vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX AND XXXX AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX  WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND XXXX AND XXXX  BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX  AND XXXX AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION 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 2020-04-14 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: NJ

Complaint narrative:
I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX  AND EXPERIAN AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND EXPERIAN AND XXXX BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX AND EXPERIAN AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION 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 2020-04-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Tried using a card to make a purchase at a grocery store through contactless XXXXXXXX XXXX  which I've had in my continuous possession for several years on the exact same device. Purchase declined. Tried contacting issuer, hold times " greater than 10 minutes '' per issuer. Been on hold for over an hour yesterday, with noone answering. Currently on hold for over 30 minutes. They disabled my access to my online account as well, even though I've only ever logged into the account from existing devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a Loan on my credit report that I did not sign up for for {$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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NH

Complaint narrative:
Due to the covid-19 situation we were seeing if we could skip a month of mortgage with The Money Source. But they are allowing a 3 month forbearance but are requiring all 4 months payment right after the 3 months are up. The Money Source is no help during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to pay pal directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to pay pal no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. Pay pal wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However pay pal never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Critical Resolution Mediation LLC
State: IL

Complaint narrative:
The company called my sister and left a threatening voicemail concerning me. I called and they told me about a balance I supposedly owed but wouldnt give me more information when I asked. They threatened to sue me, garnish my wages and throw me in jail if I refused to pay. I was scared so I updated my address and email and gave them my debit card number because I thought they were legit and paid XXXX on XX/XX/20 the first installment. I XXXX  the number they had left my sister and found out it was a XXXX voice number XXXX. The name XXXX XXXX. Another number they used XXXX. I called my bank to cancel card and flagged the payment. I did not sign the payment authorization they sent me from email address. XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2020 requested credit correction fraud alert freeze security release asked the hard inquiry be removed along with my address being corrected. I filed a police report and sent it to them as proof and requested the credit report be updated they refused

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2020 requested credit correction fraud alert freeze security release asked the hard inquiry be removed along with my address being corrected. I filed a police report and sent it to them as proof and requested the credit report be updated they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize these consumers that are on my credit report. 

XXXX  ( XXXX ) XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, UT XXXX XXXX XXXX ( XXXX ) XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/2019 ) XXXX, Tx XXXX XXXX XXXX XXXX XXXX ) ( no address ) XXXX ( XXXX ) no address XXXX  XXXX ( XXXX ) no address XXXX XXXX XXXX XXXX no address XXXX XXXX XXXX XXXX XXXX XX/XX/2019 no address XXXX XXXX XXXX ( XXXX ) no adress These companies are false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: NV

Complaint narrative:
An account was reported to Rent Recovery Solutions that i have repeatedly advised the original creditor that i was disputing. I was living in an apartment complex and slipped and fell on their premises and they requested that i move out and then charged me for things that were not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
order # XXXX I didn't receive the XXXX  I contacted their customer service 2x by chat and they weren't able to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I started a loan with Cashcall XXXX Escrow through XXXX XXXX   file # XXXX. After several hours of calls emails and a written request from an attorney I finally received a completely different closing statement however the figures are still all off. I would like my money as soon as possible. 

My loan at $ XXXX I was given a lender credit of {$1000.00}. I made every payment and my loan payoff was only {$380000.00} so where is the {$1500.00}? I received one check for {$650.00} on XX/XX/XXXX and a second for {$19.00} on XX/XX/XXXX from title, therefore where is the {$890.00}? Escrow and closing costs are resolved, this is purely on the loan issue. 

The various closing statements Ive received do not match as follows : XXXX XXXX  ( prior lender ) they paid through XX/XX/XXXX and paid you more at {$380000.00} which is {$140.00} missing. Per your closing you are charging form XXXX which is another {$400.00}. Therefore I see whereas I am owed {$1400.00} minus 2 days interest at {$40.00} a day is a total of {$1300.00}. I have spent so many hours on this getting the run around for months. To the point whereas I had to have my attorney send a letter. I expect clear and concise records and a refund with interest for my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have attempted on several occasions to get Chase to correct the Interest Savings Balance for my XXXX statement to no avail. I have detailed all of the information on a marked-up copy of the statement which is self-explanatory and will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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:
I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CA

Complaint narrative:
I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.

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 2020-04-14 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:
I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX  reported to the Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX reviewed my XXXX credit report XXXX sent validation letter to LVNV- original creditor XXXX XXXX XXXX No response from LVNV and still impacting my credit This account is way over the statute of limitations and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
I purchased a prepaid card ending in XXXX for {$500.00}. It says it is active and that the balance is {$500.00}, but it gets declined anytime I try to use it. I can not reach the customer service number on the card, no one picks up. 

I need to be able to use this 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 2020-04-14 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no 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