vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.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 non-monetary relief
Consumer complaint received 2022-05-19 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I got an alert that my credit report that my credit score went down. I pulled my credit report and found that there was a debt collection on there for utilities that I did not open. I disputed the debt via XXXX and they supposedly researched it via the debt collector and supposedly found the debt to be accurate. I called the actual utility company and they looked up the information and found the address of the utility account in question, researched it, and determined that the account was opened fraudulently in my name. 

Credit Report : XXXX Debt Collector : Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Utility Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} Account # : XXXX Account Opened : XX/XX/2021 Account Closed : XX/XX/2021 Address of the Utility Account : XXXX XXXX # XXXX, XXXX XXXX XXXX Tx XXXX Phone Number listed on the Account : XXXX Email Account listed on the Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: PA

Complaint narrative:
There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed 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 non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2022 I call chase for balance transfer. I give all the information regarding 3 accounts that I want paid. Representative and I stayed on phone for almost an hour with her and she took all the information. She claimed only the XXXX 's account could be paid digitally and that she had to send paper checks for XXXX XXXX and XXXX XXXX. She stated that it would take up to 21 days to be processed. Now 37 days later my accounts still aren't paid. My credit report has 2 late payment hits, I owe late fees and the actual Manager from Chase XXXX XXXX tells me it's my problem and for whatever reason, those were her exact words, THAT FOR WHATEVER REASON PAYMENTS DIDN'T GO THROUGH IT'S MY PROBLEM AND THAT THEY HAVE NO RECORDS OF ME REQUESTING THOSE PAYMENTS. But they paid 1 just not the other 2. Now she stated earlier in the conversation that they normally send a letter if the payment gets declined but my payment just wasn't processed so they can't do anything for that. So pretty much I put my trust in a large financial corporation like Chase and it's entities but I have zero guarantee as a customer to be protected or cared for because it's my problem. XXXX or something to that extent was her name. She hung up on my face because I was a little frustrated with the conversation as it was going but the best she could do was just hang up on my face. 
Now I have 2 accounts that I have to figure all out again because I can't trust calling back and getting a representative that actually cares, 2 late payment hits to my account, late fees, a credit card that now I regret opening but I can't close because I'll furthermore damage my credit and im super unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Sams Club credit card. Serviced by Synchrony Bank.

Synchrony Bank keeps sending me alerts about a Sams Club Mastercard card number that is not even mine. 
I have called them three times now. Only to be told they do not see a problem at their end so there is nothing they can do about it. 
I finally told them I was filing a complaint with the CFPB.

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 2022-05-19 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: KS

Complaint narrative:
Received a letter on XX/XX/2022 saying I applied for a " XXXX Credit Card '', but because they could not verify my identity they were unable to approve the application. This letter was from " XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, ND XXXX ''. The company name is apparently " Elan Financial Services ''. Ref : XXXX. 

I believe this letter is a scam since I didn't apply for the credit card, nor has an inquiry been made on my credit report. I have learned others have received similar letters for the last few years, or have other various complaints. They need to quit sending unsolicited letters to trick people into calling them. I did NOT call them since that is what they are trying to get people to do.

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX I opened a Bank of America account online. After opening, I sent $ XXXX to my new account from an existing account at another bank. On the following Monday I attempted to log into my new BofA account, and noticed I was locked out. I called in and asked about the account, was informed the account was closed, and told that my ACH deposit would be denied since the account was closed. 

The ACH deposit was not denied according to my bank. I went into a BofA branch in XXXXXXXX XXXX to find out from someone in-person what to do. I was told that I needed to confirm my identity and that the account was /not/ in-fact closed. However since I came in on a Saturday, I could not do this. I went to a BofA in XXXX XXXX  the following Monday to confirm my identity, and could not meet with a banker. I scheduled an appointment for the following day. 

I went to my appointment, and the banker was unable to even find my account. After sitting an hour on hold with some internal team, she was able to determine that my account was " pending closure '' and there was nothing that could be done. I was told that I would receive the funds that were in my account within a few weeks. 

Over a month has now passed and I have not received my funds. Further, I am receiving mail statements for my account indicating my $ XXXX is still there. I have tried to call in several times to find out what's going on, and I either get hung up on or told that the account is closed.

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 monetary relief
Consumer complaint received 2022-05-19 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
From my home loan account, Bank Of America ( BOA ) paid, in error, my yearly home owner 's insurance premiums twice : once to the correct company, XXXX, in the amount of {$800.00}, and then in redundancy to XXXX XXXX in the amount of {$1500.00}. 

I switched providers, because the rates at XXXX were too high for me. I notified BOA of this change over a month before this bill was due. I even had a 3-way call with BOA and my new insurance company, XXXX. BOA knew to pay XXXX. Without my consent, they took money out of my escrow and paid both companies! Now, they won't credit my account, let alone admit that they made a mistake. The arrogance that I've encountered with their customer service employees is epic! 

I have called BOA numerous times about this mistake, spending many hours on the phone trying to remedy this problem, and no one will credit the funds back into my account. Each time I call, I get a different person with a different story. Each time I am told to wait. Sometimes I have been told to wait 3-5 days, other times 7-10 days, and the last time, XX/XX/XXXX, I was told to wait 30 days by a " supervisor. '' I have made 2 monthly mortgage payments that are higher than necessary, because this error has created a shortage in my escrow, which has significantly increased the amount of my mortage payment that is due monthly. BOA has refused multiple times to do a new escrow analysis, stating that this can't be done until the {$1500.00} premium has been recovered from XXXX. This is extremely frustrating, because they are the ones who won't credit back the funds that they took in error from me and gave to XXXX... supposedly. 

I have went as far as contacting XXXX myself trying to recoup the funds. I asked XXXX to return any funds that they may have received. I was assured that no check had been received or cashed, because I had canceled my policy with them. The XXXX representative told me to call BOA and request a " stop check. '' I informed her that I had already asked for that and had been denied. 

I believe that BOA has been given more than ample time to resolve my concerns, but as of this afternoon, BOA still has not. I'm beginning to wonder if they plan to remedy this problem at all? Any help that you could render would be greatly appreciated.

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 monetary relief
Consumer complaint received 2022-05-19 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: PA

Complaint narrative:
There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed 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 non-monetary relief
Consumer complaint received 2022-05-19 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.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 non-monetary relief
Consumer complaint received 2022-05-19 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:
Equifax has not updated my credit file since XX/XX/2021. When I questioned this, they advised I had a block on my file, what block they would not disclose. I have written proof on XX/XX/XXXX of this year they had me submit a form to remove the block in 24 hours. Yet my file has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: SC

Complaint narrative:
I have submitted several dispute with XXXX, XXXX and transuion for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to 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 non-monetary relief