vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OR

Complaint narrative:
Hello, My discover account was abruptly closed without prior notice.Discover gave me reason as ''they were unable to verify personal information on your account. ' I provided them all the info and also signed sign Consent Form 4506-C .It will effect my credit history because of their abrupt closure.Please help me in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Bank opened/authorized an individual credit card account for someone - NOT ME. 
Wells Fargo Bank then started reporting this new account and it's limit/balance on that persons credit reports and they ALSO started reporting this information on my reports as well. I did not apply for this account and am not attached to it in any way, yet it is being reported on my reports that I am responsible for this account. 
I contacted Wells Fargo when this was noticed years ago, and was treated like this is MY mistake, and my problem to solve. 
I have repeatedly contacted Wells Fargo & the credit agencies to dispute this and have it corrected. Wells Fargo continued to state I was responsible for this account, so the agencies would not remove the incorrect information. 
I most recently again contacted Wells Fargo in XX/XX/2021. 
This time they admit they were wrong and " noticed inconsistencies with account information reported & would request to update their records and have the account that does not belong to you removed. '' WOW - Exactly what I had been saying from the beginning. 
This incorrect reporting has negatively impacted my ability for financing approval and rates I receive. My credit score had been lowered by over 25 points, and looked like I had {$6000.00} more debt that I really actually owed. 
How will Wells Fargo be held accountable for not correcting their admitted mistake in a timely manner and continuing to affect my financial stability/ability for years?? 
Wells Fargo should have to feel the effects of a mistake like this - I have had to. 
I have numerous names and dates of Wells Fargo customer service reps and also their research and remediation analysts who were anything but understanding or helpful during this ENTIRE process, they were extremely rude and condescending, even after they admitted the bank was and has been WRONG! 

Due to this format - additional documents and information will/can be provided once I am contacted. I don't want sensitive information floating around.

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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion XXXX XXXX has been reporting false information which have n been validated on my consumer report under and is in violation of 15 usc 1681 ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have never been late with any of my payments. This is an inaccurate reporting on their behalf due to the pandemic they were processing the payment delayed on their behalf. They have refused to up their system and to update the credit bureaus regarding this inaccurate statement which is jeopardizing my credit score with the late payments that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital auto account is no obligation of mines 15 usc 1692b. I did not open this account FTC file. Creditor keep reporting the information is accurate with of complete a full investigation, 15 use 1681 ( A ) ( E ) - you have to do an interview with my family associated and neighbors and this was not done this account is also in violation of 15 usc 1681b, 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt is not valid I am a victim of identity theft and I never had a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Affirm Holdings, Inc
State: MS

Complaint narrative:
In XXXX of XXXX and XXXX of XXXX, five different loans were opened in my name using an address of XXXX XXXX XXXX, XXXX, NC XXXX. The five loans where through a company called Affirm Inc. and ranged in cost from {$8.00} to {$3700.00}. That address has never been a residence where I have ever lived. 
In XX/XX/XXXX, I called Affirm and spoke with XXXX about my fraudulent claim but no help. 
I called XXXX and spoke with an automated phone service and that resulted in zero help. 
I disputed the loans online through XXXX and that did not help me either. 
I then sent an Identity Theft claim through the Federal Trade Commission and that resulted in 4 of the loans being taken off my credit report. The loan that remains is the {$8.00} one and it is listed as a charge-off. Also, that address is still listed on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This account is being reported as Collection/Charge-Off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: OH

Complaint narrative:
I have reached out to the credit bureaus about false information being reported, They refuse to remove the accounts that don't belong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANKMOBILE TECHNOLOGIES, INC
State: MS

Complaint narrative:
Someone has been using my information since XX/XX/XXXX to open fraudulent bank accounts in my name. In XX/XX/XXXX I placed fraud alerts on my Credit Reports and on my XXXX Report. In spite of these alerts however, I was made aware of an additional checking and savings account opened on XX/XX/XXXX at XXXX. They should not have been able or willing to open any accounts without checking my XXXX reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX Equifax XXXX has been reporting false information which have n been validated on my consumer report under and is in violation of 15 usc 1681 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: KY

Complaint narrative:
THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2021 ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX-XX/XX/2021 ( I APPLIED AND WAS APPROVED FOR XXXX ONXX/XX/2021 BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ONXX/XX/2021 WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20212021

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 2021-06-16 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: OH

Complaint narrative:
I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I incurred 6 overdraft charges in one week With regions bank I went overdrawn twice but the bank each time stacked pending transactions in the most advantageous way to take the most charges possible they do the same thing every time so its not coincidental I told them I feel its fair for me to pay two charges I talked to them and they are not interested I feel this is a predatory behavior and needs to be checked Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The amazon credit card, Synchrony Bank, site failed to indicate a prior payment on the credit card balance allowing an over-payment of over {$2000.00} on Friday XX/XX/2021. I called on Monday XX/XX/XXXX and spoke to their customer support requesting a refund of the over-payment. I was told they would only issue a check and I insisted that I didn't want a check coming to my address and wanted a credit back to my bank. A supervisor instructed me to FAX in a screenshot of my bank register showing the transaction. I indicated that it was showing processing and he told me it was fine, just fax it to them at XXXX XXXX XXXX XXXX. I had to sign up for an online fax service to send them the fax because they wouldn't accept an email. I tried calling to verify they received the fax and was told it was being processed. The next day I received a call stating that they needed a copy showing the transaction was processed. After explaining that I was told what I sent was acceptable they insisted on a new screenshot showing it processed even though the EFT has cleared on their side. I sent another screen shot showing the cleared transaction on the register and again had to call to verify that they received it. After calling again on Wednesday XX/XX/XXXX and being hung up on and having to call back ; I spoke to a supervisor, XXXX ID : XXXX, and was now being told I have to submit yet another screenshot showing my bank account balance with the funds removed. They have NO knowledge of the balance prior to the transaction nor did they request it in either of the prior two requests. I insisted that I followed their requests twice now and that the EFT has been complete on both sides and is now over 5 days since the EFT but was denied the credit back to the account once again. They have now delayed returning the funds as requested and following their request twice for information. They are refusing to refund the over-payment without the new screenshot that I feel is unnecessary as they continue to delay the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: OH

Complaint narrative:
I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: OH

Complaint narrative:
I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX took a payment from the wrong account. I immediately saw it, even signed up for overdraft alerts and texts and never got anything. Luckily I was checking something and saw the overdraft and just switched money to the account, no big deal. XX/XX/15 {$38.00} overdraft fee which overdraft me again, moved more money and was told I will probably get hit with a fee again and that you should keep more money in your account so this doesnt happen.

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 2021-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I lost my job shortly after my loan modification. I then paid {$2500.00} on my mortgage but didnt realize I was {$200.00} short of the full payment but wasnt 30 days late. Then the pandemic hit and was out of a job again. So requested forebearance still not realizing that I was behind this {$200.00}. Now I will be out of forebearance in XXXX. I have moved my daughter in with me. I am not collecting retirement so I can resume payments but they want the full amount. I want to deferment or repayment plan. I cant get another loan mod. But deferring payments is not changing the term of the loan nor the end date so why cant I get a deferment? 

Im not going to lose my home.

Company response to consumer: Closed with explanation