vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

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 2021-12-03 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: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX  and my ability to get approved.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I had a credit of $ XXXX deposited into my PNC checking account showing Covid credit as the category. When I contacted my bank as to what it was, I was informed it was a credit like citizens had received before during the last year for pandemic. I never requested this money I never signed anything, etc. Amazing, so I thought. 
My direct deposit paycheck hit my account at midnight today and PNC took it saying my account was now overdrawn and used it to repay what is now showing as a $ XXXX temporary credit. 
I am a XXXX mom and this took my rent and groceries for the next XXXX weeks. My next paycheck will also be taken for the outstanding difference. 
I contacted PNC who now denies any of this and states if was financial assistance, which again I never requested. They would not even assist with a payback plan or anything. 

This is absolutely unethical banking practices and theft on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: MI

Complaint narrative:
On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved.

Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me XXXX XXXX due to my credit being damaged due to their negligence.

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 2021-12-03 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account number XX/XX/XXXXXXXXXXXXXX Original creditor XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}

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 non-monetary relief
Consumer complaint received 2021-12-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Revolving Payment status Charge-off Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
I opened the custodial checking account with Axos Bank on XX/XX/2021 and tried depositing {$1000.00} check via the mobile app. 

I have been getting rejections twice. After the third attempt, the deposit finally had been " successful '' ( XX/XX/2021 ). Since then, I am still waiting for the funds to show in Available Balances ( it has been 8 business days already ). The money has been taken out from the original bank account, but is not available in Axos account... 

Calling Customer Service does not help. The response is " check is on-hold '', but why? Please help, this bank is terrible. 

Bank Name : Axos Bank Account # : XXXX Name : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

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 2021-12-03 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mother, XXXX XXXX XXXX, passed away on XX/XX/XXXX. She had been in a XXXX XXXX & my sister had been her Legal Guardian of the Person & the Estate. Her job stopped the moment my mother passed away. My mother had a will & I am the XXXX. My job started the moment my mother died. 

I went to the XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX to record her death & start the administration of her estate. They were behind in their work & didnt have the Short Certificates available then. They mailed them to me. I got them in the mail on XX/XX/XXXX. I made an appointment at XXXX XXXX XXXXXXXX, PA for XX/XX/XXXX, to set up an Estate Bank Account. 
I then made an appointment at Wells Fargo Bank for XX/XX/XXXX. I showed XXXX XXXX my ORIGINAL DEATH CERTIFICATE & SHORT CERTIFICATE. She noted that & made copies of both. She then called her contact at some legal division of the bank. They told her there was a hold put on the account & that only they can lift it. They also told her that ONLY my sister can close the account. I told them that was against the law. The law states that Legal Guardianship ends upon death. XXXX stated that to whomever she was on the phone with, but they would not budge. She said she has to follow their rules. 

I had checked with my friend who is a lawyer prior to going to Wells Fargo. He told me what the law was. 

While I was at Wells Fargo, I called XXXX XXXX from XXXX XXXX  ( the woman who set up my mothers Estate Checking ). I put her on speaker phone. She explained exactly what I had said to XXXX. XXXX got up & stormed out of the office & came back with the bank manager. She said the same thing. They have rules & they must follow Wells Fargo procedure. 

They did finally issue a Cashier 's Check made out to XXXX XXXX XXXX XXXX for {$12000.00}, which was the amount in my mother 's Irrevocable Burial Fund, which left a balance of {$1300.00}. I did forward that check to them. There is also an outstanding balance of {$2200.00} owed to XXXX XXXX, as well as another {$3000.00} for the headstone owed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( thru XXXX XXXX ). As well as ap proximately {$2000.00} ( so far ) owed to me for expenses paid by me. 

By law, they have to release that money in a Cashier 's Check made out to the Estate of XXXX XXXX XXXX, which I will then deposit into my mother 's Estate Checking Account I set up at 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 2021-12-03 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NC

Complaint narrative:
hi, I have paid locker rent for 1 year due to my job transfer I moved from XXXX, XXXX to XXXX XXXX during that time I requested prorated amount to be calculated for my locker rent. Before opening the locker they mentioned that locker rent will be calculated based on the usage/prorated. My locker : XXXX for the year XXXX XX/XX/XXXX. 
I closed the locker around XXXX or XXXX of XX/XX/XXXX. I called the US bank XXXX XXXX XXXX but no reply or update properly. 
I have written 2 letters to US bank XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXX but no response. I paid XXXX dollars rent for XXXX safebox used for 2 months so if we calculate I should get approx. : XXXX dollars. Please look into it and issue the credit of XXXX dollars with interest. 
Attached the safe-deposit locker rent copy. 

Thanks XXXX XXXX XXXX ph : 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 monetary relief
Consumer complaint received 2021-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There some negative items in my credit report and dont belong to me XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX KOHLS/CAPONE Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: LA

Complaint narrative:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.

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 2021-12-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I do not believe I was late on the dates you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MI

Complaint narrative:
I would like to report Better Mortgage and XXXX XXXX for false and misleading advertising. Both XXXX and published no origination fees over multiple websites and specifically XX/XX/ I proceeded to apply for pre-approval to refinance a conventional loan based on the XXXX XXXX article. I've attached the initial disclosures and redacted my personal information. I have excellent credit and little to no debt. Origination fee was 6.183 % and the interest rate was 4.375 %. This is just blatant misrepresentation and false advertising on the part of both XXXX and XXXX. I obviously do not plan on proceeding but I would like to make the CFPB and FTC of these deceptive practices in hopes that it XXXX prevent other consumers from these deceptive tactics that could lead to a consumer spending thousands of dollars unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I had purchased shoes from XXXX which were never shipped. I got tired of waiting, thus asked the seller for a refund. They said they prefer PayPal. I opened a new account, despite being reluctant toward using PayPal as I know how parasitic they can be. 

Once the funds were sent to my new PayPal address, all of a sudden, PayPal started requesting for a bunch of documents in order to verify my identity and release my little {$95.00} refund. 

I submitted my government issued ID and other documents. My bank account was linked, I had verified my phone number, my email address and more. 

However, despite having all the information above, every time I'd log back in to check the status, they'd ask for more and more personal information, such as bank statements, proof of fulfillment ( even though it was a refund ). 

They also ask me to resolve my other account from years ago which I don't have access to. They want me to upload dozens of documents to that irrelevant account as well, which is ridiculous. 
I wasted hours on this. Their representatives are unhelpful, they send massive, redundant chat replies, their phone number is useless. 

I believe they their main aim is for me to leave the account unresolved by giving me all this headache. Therefore, they could have/steal my funds, as I suspect they do with thousands of customers complaining on XXXX. 

This isn't about my {$95.00}. They've been locking people out of their accounts with $ 100k in them to possibly earn interest on those. Others claim PayPal has stolen thousands of dollars from them. Please see below. 

https : XXXX XXXX regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: CT

Complaint narrative:
Dear Sir / Madame. 

I received a collection letter from a collection agency, Joseph, Mann and Creed, for the amount of {$80.00}. This is in regards to an amount I disputed with XXXX Car Rental which has been subsequently been resolved with my credit card company, XXXX. As a matter of fact, it was resolved with CFPB 's assistance via case # XXXX. I've attached the resolution letter from XXXX. My understanding is XXXX has resolved this issue with XXXX so I'm perplexed why I'm getting a collection letter from the collection agency. 

Not only that but it seems XXXX has suspended my renting privileges with their company as well as my XXXX XXXX status. 

Again, the {$80.00} was incorrectly charged on my XX/XX/2021 rental and therefore should've been correctly reversed by XXXX. 

XXXX XXXX XXXX. The letter from XXXX says they resolved the issue with XXXX for the amount of {$80.00}. However, the original complaint was for {$80.00}.

Company response to consumer: Closed with non-monetary relief