vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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:
I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2021-01-20 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:
I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am a U.S. military service member currently assigned to XXXX XXXX. At this time my military paycheck is made payable to Wells Fargo bank. Trying to transfer my funds from Wells Fargo to a bank account that is capable of paying my rent here in XXXX has resulted in a " sorry sir we can not make this happen '' based on the fact that a authorization code isn't able to be sent to my XXXX number even though there is a branch available in XXXX. There was never a warning at any time that stated that at any time that I were enlisted and chosen by the U.S. government to serve overseas that I would not have access to my deposited funds.

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 2021-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from Capital One dated in XXXX. In XXXX, I was sixteen years old and have never done any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was charged twice by XXXX XXXX XXXX and I went to try to dispute one of the charges as a duplicate. The customer service representative would not allow me at first to dispute the charge. This is after spending an hour on hold even though I supposedly called the ASAP customer line. She finally relented and allow me to dispute the duplicate charge. Then I was informed that I would not be able to get a provisional credit or a refund of the overdraft fee I was charged as a result of the duplicate charge. I asked to speak to the manager. She refused to help me, while boasting that she got an extra paycheck this month. 

I have been significantly impacted by the COVID-19 pandemic and TD Bank is completely out of touch with how their customers are struggling. I was completely disgusted that the manager felt it was appropriate to brag about the amount she is paid while I have faced so many difficulties this year. It's a really " let them eat cake '' kind of attitude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo refused to accept my loan payment.

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 2021-01-20 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: NY

Complaint narrative:
I sumbitted a complaint over 30 days ago about fraudulent activity on my credit report. It truly hurts that my rights under the FCRA are being violated. These accounts have destroyed my report. I can't do anything without my credit. Please help me in fixing this issue. I am resubmitting this complaint to the CFPB in hopes that something can be done. Section 605 b of the FCRA clearly states that fraudulent items must be blocked and removed from the credit report within 4 business days. I have not received any correspondence from your company as to why these accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: TX

Complaint narrative:
A fraudulent account was in process of being opened in my name and PNC Bank has not given me written notice that the account is closed, inactive, and will never appear on my credit report. I sent an FTC Identity Theft letter and never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Two fraudulent accounts were opened in my name with Venmo. I requested to have them closed but never received confirmation that the accounts had been closed and are no longer active or being reported to credit agencies in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
So now not only I had {$1300.00} that was promised to me for 3 weeks ( combined amounts of {$680.00} and {$610.00} from XX/XX/XXXX and XXXX ) that was cancelled out at the last possible minute and only days before XXXX no less, but on XX/XX/XXXX an agent determined I was owed {$1100.00} in credits from returns I had made to merchants, permanent credits, and disputes found in my favor. She put in a request for a balance refund check in that amount and it was CANCELLED. This phone call was monitored and recorded on XX/XX/XXXX at XXXX. I will now be suing Discover for {$2400.00}. A response from the company will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Our current loan is with PennyMac. We were in the process of refinancing with XXXX XXXX, but we reached out to PennyMac to see if we could get a lower rate by staying with them. PennyMac agreed that they would be able to lower the rate and keep us as customers. We then cancelled the process with XXXX XXXX XXXX. We submitted all documents to Penny Mac the next day. On XXXX XXXX, I received an email from XXXX XXXX ( underwriter for PennyMac ) stating that our loan was approved and I would be receiving my closing documents to e-sign within 48 hours. On XX/XX/XXXX, I received an email from XXXX XXXX ( underwriter for PennyMac ) stating that my closing documents were available to sign. I then signed all the documents to move forward with the refinancing and closing. On XX/XX/XXXX, I received an email from XXXX XXXX stating its time to close. This email stated the appointment date of XX/XX/XXXX @ XXXX to sign the closing documents. We signed the documents on XX/XX/XXXX @ XXXX. On XXXX XXXX, I received a phone call from PennyMac regarding my loan stating that I am two months behind on my loan for XX/XX/XXXX and XX/XX/XXXX. I signed documents on XX/XX/XXXX stating that I will not have any payments due until XX/XX/XXXX. I called XXXX on XX/XX/XXXX inquiring about this and he advised the loan did not go through and I am now two months behind on my mortgage. I was NOT notified of any changes in the loan via email or phone. My credit has taken a huge hit because of this. Now I am in a bind with my mortgage and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a FTC report along with 605B letter and the credit bureau will not delete inquiries and collection account off my credit report. They refuse to follow the fraud guidelines that they have laid out!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and Equifax. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : //www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and XXXX. l also called Experian, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed public record information that appears on my Experian credit file. Experian replied to me that the information would remain on my credit report because they validated the information with XXXX. I then disputed the information with XXXX who, under the FCRA, removed the information and also notified Experian. I disputed the information with Experian again and they refuse to remove the information. I viewed the information for the bankruptcies in PACER and the address on the entry is not mine. The bankruptcy information in question does not have a DOB that can tie it to me and the address is not mine ; the address is not on any of my credit reports and it is not on my XXXX report. If Experian used XXXX to validate the information that XXXX has not removed, how is this information being validated as mine and belonging on my credit 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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ladies and Gentlemen, I have applied for the following credit cards at JPMorgan Chase Bank : Chase Freedom Visa XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received approval for any of these cards for various reasons. 
I would like to emphasize that my credit score is very good. 
Other banks have never refused to give me credit cards, e.g. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I have been legally staying in the USA since XX/XX/2019 ( XXXX XXXX ), I have XXXX  citizenship. 
The lack of acceptance for any card by this bank, even when I opened an account with a deposit of USD XXXX, is for me an obvious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NE

Complaint narrative:
Received a letter in the mail stating I owed the collections agency Linebarger Goggan Blair & Sampson LLP from a debt in 2014 from the state of Illinois. I have never received anything regarding this from 2014 until now. This collections agency has told me on the phone I have to pay something and I do not have any knowledge of this and feel like this is something that is fraud. I lived at the same address for 5 years and no one has reached out to me concerning this. this collections agency is using unfair practices to force me into paying something I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I submitted a complaint over 30 days ago and have yet to receive a response which is a clear violation of the FCRA. I am filing a complaint with the CFPB because I feel I am not being taken seriously. Please block and remove all information from my credit report, and send me an updated copy of my credit 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 2021-01-20 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-20 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: AES/PHEAA
State: IL

Complaint narrative:
This account doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
The information on my report is not correct and i would like to have it removed. I have attached the following documents to assist them.

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 2021-01-20 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:
I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from XXXX XXXX dated in XXXX. In XXXX, I was XXXX  years old and have never done any business with XXXX XXXX or any of their affiliates. I contacted XX/XX/XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
The information on my report is not correct and i would like to have it removed. I have attached the following documents to assist them.

Company response to consumer: Closed with explanation