vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXX {$650.00}

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 2020-08-06 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}

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 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020 my Bank, Santander, debited my account for a Remove Adj Covid Stimulus Payment in the amount of {$170.00}. I called the bank and asked them why they did this? They could not find my stimulus payment, as I never received one. Additionally, I paid overdraft fees in which they presented to the public, they were waiving. Their response was they dont know why it took so long to debit this charge and that it should have been done by XX/XX/XXXX. They claim that it was a credit to benefit me when I started receiving my unemployment benefits that were being direct deposited. Why would the transaction of XX/XX/2020 indicate Covid adjustment, if it wasnt that?

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 2020-08-06 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
1. I was seeking a refund to which I was entitled based on the service not being rendered due to COVID from a merchant ( XXXX XXXX ) for {$1600.00}, with a transaction date of XX/XX/XXXX. 
2. The merchant was unresponsive to my request on XX/XX/XXXX, so I proceeded to open a dispute for the charge on my credit card. 
3. Upon learning of the dispute, the merchant responded to me saying they would issue a refund. Chase directed me to withdraw my dispute and that its better to work with the merchant if theyre willing to issue a refund. I proceeded to withdraw the dispute. 
4. The merchant later claimed that the dispute remained on their account. Following Chases subsequent instructions, I was directed me to re-open it via sending a Fax letter, and was told the credit would show up on my account within 2-3 weeks. 
5. I called in later and found out that the time had passed to re-open the dispute, and I was no longer eligible for a credit. The bank apologized and said they believe they can re-open it and I should receive a confirmation within 7 days. 
6. I never received a confirmation. I called Chase back and a manager claimed that too much time has passed, and the funds can not be recovered. 

The negligence of Chase both in instructing me to cancel my dispute, and later instructing me that theyd simply be able to issue a credit if I faxed them a letter, caused significant financial damages to me personally, and my recourses are exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2020-08-06 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX   XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've contacted Equifax and XXXX regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}

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 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}

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 2020-08-06 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND SEEN ACCOUNT I NEVER OPENED

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 2020-08-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.

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 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND SEEN ACCOUNT I NEVER OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MS

Complaint narrative:
LOOKED AT MY CREDIT REPORT AND SEEN ACCOUNT I NEVER OPENED

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
Last year I had looked into refinancing a home that I own with my ex-wife. We reconsidered it again this year, so she reached out to the same mortgage company in XXXX, asking about current rates, etc. She did not, nor does she have the legal right to, approve of them to make a hard inquiry into my credit. So without my permission, they pulled my credit report. I have contacted them several times about removing it. And while they said they would take care of it, it was never resolved. I contacted them again today, after seeing the inquiry still listed on at least 2 credit bureaus. They ended up replying to my ex-wife, who again has nothing to do with this, providing another number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2020-08-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've contacted XXXX and XXXX  regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citicards misrepresented the status of my credit card account prior my scheduled payment on XX/XX/XXXX. After receiving the same payment twice, they have been sitting on {$7700.00} of my own money since XX/XX/XXXX. The fault lies entirely with Citicards not with my bank or me. Their excuse : balance owed to me exceeded {$5000.00}, needs higher management review that can take 10-15 business days? This seemingly is a federal government requirement. Ive asked them to send me the specific federal regulation allowing them to sit on my money for 10-15 business days before returning it? Current update : Asked to call Citi Executive Response unit. Now told that it may take a further 10-25 business days to review more than 1 month!!! 
Brief summary of Citi fiasco After receiving my statement by email on XX/XX/XXXX, I had set up my scheduled payment of {$7700.00} for payment on XX/XX/XXXX, 2 days before the payment deadline. I do this on the day or a day or two after I receive my statement by email. 
Logged into Citicards prior to my payment deadline, Website was showing junk. A XXXX  balance showed on my card! Called Citi and was informed that the bug would be fixed. A few days later website restored but could not find my scheduled payment. However, I could see no sign of pending payments online. Being concerned, I called Citicards yet again and asked about this. My account was showing 2 credit cards old and an unwanted new one not yet shipped to me. Informed agent that my pending payment scheduled for XX/XX/XXXX was not showing. She checked and told me that there was no pending payment in the system. I queried this a number of times as I was sure that I had submitted this for payment from my bank account. She insisted it was not showing and asked me if I wanted to submit a payment by phone through her to my bank account. I reluctantly agreed and she submitted a payment for XX/XX/XXXX. 
The day before the payment was due, I checked my XXXX XXXX   account. I saw 2 pending payments for {$7700.00}! I immediately called XXXX again, and the agent now insisted that I should not worry as only one payment would go through. I believed her. The next day both payments went through on my bank account. 
I have been waiting for 14 business days for my money and now am told another 11-15 business days. Had I missed my payment by 1 day, Citi would have lumped a hefty late penalty of 29 % or more on me. This is a disingenuous and dishonest means of holding my money for their use.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ONY GLO, INC.
State: WA

Complaint narrative:
We applied for a home refinance in XX/XX/2020 with XXXX XXXX at XXXX and paid for an appraisal. We were unable to continue our refinance due to the pandemic as my partner was put on leave. I spoke with XXXX XXXX at XXXX to let her know that my partner would be returning to work in XXXX and I expressed my concern about the monies we paid towards our appraisal and if we could use the appraisal and we didn't want to miss out on our rate. 

XXXX let me know over the phone that she should be able to extend the rate lock and use the appraisal. 

When my husband returned to work, I reached out to her via email and she advised that I needed to submit a new application. When i reached out regarding the appraisal we paid for and if we could use it, she did not respond to my email. I tried to call her and she did not answer and I left her voice messages. 

I finally called the customer service line for XXXX and the gentleman I spoke with could not assist and told me that our appraisal is to about to expire in XXXX and we can not move forward with the appraisal since the rate lock since XXXX never filed an extension as she promised and if we put in a new application, we would have to pay for another appraisal. 

The gentleman, I think his name was XXXX or XXXX, mentioned he would reach out to XXXX but I never got a call back or any follow up from either of them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief