vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX XXXX {$5700.00} XXXX XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: FL

Complaint narrative:
XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the Equifax breach and I believe this was opened at that time this was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is about Bank of America 's ( BA ) failure to provide access to my funds.

It is the second time in six months that BA has failed to provide access to my funds. In the first instance, BA admitted that it failed to provide immediate access to funds transferred to my account from the Federal Treasury.

This time, BA is not providing access to funds deposited directly with them. 
The date of the most recent occurrence was XX/XX/2020 : The initial time was XXXX XXXX ( I had an appointment ). 

For the last six months, I've had two CDs at BA -- one of six months duration and a renewable nine month CD. 

Subsequent to the maturity date of the two CDs, I went to the local branch to renew the nine month CD ( {$130000.00} ), intending to include in the new nine month CD {$15000.00} in cash from another account at the bank, and the balance in the six month CD ( {$32000.00} ).

The first person who tried to complete the task failed to include the {$15000.00}. Efforts on the part of a more senior employee with help from the back of the BA 's CD Department resulted ( I've been told ) to the addition of the {$15000.00} to the CD account. The total should be {$180.00}, XXXX. Since all of that money was already on deposit with the bank, I should have access to all of it. 

I was informed that it could take as long as a week to correct the Bank 's system, and until that time I would not have access to MY {$15000.00}. 

Really? It was already my money, and it's in the bank. 

Though the performance of the two individuals in the branch was less than stellar. My complaint is that BA 's system doe not provide a way for human employees to correct mistakes made by the bank in a way that provides depositors with immediate access to their funds. 

Same year, same bank, same failure

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 2020-04-06 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: FL

Complaint narrative:
XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX breach and I believe this was opened at that time this was not opened by 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 2020-04-06 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: FL

Complaint narrative:
XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX  breach and I believe this was opened at that time this was not opened by 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 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. 

XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. 
XXXX from my military pay on XX/XX/XXXX XXXX refund on notice XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased bedroom furniture from XXXX XX/XX/XXXX and XX/XX/XXXX prior to the current pandemic lockdown conditions. On XX/XX/XXXX, their delivery service called me and scheduled delivery for Monday, XX/XX/XXXX, to the room of my choice, which is the service I paid for when purchasing the furniture and what enabled me to purchase the furniture. Friday, XX/XX/XXXX, a customer service representative from XXXX called and told me that they would only be able to deliver the four chests of drawers to my doorstep due to COVID-19 restrictions. I live alone in upstate New York and have no way to get the furniture that weighs hundreds of pounds each inside, much less upstairs to my bedroom. If delivery to the room of my choice had not been an option when purchasing from XXXX, I would not have purchased the furniture at all. XXXX 's customer service representative told me to hire a local moving company to bring the furniture inside and to the room of my choice. Under the current extraordinary pandemic conditions, no one would be able to cross a threshold to do that. I initiated return of the furniture to XXXX. They classified the return as a " buyer 's remorse '' return and deducted {$230.00} for return shipping from the refund to my XXXX credit card. They were not able to perform the service I paid for when purchasing the furniture that enabled the purchase of heavy furniture in the first place. Because they would have been able to deliver the furniture to my doorstep, XXXX considers that fulfillment of the purchase contract and chose to classify the return as " buyer 's remorse, '' which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow up to an existing complaint I filed against JPMorgan Chase - Chase Recovery Services. I had been trying to re-negotiate an automatic deduction from my checking account, made monthly on the XXXX, for repayment of part of a credit card debt, that I was told I should do or they might take legal action. Given the current crisis, the fact that I am on SSDI, I tried to renegotiate this settlement with Chase - not to erase it - just to lower the monthly payment. They initially refused to stop the automatic deduction - I'm not sure how they can legally do that> I thought this was my bank account. I received a call from Chase Executive offices. A woman named XXXX left a message. Here is her information because you are going to need it - and I should note that she has now come up with two different telephone numbers in two different locations - so I don't think she's calling from Chase Executive Offices.

You sent the complaint to Chase - but they farmed it out to a debt collector, and this one is getting abusive as well. Originally, " XXXX '' called from XXXX XXXX, NJ. The phone number came up as XXXX. She said she was looking into it. I called her back three times - went automatically to voice mail. Although that was the number that came up on my phone, she asked me in her voicemail asked me to call : XXXX, ext. XXXX. That is the number I called 3 times. Straight to voicemail. 

Today, " XXXX '' called from the number XXXX, XXXX XXXX, NY. She's obviously not affiliated with " Chase Executive Offices. '' They are lying. She gave me another number to call, but said that she did not know if I could renegotiate this situation. That number is : XXXX. I called. It disconnected. " XXXX '' said that this was the " resolution '' to my complaint. Obviously it isn't. 

JPMorgan Chase gets my SSDI check directly from the SSA. Unless I can establish a new bank account at another bank, when I have XXXX and no XXXX XXXX   - and get that direct deposit set up with the SSA - they will continue to take my money and offer me no way to negotiate a lower monthly deduction - and this is all after Chase Customer Service refused my request to cancel that deduction. 

This is abominable. JPMorgan Chase is taking advantage of an immunocompromised person in the middle of a global pandemic. I've banked with them for 20 years, and I have apparently have no way of stopping them from stealing $ XXXXmonth from me. And I am XXXX  for XXXX and awaiting a test. " XXXX '' could actually hear me coughing on her " recorded '' line. 

JPMorgan Chase is LYING to the CFPB. And to me. And that probably means to millions of other Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE XXXXXXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed two things on my credit report with XXXX  and XXXX, But Equifax is impossible to contact.. They're website, ( on days that it will even let you log in ) gives a error message with anything I try to do. They're phone help line randomly makes choices for you before finally saying " Thanks for calling Equifax, Goodbye. The first Dispute is with XXXX XXXX. They have a account from XXXX XXXX XXXX for XXXX. This was for an unauthorized medical procedure performed for XXXX. Agreement was made with XXXX XXXX specialists for 50 % payment to settle the issue. It still ended up on my report though.

Second was XXXX XXXX acting for the XXXX XXXX in the amount of XXXX. This was for a early lease termination. Also approved by the leasing mgr. 5 yrs ago. 
Both of these matters were settled before ever showing on my credit report. I can dispute them myself with Equifax if any of their outlets worked at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of 2020 My wallet was stolen. I had State ID and Social Security with {$40.00} dollars in it. I filed a police report and set up an alert for credit monitoring. I have been trying to get in contact with someone in that office to help me verify my Identity and keep getting the run around. I never established I PIN for a freeze and I keep requesting user ID and Password reset and I am not getting any emails with instructions to do so. I recently been aged medical coverage under my mom and have to apply myself. But I can complete the process without verifying my Identity. I was given a number to call from XXXX XXXX to verify my Identity and when I called they said they couldn't help me and asked that I call customer service. ( Which I thought thats who I was talking to. ) Now here I am 3mths later still trying to find out what went wrong and how can I fix this so I dont have a problem applying for anything. Note : I have my new state ID and my social security card with the same number and was told by social security office that I needed to get in contact with experian with the problem Im having. 
Please help me fix this problem

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/28, I leased a new vehicle from a XXXX dealer, ( XXXX XXXX ) and they used Experian as the credit agency their bank required. After some difficulty because I didn't know the password to Experian to unfreeze my report, the dealer successfully got what they needed, and the lease was completed. On my next credit card bill I noted and complained to XXXX XXXX about a charge for {$10.00} on the statement. Because it is so difficult to communicate with an Experian agent, I ultimately accepted that this must be a one time charge related to the report the leasing dealer needed. I wrote it off as another bad experience related to Experian, who, unlike XXXX XXXX and XXXX, constantly sends emails promoting their memberships, identity theft service and the like, to the degree that I blocked their emails. Today, I noted another charge for {$10.00} was pending on my credit card, and was successful in calling the company, talking to an agent and cancelling my " trial membership '' which I mentioned to the agent I had not requested or made. The agent XXXX XXXX? ) said she cancelled the " trial membership '' and made no effort to do anything further regarding the charges, but pitched some services and noted that my " membership '' was good until XX/XX/XXXX. She also noted that when the membership is cancelled, the lock on the account would be removed, although I asked and was assured the freeze on my credit report would remain. I plan to dispute the current pending charge when it gets posted, as I have already attempted to deal with the company. Although this is the kind of tactic many businesses use, I didn't expect it from a major credit reporting agency, although I now see they are among the most complained about businesses.

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