vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the Equifax credit bureau, but did not comply with all the requests. Equifax arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or XXXX XXXX   XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX   company from XX/XX/XXXX to May that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A remark was made from Bank of America on my credit report, which significantly lowered my credit score. When contacted Bank of America, rep was not able to find or locate such remark. As a result, Bank of America was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, I went in to XXXX for a consultation. When I was there, XXXX had written up a Financial Agreement for XXXX to be performed. I was told to call XXXX XXXX, to see if I could increase my credit limit, so I could do this XXXX. 

However : a ) I was declined for a limit increase for XXXX XXXX ; b ) we had the coronavirus pandemic shortly afterwards, and the XXXX location was closed and may still be closed. I'm not sure. 

I didn't want to go thru with this procedure, not only due to the pandemic, which is the greater reason, but also because I didn't want to proceed with this procedure if I had to go thru a million hoops with financing this elective XXXX. 

On XX/XX/2020, I submitted a {$500.00} deposit. I was supposed to have a XXXX consultation on XX/XX/2020, which never happened, due to the pandemic. 

On XX/XX/2020, I both emailed AND mailed a letter to the Patient Care Consultant at XXXX who I had seen just a couple of days prior. I told her that I decided against the XXXX, and I asked for a refund on my credit card. 

I emailed the XXXX XXXX Consultant back and asked her to refund me my {$500.00}, or I was prepared to get a hold of Capital One. 

On XX/XX/2020, I get an email from the Patient Care Consultant, saying " Hi XXXX we been trying to get in touch with you to explain the process of the refund. 

I was working very long hours that day, so I just emailed her back to just email me information about the refund process, or leave me a voice mail regarding getting a refund. 

I have saved a voice mail on my phone from the XXXX XXXX XXXX basically saying that they can't give me a refund. Therefore, I contacted Capital One. 

Capital One assured me that this issue would be resolved, and that my account would be credited. However, on XX/XX/2020, they reversed the credit that they had originally given me and decided to reinstate that charge. 

This whole journey has left a VERY sour taste in my mouth regarding not only XXXX, but Capital One. 

Please note that as of a couple of weeks ago, I removed my name as an authorized user on this Capital One account, as my husband 's and my divorce has now been finalized. I still have the credit card number of MY previous Capital One card ; however, a credit would now need to be applied to my ex-husband 's account, because it is that account in which they reinstated that charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have a dispute with Discover Card Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. 
I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant :  XXXX XXXX Dispute Amount : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-20 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: MD

Complaint narrative:
On numerous occasions, I attempted to have my fraud alert be removed via telephone due to the refinancing of my home. Here are the various dates and names of individual spoken XXXX assist with fraud removal. XX/XX/2020, supervisor XXXX states flag confirm # XXXX and fraud alert # XXXX both removed within 72 hours. On XX/XX/2020 called on same issue spoke with supervisor XXXX, whom stated my account locked could not assist. Thereafter stated there was a cliche in the system and as a result of the depart of consumer affairs fixed, the fraud alert and flag has been removed, so advise my lending institution to check my credit again for the third time in the month of XXXX. In addition, XXXX emailed it Supv to fix online account so I can personally take care of all flags and alerts myself for future. XXXX states, IT Supv will send email 7-10 business days from resolution. XX/XX/2020 spoke with supervisor XXXX whom advised fraud alert removed but flag still on account. XXXX again removed flag and gave me confirm # XXXX and advised it would take 72 hours to be removed. Personally asked to be transferred to Dept of consumer affairs and spoke with ms XXXX who alleged all alerts and flags removed and initiated a complaint for me. Complaint # XXXX given to me. Called XXXX to check status of on line account resolution due to 15 days gone with no email from IT Supv resolution, spoke with XXXX whom escalated the resolution of On line account still being locked out with no email resolution from IT Supv. Within 1 day, problem was finally resolved and able to access my online account. XXXX also filed a complaint for me and complaint number XXXX. I look forward to discussing this frustrating situation with someone so no other consumer will suffer like I did. Please call me at XXXX XXXX. Thank you for your support

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 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a letter last week, regarding a dispute I filed. The letter advised me to close my debit card and to call the number on the letter. When I called the CSR said that there was NO issue with my ca rd or account. I asked if I could read the letter to them, and I did. She repeated her first statement, t here is nothing wrong with the card or account and to disregard the letter. On XX/XX/20 I went online to check my account balance for a DD. I was unable to login. I called CS at Citi, the person said not hing was with my account and transferred me to the IT dept. They said that a hold was on my acco unt and that i needed to speak to the fraud department about my dispute. On XX/XX/20. I was on the phone with Citi for 2 1/2 hours and was transferred to 7 different departments, all departments gave me conflicting information. One CSR said they were reissuing me a debit card and that I should be able to go back online in 5 minutes, because she removed the block ( which was a lie ). The next CSR said they blocked my account because I attempted to add my debit card to XXXX XXXX. The last CSR I spoke with said there was a hold on my account and that it was being handled " behind the scenes '' and that I should go to a bank branch to withdraw cash. When I went to the bank the branch m anager made me wait in the lobby while she called someone. She came back and said that she doe s n't have any info and that they will send me a letter in mail. All of money is at that bank. I'm unable to get my Unemployment payment out and pay my bills, I've been out of work since COVID19. No employee at the bank has told me anything about when I could access my funds only that a letter would be sent out in 15 business days. I forgot to mention that everyone I spoke to over the phone wa s a " manager ''. I'm unclear as to why a bank can keep and money and not tell me why??

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 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I refinanced my home and had a escrow refund check for XXXX mailed to me on XX/XX/XXXX it was stolen out of my mailbox, I know this because the perpetrator opened a XXXX virtual wallet account in my name using my SSN and deposited my refund check as well as 2 other checks belonging to other 's in that account and the statement 's and letter 's i did retrieve out of my mailbox. I contacted Lakeview right away before the money was withdrawn and assumed that they had stopped payment, only to find out today that this check had been cashed and no other check has been issued. I can not seem to get Lake view loan servicing to reissue another check, they have repeatably lied stating a second check was mailed out on 3 different dates, also stated they would expedite and overnight a new check. But they can not give me a check number associated with the supposed second check. However today they stated that i needed to file a police report and call XXXX XXXX which is their bank account. XXXX XXXX would not of course do anything because it is Lake view 's bank account and police told me to go to the Postal Inspector which I did. 

I can not seem to get any resolution or help with Lake view, which technically owes me this refund. 

I can provide copies of the XXXX fraud account that was opened that shows were the check and others were deposited. I also notified XXXX that I did not open this account and to close it and return the funds, I assumed that was done, however I found out today that also did not happen. I am also notifying the XXXX and identity theft .gov as well as the Federal Reserve about this matter. 

if anything furthur is needed please contact me Lakeview as been giving me the run around since XXXX I have called Lakeview and XXXX numerous times about this and have documented all dates..

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 2020-05-20 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF INFORMATION

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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Traded a vehicle that was financed thru TD Auto Finance on XX/XX/2020. The payoff check was received by TD Auto finance on XX/XX/XXXX. The payoff amount was overstated on the contract by {$10000.00} thus being an overage which TD Auto finance must pay back to either myself or the dealership. I was initially told by TD Auto finance that within 30 days I would receive the check for the overage. I waited and called after 30 days at which time I was told the check would be sent to the dealer where I traded my car and they would have to issue a check to me. TD Auto finance states that an internal request was sent to their accounts payable  department on XX/XX/XXXX to issue the overage check back to the dealer. The dealer and I have attempted to get an update each day since XX/XX/XXXX and have been told that it is waiting to be processed. My most recent call was today XX/XX/XXXX. The dealer is willing to cut a check back to me based on TD Auto finance acknowledging that a check has been cut and will be sent but they were unwilling to make that claim. The vehicle has been paid off since the XXXX of XXXX and they have been holding onto my {$10000.00} since that time. At this point I am concerned that TD Auto finance may be facing financial hardship and I will never see my money. Consumers incur credit rating repercussions if payments are 30 days late and it would be appreciated if the lender held themselves to an equal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: GA

Complaint narrative:
I sent Equifax a dispute pointing out several inaccuracies. They responded with my credit report and failed to fix several errors/ inaccuracies. By law ( FCRA 611 ) the disputed items are supposed to be either corrected or deleted when notified of them. I also sent a 15-day method of verification dispute letter ( FCRA 611 ) which I am still waiting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A remark was made from XXXX  XXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXXXXXX XXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A remark was made from XXXX XXXXXXXX XXXX on my credit report, which significantly lowered my credit score. When contacted XXXX XXXXXXXX XXXX, rep was not able to find or locate such remark. As a result, XXXX XXXX XXXXXXXX was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.

Company response to consumer: Closed with explanation