vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-27 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: MO

Complaint narrative:
Item # Reason for Deletion Chapter XXXX XXXX My name is XXXX XXXX, and I am writing you because an entry appears of my credit report which states that I filed bankruptcy. Could you please explain to me how this might occur? From my understanding only the last four digits of an debtors social security number are released to third parties, pursuant to the Federal Rules of Bankruptcy Procedure. However it shows that my social is listed with these third parties on a Bankruptcy that is not mines and not my name but a name close to mines. Also, it is to my understanding from The United States Bankruptcy court for the XXXX District of Missouri that information is not provided to any credit bureaus ; therefore I do not understand how this was properly verified as accurate. Please advise on how you verified this information to have it listed on my credit report as accurate and true to be my filing. 

Chapter XXXX XXXX Same as stated above

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 2019-05-27 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: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
XXXX is reporting false accounts on my report and I haven't been able to open a bank account. I have been a victim of identity theft and my character is being assassinated and defamed. Someone stole my information and opened bank accounts. XXXX  is reporting identity theft and fraud on my name by having this accounts on my report. 
SunTrust, XXXX, XXXX, XXXX XXXX financial institutions have been reporting balances owed, I never opened accounts with them.

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 2019-05-27 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: NH

Complaint narrative:
I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX XXXX XXXX XXXX/CHARGEOFFCredit Cards {$1700.00}

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 2019-05-27 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-05-27 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: NH

Complaint narrative:
I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX  XXXX CC COLLECTION/CHARGEOFFCredit Cards {$1700.00}

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 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
This account was paid off by my insurance and GAP, never found out I ended up with a balance, but it was paid in a garnishment you will in the attachments that I have disputed this account on its balance and being late which I never was ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Circle Internet Financial

Complaint narrative:
I have transferred XXXX ripple from a crypto exchange binance to XXXX after some time when i checked my XXXX wallet i received only XXXX ripple. On XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: OK

Complaint narrative:
Around XX/XX/XXXX I approached XXXX XXXX  XXXX to gain an understanding of my Mortgage loan options as I've never tried to purchase a home before. I was assisted by XXXX XXXX who checked my credit and said she'd have to think about what my best options would be but that if I could send her paperwork such as my XXXX, check stubs, etc. that it would help. I did as was asked and that was the last time I heard from her or the company. My emails and voicemails were met with no reply and I was left with my credit lowered and my time wasted. I'm simply incredibly disappointed and got a loan elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank frozen my bank account for no valid reason. They not giving me any reason even when i visited the branch. I have funds in my bank account and most of my payments got returned. I am suffering damaged and returned payment fees because they froze my account. I started new job and deposited my first check since then my account is frozen and i cant have access to my funds. Its illegal to hold my funds for no reason. I have never committed fraud neither my balance ever became negative. 

My account is frozen from XX/XX/2019. 
I am asking CFBB TO help me because i am unable to reach anyone help me with this awful scam bank. If i dont get my funds i am going to the court. 

I am 5 years customer at the regions bank. I will never do business with them. I have suffered alot to cover up the returned payments.

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 2019-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
in XX/XX/XXXX of 2019 i emailed the company that i was changing bank accounts. and they kept withdrawing from a no longer used account causing damages to the bank account i incurred over {$300.00} in overdraft fees on this account plus their payment totaling in over {$900.00} with the banking fees.. earlier this month inXX/XX/XXXX of 2019 did i get a e-mail asking for my new account information via this e-mail they sent which i know for a fact this is a security threat to the banking system and no one should reply to any e-mail with a bank account number. 
every time they call i state they have a balance owed on a bank account that was over drawn and they still state that i owe a balance.. this is a stale mate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: AR

Complaint narrative:
Company TransUnion Submitted on XX/XX/2019 File number XXXX This is like the 5th time i told them this is not me. I have never lived in Indiana and never will. This is my son 's account. Our names are spelled different. I live in Arkansas and have for 20 years. 
The account is with XXXX XXXX XXXX and the balance is {$830.00} as of XX/XX/2019. 
I guess nobody can figure this out at TransUnion because I have complained for over 5 years or maybe they are unable to read english. 
Thank You for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We were a long time business customer with BMO Harris in XXXX. Our account was repeatedly compromised. Starting XX/XX/XXXX, small telephone transfers began to happen. We reported this. However, the transfers began to mirror our own ACH payments such as XXXX, XXXX, XXXX XXXX, etc. We assumed that these payments were ours. When we realized they were not, we contacted the bank and found that an unknown person had been given permission to make telephone transfers. These transfers totaled {$14000.00}. BMO told us that our only option was to close our account and there were no other remedies. Their fraud division is not contactable and does not respond to calls or emails. We were told by our local branch to close our account. We had the expectation that BMO had fraud measures in place, however, it seems probable that the person that committed this fraud actually works for the bank. After forty years in business, working with BMO has been the worst experience we have ever had.

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 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a payment online with XXXX  today XX/XX/XXXXfor {$25.00}. Once the recipient verified payment she immediately blocked me and did not send my service. 

I reached out to cashapp to report the recipient and ask for my funds to be returned and they told me they can not return funds and need to speak with jpmorgan Chase for a refund. 
I called Chase and they told me no they can not refund my money. 
Had I known cashapp is non refundable in the case of fraud than I could've used XXXX which is for the costumer and will at least investigate before telling the customer no. I feel both cashapp and Chase are responsible in my case. 
I want her account deleted so no one else is scammed and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Dovenmuehle Mortgage is essentially stealing my home away from me and the {$12000.00} the insurance company paid them to fix my home. My home suffered significant damage when two hail storms destroyed a large portion of my roof in XXXX. The insurance company paid Dovenmuehle, but they never paid my contractor. I had to pay the contractor out of my own pocket, but did not have the enough money to pay him to finish the work. I was forced to stop making my mortgage payments in XXXX of last year and use the payments to pay the contractor for the damage, while I fought with Dovenmuehle to release the funds the insurance company paid them. Dovenmuehle advised that they will hold onto the money until the damage is repaired, but this is unfair. The contractor is refusing to continue working without pay and my home is sustaining significant water damage and mold issues. Since the time that I fell behind on my mortgage, Dovenmuehle has failed to provide me with any sort of retention option on my home. They have wrongly set a foreclosure sale date on my home for XX/XX/XXXX and they have failed to give me the opportunity to save my home. They have not allowed me to work through any sort of home retention options and are refusing to give me insurance money that I am rightfully entitled to receiving. I have filled out FIVE COMPLETE  mortgage assistance packages and have never had a full review for mortgage retention options. I am requesting that someone within your agency reach out to Dovenmuehle Mortgage and get the sale of my home stopped and my mortgage payments back on track. I am a veteran and want to spend the rest of my life in my home, but will be kicked into the streets if I do not get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: GA

Complaint narrative:
First, I am a victim of identity theft. On XXXX sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 7fraudulent addresses ( # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 3-    XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, # 4- XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 5- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, # 6- XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 7- XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and6fraudulent accounts ( # XXXX XXXX XXXX XXXX XXXX   XXXX  # XXXX XXXX # 2 XXXX XXXX XXXX # XXXX, # 3 XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) . Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: UT

Complaint narrative:
XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX  I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: UT

Complaint narrative:
XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.

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 2019-05-27 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: UT

Complaint narrative:
XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.

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 2019-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: FL

Complaint narrative:
About a year ago I acquired a debt with XXXX credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with True accord and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the XXXX website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX a duplicate payment for the full payoff was made. I attempted to get the credit card company to return the 2nd payment on several occasions both via phone and email. I was told it was sent, then it would be sent, then when pressed for a check # and issue date was lied to again. I was advised on XX/XX/XXXX via email that the funds were returned ( I have attached ). The following week my account was still showing a credit in the amount of the duplicate payment so I called AGAIN. On that call I was advised it had not been sent so I asked for a manager who flat out lied and told me it was sent after I demanded a check number ( she could not provide ) I demanded to know what day it was sent to she said it had been sent on the XXXX. After several weeks of not getting my money back I filed a complaint with my bank to get my funds back. I have also attached a copy of my transaction history showing it was never reversed until my bank pulled it back on the XXXX. Now the credit card company is charging me a {$25.00} charge for a returned payment when they were holding {$1700.00} of my money when I had a XXXX BALANCE! I should not have to pay a charge because they refused to return money they were not owed and I had to have my bank intervene.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief