vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: OH

Complaint narrative:
Hello. I received a letter from XXXX dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank you

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 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have requested Validation from Portfolio Recovery Associates. They have failed to provide it. I asked in writing that they stop contacting me. They continue to mail me the same notice roughly weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AL

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 2020-07-31 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: AL

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 2020-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have an online account with BBVA. I am attempting to access my money in the account, and have the funds sent to me, and close the account. As of today, there is {$10000.00}. 

The bank is not allowing me to have access to the funds that I have. They refuse to send me a check with the funds. They insist that I travel to a branch to take out the funds, even though the closest branch is over 1000 miles away from me, and they solicited my business in the mail. 

Alternatively, they will charge me fees, a ) for me to transfer the money to myself, with daily and monthly limits on how much I can obtain, and b ) will set limits on wire transfers to myself, and c ) charge daily and monthly fees once I obtain the monies that are mine. 

Additionally, I have spent hours upon hours on the telephone attempting to get someone to help me, and I am being transfered from person to person, and get hung up on all the time. It appears that the bank 's MO is just to make people 's life so difficult that they just feel that it isn't worth it. 

I would like to be able to access all the money in the account, free of charge, and to close the account. I do not beleive that I am the only one in this predicament, and this is how the bank earns income. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I'm a recent victim of three online scams including identity theft and financial fraudulent charged and unwanted charges. I've been in touch with all three credit reporting agencies. I want to place verify that an initial and extended fraud alert is in place with all three agencies and that they have received my letters of updated phone number, address and other updates. I want them to remove and add and new security freeze to all three files and a security alert. this needs to be done asap.

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 2020-07-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I had a duplicate charge come out of my original unemployment card. Followed the steps to report fraudulent charge, cancellation of card, submitting documentation of fraudulent charge, and requesting a new card to be issued. Now its been almost 4 weeks and Im not able to get in touch with customer service after being on hold between 30 min to 1 hour I get disconnected. All I want is access to my unemployment benefits!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: ND

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three credit bureaus.

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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a conventional loan through Quicken Loan, the loan was purchased by XXXX. I applied and was given a loan foreberance through XX/XX/XXXX. 
I asked Quicken Loans to verify I had enough funds in my escrow account to cover taxes and insurance during this period, and provide a vehicle to make payment directly into my escrow account to ensure taxes and insurance are covered during the foreberance period. 

To date Quicken Loans now my loan servicer will not provide any answer in regards to my escrow account, if enough fund are avaiable to cover taxes and insurance and had blocked me from making direct online payment into my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXXR partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-31 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-31 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: IL

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX, IL, XXXX My name is XXXX XXXX XXXX My phone number 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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good afternoon greetings. My bank account at Bank of America was blocked on XX/XX/XXXX and in XX/XX/XXXX they informed me that they closed my account, I was the victim of a scam, two bank accounts made a transfer as a result of a sale and purchase of Bitcoins, these transactions were successfully executed, but these people called the bank and indicated that their accounts were being hacked, as a result of which the bank decides to block my bank account, I proceeded to send proof that these people received the bitcoins in a satisfactory manner, these tests were sent three Sometimes, the bank arbitrarily decided to close my bank account and debit the amount claimed by those people. I received a letter from Bank of America informing the closure of my account and that the remaining money {$6400.00} would be sent by check to my home address. Eight months have passed since they blocked the account and they still do not return the money, every time I call the bank to ask what happened to my money, they divert the calls, they lie to me, they even told me that they had returned the money to the company I work for, which is not true, and on repeated occasions they hang up on me. I appreciate you can give me a solution to this problem with my money.

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 2020-07-31 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:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-31 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:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates has failed to validate debt and has continued to harass me over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Wrong name on my Equifax account See complaint # XXXX Equifax 's reponse to this complaint is preposterous. 
None of the accounts that Equifax has lists my name as " XXXX '' which Equifax ALONE of all three credit agencies has listed as my name for 30 years in error. 
It is Equifax that is responsible for correcting its own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corp ( collector for XXXX XXXX XXXX ) is reporting collections on my XXXX report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with XXXX & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened A new TD beyond checking account in XX/XX/XXXX on-line. I Received a post card in mail to apply.I had a direct deposit XX/XX/XXXX XXXX and XX/XX/XXXX from my employer into my account ( Met the requirements to receive {$300.00} bonus ). NO bonus posted!!! I have tried to call theTD bank at least 3 times : the last call was on these dates XX/XX/XXXX. I spoke to numerous different representatives/ supervisors regarding this concern, i WAS TOLD TO WAIT max UNTILL 140 days from the date I open the account to receive a bonus since all the requirement to meet the bonus was met. the last representative doesn't know why the bonus was not issued. 
Below is the terms *Offer valid XX/XX/XXXX thru XX/XX/XXXX and is available only to the person addressed in this mailer. {$300.00} bonus offer available to eligible new personal checking customers when opening a TD beyond checking account with cumulative ****direct deposit funds of {$2500.00} or more into the new checking account within ****60 days of account opening. once he criterion is met, the bonus will be credited to new personal checking no later than ****140 days from account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Hello, I paid my debt with XXXX XXXX  with XXXX XXXX and now Southwest credit style is flagging my account for unpaid debt that they bought in disregard to my satisfied account with that debt. 

I submitted a supporting document to the dispute they just said was still valid with southwest credit style. Please fix this error. 

I have bank records to prove my debt has being paid in full for a debt they are still trying to collect on. 

I paid it in full XX/XX/2020 with XXXX XXXX in the amount of {$350.00}, so please resolve this, as I am in the process of building/fixing my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I did back in XXXX apply for a payday loan with CheckSmart to help my mother with her medical bills back then. I was also working as a XXXX XXXX XXXX so I had the financial means to pay the loan back in which I did. I received a phone call from a guy named XXXX and his voice message he left me said that he had some information in his office about me that I wasnt aware of and for me to call the number he provided. When I called the number a young lady who would not give me her name answered the phone. She never said a business name when she answered the phone and neither did XXXX leave the business name In the voicemail. She told me what the call Was about and with a lot of forceful authority in her voice said why havent I paid the balance? I stated its been 13 years since I paid that off and the original building I went to for the loan isnt there and hasnt been there since XXXX. She was really smart mouthed and rude and when I called her on it, she said that she didnt have time for me to ask her questions and for me to have a good day and then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX, IL, XXXX My name is XXXX XXXX XXXX My phone number 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