX/each.We discussed payment method and delivery of tickets. I sent her a total of {$86.00} - {$80.00} for the two tickets plus {$6.00} fee for using XXXX. Transaction was done on XX/XX/2020. Immediately after getting payment she stated ticket prices she quoted to me were wrong and they were $ 400+/ticket. I told her I would not pay that. She went back and forth with me on settling for $ XXXX/ticket. Again, I declined, told her I either wanted my money back or the tickets. She stated she would send the tickets and never did. I immediately filed a dispute with XXXX who declined my request for a refund. I then filed a dispute with my bank, Navy Federal Credit Union who also declined my request for a refund. To date, I have not received tickets from XXXX XXXX, a refund from XXXX XXXX, XXXX or Navy Federal Credit Union. Both XXXX and Navy Federal Credit Union have both instructed me to reach out to the seller and get my money back that way., which is impossible because she is not responding to any of my emails and deleted her XXXX account so i am not able to reach out to her that way. When I researched the name on XXXX and the email address the name was different than it was on XXXX. I am 99.9 % certain it was a fake XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
My child support goes thru Way2go card. On XX/XX/XXXX a deposit from XXXX XXXX card was attempted but due to my error I didn't have all of my checking account number so the transfer can be completed. On XX/XX/XXXX XXXX XXXX XXXX XXXX rejected the transfer and sent it back the way it was sent. The tracking number that was provided from XXXX XXXX XXXX XXXX that show that they return the money back to Way 2 go card is XXXX. I file a complain with Way 2 go card on XX/XX/XXXX They sent me packet to fill out. Also during that time I was calling to make sure that I was getting the right information. That following Wednesday I was told to go to my bank ( XXXX XXXX XXXX XXXX ) to get a letter stating that it was rejected and fax it to XXXX and to wait 48 business day for the fax to received. I found out later that this was the wrong fax number XXXX. I received the paperwork on XX/XX/XXXX and mailed it on XX/XX/XXXX with a copy of the bank stating that they rejected. I then turn around and fax the bank letter to the correct fax number.. On XX/XX/XXXX I was told my case was closed and to contact my bank by call XXXX. I was assured by my bank they rejected. With way 2 go card I'm constantly transfer around the longest that I have been on hold is 4 hours waiting to speak with someone in pending dispute. I'm getting transfer to wrong department or I just get hung up. I'm disputing that {$1000.00} dollars haven't been placed back into my credit. Its seem as the Way 2 go card doesn't want to help me. Plus I'm being charge IVR of XXXX each time I call to get assistance with this account I have been charge nine time for XXXX for assistance on getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pay full the credit card, my balance was {$0.00} and I dont use credit card for several months, and a charge for {$68.00} from body guards I call and report this fraudulent charge to chase they say the charge are validated, And I did not authorize this charge, this is a membership and I never authorized this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending documents to the Equifax since XXXX, asking to delete a fraudulent account ( XXXX XXXX/ XXXX XXXX  ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally Financial has not reported to the credit bureaus since XXXX of 2019. I have requested them to report my on time payments as well as the new balance on the account and they have failed to do so. The reported balance is {$5500.00}, the actual balance is {$3800.00}. I called and they told me their policy is their investigation into why it is not reporting will take more than 45 days. I explained this is illegal and they did not care.

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have not received my XXXX statement which will show the XX/XX/XXXX payment due details. It is now the XXXX of XXXX. I have already made the payment but after contacting the lender Shellpoint Mortgage Servicing several times they have not provided an answer or reason and have only emailed me the XXXX statement which I already have. Not only have I not received it, it is not on the website via my login as with all other months. This is highly unusual and is very deceptive in that they are not providing me with the statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a hotel reservation though Chase Sapphire Card on  XX/XX/XXXX for dates XX/XX/XXXX - XX/XX/XXXX. In XXXX, after checking online, we saw that the hotel announcing closing during our reservation dates. After contacting the company, we saw no resolution and submitted a dispute through Chase for the charges. Multiple times we explained the situation, but due to Chase 's lack of performance, understanding, and communication, we have received 2 notices that state the charges are valid. Chase is under the impression that we attempted to cancel the hotel reservation, and therefore " cancellation policy '' dictates that the charges are valid. Even though in clear company writing of the Sapphire card policies, and also notice from a Chase employee, that, that these hotel charges should not be valid as the hotel was closed, and there was no action from our side. We did not make any cancellation requests

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had made an online transfer of funds to a recipient and I was involved in a scam of my funds. The recipient promised that she would mail me an item that I purchased through her website. She didnt send me the item but received my funds through XXXX app. Im trying to recover my funds which amounted to {$500.00} on XX/XX/20. I made a claim with my financial institution and they denied my claim. I wasnt able to retrieve the information I needed to file a complaint to the recipient bank. Because the recipient bank is affiliated with the XXXX app. They stated that they dont work with online app transfer of funds. I am filing a complaint to receive the funds that have been wrongfully taken from me. I also spoke to a representative from XXXX to try to recover the funds but they were not able to assist. Please 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 2020-06-23 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Per instructions from automated phone system, in XX/XX/XXXX, I went to the website to complete the hardship form for both my mortgage loans and received " Thank you for your submission '' responses. I waited for mail confirmation that the forbearance was processed. I called on XX/XX/XXXX and learned the automated process was not completed. I also learned a late payment notice was sent to the credit bureaus. I asked the rep if anything showed on my account notes about my filling out the form, he said no. While on the phone with the rep, I attempted 2 more times to fill out the form and received the same thank you response. No notes appeared on the system. There is clearly a break on their end. I waited until the next day to call back to confirm there were still no notes and the automated process did not happen to create the forbearance as was told to me would happen. PHH would not make the  forbearance request retroactive which meant I had to make my XXXX payments ( which I obviously was looking to avoid since I just lost my job ), and I got hit with 30 day late notices on both my mortgages which dropped my credit score 60 points and below XXXX. The work I do requires credit checks and I will not be able to get another job with my current credit score. I may ultimately lose my home with no work all because their automated system did not work. If this happened to me, I'm sure it happened to others who were trying to avoid long wait times on the phone and taking what we thought was an easier route by processing over the phone. This is TERRIBLE service in the middle of a pandemic when people 's livelihoods are already distressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation