vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Employers show tooltip button Select as many as apply CHILD CARE Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX XXXX XXXX Employment Inaccurate Use this reason if this is not your how can XXXX  just have amounts collections but no names or where they come frome FCRA violations see attachments remove it

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 2021-03-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Employers show tooltip button Select as many as apply CHILD CARE Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX XXXX XXXX Employment Inaccurate Use this reason if this is not your how can equifax just have amounts collections but no names or where they come frome FCRA violations see attachments remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was closed on XX/XX/21 for what they said was a suspicious XXXX payment credited to my account. I have been on the phone everyday with them since for hours trying to get this all sorted out and chatting in. They say i wont get my money until may and they wont give me any funds. This is absolutely ridiculous. How am i supposed to live without my money? This is criminal. I need my funds released to me

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 2021-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I entered into a 48 month lease with Ally Bank 6 months ago. I am now selling the vehicle to a 3rd party consumer. I am not buying the vehicle myself or trading into a dealership, I am selling it private party. Ally Bank says I am responsible for the sales tax, which is not correct. The person buying the vehicle is responsible for the sales tax. I had this problem with XXXX and had to have the CFPB step in to get it rectified.

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXX opened claim XXXX provided receipts showing items had been received by merchant but never refunded XX/XX/XXXX received refund from merchant for other transactions I had done with them not related to claim XXXX for similar amounts XXXX x 7 and XXXX x1 XX/XX/XXXX Wells fargo reverses my credit due to " merchant credit claim '' for transactions that are not related to the claim and aren't even on the same debit card as the original transactions I have tried contacting wells fargo over 70 times at this point trying to get ahold of someone who could possibly reopen my claim. I've sent 30 emails and been promised to be called back more times than I can remembe. I need the claim reopened as it was closed incorrectly because I still to this day have not received merchant credits for those transactions that were disputed. Please check the attached files I provide as they are the physical in store receipts for all the transactions and they clearly show the transactions in XXXX are not related to the transactions that are on the claim XXXX. 

PLEASE look at the attached files and see that these are all the receipts for all the transactions and that the refunds on XX/XX/XXXX are not in any way shape or form related to the transactions on on the claim. I'm not asking for anything other than 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 2021-03-17 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: AK

Complaint narrative:
I have been a victim of identity theft. My social security number was fraudulently used to open a prepaid debit card. The post office caught the incorrect address and sent the card to my real address. Thats how i found out. I contacted all 3 credit reporting agencies and had fraud alerts and credit freezes placed with 2 of them. 

On XX/XX/2021 Equifax refused to both allow me to place a fraud alert on my credit report and refused to allow me to freeze my credit report. 

The employee i spoke to was a supervisor by the name of XXXX. His employee number is XXXX. 

Its almost impossible to get though to talk to anyone. As a result I contacted XXXX XXXX to make sure the fraud alert was in place and they would contact the other 2 credit reporting companies. But the fact that EQUIFAX is refusing to place the credit freeze and fraud alert is very disconcerting. Im still open to the possibility of having accounts opened in my name if such financial institution uses EQUIFAX as I was refused a credit freeze as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX experian after ID theft won't allow me to look at my score it's against the law if i have been a victim i want to see my socre online will send proof in the attachments

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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX transunion XXXX after ID theft won't allow me to look at my score it's against the law if i have been a victim i want to see my socre online will send proof in the attachments

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 2021-03-17 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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing with reference to my XXXX XXXX from XXXX with XXXX XXXX serviced by University Accounting Service LLC, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by XXXX. I have tried to resolve this with XXXX, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, UAS took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, UAS changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while XXXX and UAS responded in form only. When I call to follow up on my written complaints, XXXX insists that they can not do anything and it is all in the hands of UAS. UAS tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly ( no one has done this over the course of several months ). My most recent written dispute in this matter with XXXX  was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that UAS continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that UAS purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/2021 Money was taking from my account through the drive through teller without my consent after it was a conversion that I owed a balance before I could make a withdrawal, I was called the police and and humiliated in front of my mother. 
The company did give my money back but I suffer physical mental and economic deterioration from what happened and the slander and libel comments of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America did not disclose their selling my mortgage to XXXX XXXX. And the forbearance was affected by their undisclosed sale. By making me pay a lump sum at the end of the forbearance instead of at the end of the loan, you guys are all in on this scam designed to capture peoples homes. Despicable! 

The banking crisis which they themselves created Is screwing me out if a refi despite huge equity and great credit. Theyve got me where they want me with your help. 

I cant make the taxes work for income for a traditional loan. 
I have a few emails out to see if there is an interest with a few non-conforming lenders that would be in a position to offer a good rate. I expect to hear back mid-week. 
The great banking melt down of 2008 killed programs that were based on credit and equity. 
Ill let you know if I find something attractive.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I became aware of a erroneous derogatory mark being reported from XXXX. chexsystems is showing a paid off and settled in full and its been over 5 years ago. I was unable to open a checking account with a local bank because of this 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 2021-03-17 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: DISCOVER BANK
State: FL

Complaint narrative:
THE CREDIT CARD COMPANY DICOVER CARD, IS CHARGING ME FOR AN AIR TICKET, THAT THE AIRLINE CANCELED, I HAVE SENT YOU PROOF THAT IT DOES NOT ACCEPT ANY VOUCHER, SEND YOU A NOTIFICATION FROM THE XXXX XXXXXXXX XXXX WHERE IT SAYS THAT A TICKET TICKET SAYS US, DIRECTLY WITH THE AIRLINE, I HAVE THE RIGHT TO A FULL REFUND AND THEY DO NOT WANT TO DO THAT ALSO THEY WANT TO REPORT ME LATE PAYMENTS FROM THE CARD BECAUSE I HAVE NOT MADE ANY PAYMENT CORRESPONDING TO THAT TICKET THAT WAS CANCELED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
I was told that if I paid my debt that they would removed the debt from my credit report, and that I would no longer report on my credit report. XXXX XXXX signed an agreement ( See attached ) stating they would, then failed to remove the debt from my credit report. When I called FCO they we're unable to talk to me about he debt and told me that I would need to reach out to renter warehouse and that FCO does not remove debts from consumers credit reports under any circumstance.

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 2021-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : UTAH XXXX XXXX XXXX XXXX ( Furnisher )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
BB & T Home Mortgage transferred the servicing of my mortgage to SunTrust, both " now Trust '', probably as part of some balance sheet shuffling to keep their books looking good. I no longer have easy access to my mortgage via an online channel where I have a bank account, and so making my payment has become complicated.

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 2021-03-17 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: NH

Complaint narrative:
I received an automated phone call telling me that my Amazon Visa card had a {$340.00} purchase made on it. If I didn't make this purchase I was to call XXXX and report the problem. The call was close to noon time. I called the regular Amazon customer service number and reported this other call. The woman from the real Amazon wanted me to notify you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
They keep calling even after I told them the person that they are looking for no longer own the phone number ask to be removed but they still keep calling at all time of hour. 
( Midland Credit Management MCM )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
I got behind on my mortgage, due to the loss of my job and ask for covid relief and stop payment I am behind on my payment for several months and my lender offer me forbearance, and my forbearance expire in XXXX, in the mean time my former wife 's attorney treating me to sell the house or refinance to remove her name from the loan. 

I do not know if is possible to refinance, because lack of the job and late payments, also I am XXXX years old and prospect of finding new job is not good. 

Please advise what to do? 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to fix the names and addresses on my credit. XXXX and Equifax and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had XXXX credit card with annual fee {$99.00} per year. I never used the card almost whole year. In XX/XX/2021 I received an email from them that {$99.00} annual fee is due. I called them to cancel the card and requested them to remove the fees. They cancelled the card. Next week I received the email that {$99.00} is due. I called them again. They told me that I was one day late and I have to pay {$99.00} and they will not remove this fees. I asked them why did not you told me when I called to cancel the card. There was no answer. I told them I will not pay {$99.00} when I am not using this card and card has been cancelled. 

Now I am receiving regular emails from them to pay {$99.00} for a card which is cancelled.

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