vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the Transunion and XXXX still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.

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 2020-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the XXXX   and Experian still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.

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 2020-06-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through Chase bank. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a Chase Bank credit Account. I only have a joint checking account with chase bank ( opened in XX/XX/XXXX ), not a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My son who died at age XXXX last XXXX has a mortgage with Roundpoint Mortgage on a duplex in XXXX Indiana. It is owned by the family partnership that I created in XXXX. He gave me authorization to access the account on XX/XX/XXXX. I received an escrow information statement about 1 week ago but was unclear if it was a bill or just a notification. When I called for clarification, they said that once I notified them of my son 's passing last XXXX, my access to the account had been terminated and they couldn't help me. I stated I have the amount and just want to know if it is a bill so I could pay it and not be delinquent. After talking to a manager, XXXX XXXX, and not getting clarification, I said I'd like to pay off the mortgage. He said I could not pay it off since it is in my deceased son 's name and I need to obtain legal advice. 
We reside in California and I am the legal heir. California probate law states if the estate is under {$150000.00} we did not need to go through probate court. He was single without children. 
No where in the Roundpoint authorization does it state that it terminates with the death of my son. 
I've attached the death certificate, the California probate code, and a letter from our attorney to his employer. 
Can you help me. 
thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Hi and how are you? Listen, this surprised me and i just reviewed my entire bank statement for XXXX  and saw the {$270.00} payment come out religiously. I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the 19 I filed a report on CFPB to Bank of America, case XXXX. I've been calling Bank of America for over 3 weeks now, and I'm not getting any answers to my problem. I received an email a Resolution Specialist of Regulatory Complaints Department of BOFA, asking me to give him a call, I've called everyday, leaving voice messages asking him to call me back, and I've never gotten any answer. I've called every customer service number from them, nobody gives me an answer.

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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
The company fails to reissue an escrow reimbursement check after 7 requests to do so. The company initially issued a reimbursement check. My spouse erroneously filed the check away. We discovered the check after it had expired and contacted the mortgage company to cancel the check and reissue it. They required us to return the original, uncashed check, which we did. Following up, they confirmed receipt of the uncashed check and promised to reissue the check. After 6 additional follow up calls over the subsequent 3 months, they still have not reissued the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to open a back account for my sister ( she is XXXX, XXXX and XXXX XXXX  ) and on XX/XX/XXXX and on XXXX XXXX received a letter from XXXX XXXX  that Experian saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking 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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am trying to transfer money via XXXX and if prompted me to re link my once bank account and it said that my bank can no longer be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NC

Complaint narrative:
I HAVE SUBMITTED MY ID THEFT REPORT AND THEY HAVE FAILED TO RESPOND IN THE TIME ALLOWED IN SECTION 605B. THEY ARE IN VIOLATION OF 605B OF THE FAIR CREDIT REPORTING ACT. THIS AFTER I WAS A VICTIM OF THEIR DATA BREACH!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # 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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I needed to get credit reports available for my mortgage agent to pull reports for me to qualify for a home purchase. XX/XX/2020 tried to get a temporary lift to credit freeze with Equifax. Used the call number XXXX. After a very long and confusing set of security questions, I was asked specific questions about my credit record. I had a copy of my XXXX   credit report in front of me, but could not identify the finance agencies in the answer choices. I failed the security questions and was " locked out '' the phone line directed me to the website www.myequifax.com where I tried to again lift the freeze. I could only get a screen saying there was a problem and I should XXXX. I tried calling consumer services XX/XX/XXXX at XXXX, again another cumbersome set of ID questions and finally got to a real person who said there was nothing she could do, I needed to FAX my ID info to Equifax Security Freeze Dept. ( XXXX ) and wait 5-7 business days. I called again and another agent walked me through the security questions and said I answered them correctly this time and put me on hold. Then I was disconnected. I tried to call him back but got yet another agent who said she could do nothing. I feel this is a punitive process with " Gotcha '' questions designed to lock out a consumer and frustrate them to the point of removing a freeze altogether so they won't have to go through this ever again. I will not be able to get this report unfrozen in time to qualify for the mortgage and will thus lose this home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.

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 2020-06-30 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.

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 2020-06-30 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2020-06-30 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I want to close my PayPal account ; I no longer wish to use their service. My bank account information is part of my PayPal account details ; the bank account number can not be deleted from my PayPal account details. I wish to close my PayPal account to ensure my bank information is not vulnerable to hacking or other fraud or scam. 

PayPals User Agreement indicates I may close my account at any time. However, when I attempted to close my account myself, the system returned an error message telling me to contact customer support. 

Ive tried to call customer support repeatedly, but there are no live agents to assist. PayPal has no monitored email accounts. The only available support is via their direct messaging system. I have messaged PayPal every day for almost 2 weeks but can not get any real assistance. The last message I received indicated that they were unable to help me and that I would not be able to close the account for 180 days. No reason was provided for this delay, so this seems to be standard business practice. That is, unilaterally deny the consumer the ability to close his/her account for 6 months. 

In addition to repeated phone calls and messaging, on XX/XX/XXXX, I wrote a snail mail letter to an address that purportedly manages PayPal disputes. However, I expect this letter to be ignored. 

By way of background information, I do not owe PayPal any money. I have no open cases. I have no pending transactions. I have no active recurring transactions established in the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY MOTHER XXXX XXXX XXXX XXXX WAS ATTACKED AT THE AGE OF XXXX. LIED TO ABOUT XX/XX/XXXX RESIDENCE.
SHE WAS XXXX  ON HER XXXX  BIRTHDAY. 
WHY HER FULL NAME THATS OF HER DEATH CERTIFICATE APPEARS ON MY EDD DEBIT CARD IS A HAINOUS ACT. MY SON XXXX XXXX XXXX XXXX THEN FOLLOWING WAS XXXX. I HAVE A SON AND A NEPHEW THE HOLDING IN A XXXX IN XXXX XXXX. XXXX XXXX XXXX AND SON XXXX XXXX XXXX XXXX XXXX HOSPITAL OR A XXXX XXXX.
I WAS ATTEMPTING TO GET A ROUTING NUMBER AND ACCOUNT NUMBER AND LOGGED INTO www.bankofamerica.com/
eddcard.
My AWARD CLAIM WAS SENT BYERROR IN THE CLAIM IT PACKET AND OVER THE PHONE INTERVIEW. I HAD TO TRACK THIS INFORMATION TO A ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  CALIFORNIA 
THAT HAD BEEN A XXXX  SPOT AND KNOWN XXXX.
I EVACUATED THAT RESIDENT ON XX/XX/XXXX FROM XX/XX/XXXX.
IT HAD A NUMBER I HAD KNOW USE OF SINCE XX/XX/XXXX XXXX/XXXX   XXXX. THE AWARD LETTER I HOLD NOW XX/XX/XXXX.
IT NOW IS AT A EDD APPEAL.  MAILED XX/XX/XXXX I RECEIVED XX/XX/XXXX. A 27 PAGE APPEAL WAS FAXED ON THE XX/XX/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 2020-06-30 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 — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I tried to temporarily unfreeze my account with Equifax. I had no problem with XXXX  or XXXX, but this is the second time Equifax has given me trouble. I answered all of the questions that I was asked on the automated phone system perfectly. I track all of the data on XXXX to the penny, so I have have the information at my fingertips. I know the answers to everything but they are stating that I didn't answer the questions properly and will not unfreeze my account. I was hoping to re-finanace but have opted against it because Equifax is just too difficult to deal with. 

Prior to speaking with the representative, I went on-line to unfreeze my account but Equifax unfreezing screen states they are down for maintenance. After speaker with rep. she stated that it's not down I must be having technical difficulties. I was not having any difficulties. 

The only option they gave me was to mail in identifying information. They stated it could take 5 - 8 business days before they process the request plus mailing time. 

It shouldn't be this hard. XXXX  and XXXX  were much easier. It's simply not fair and I would love to see Equifax held accountable for their poor relations, lack of understanding and their technical problems that they are blaming on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation