vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.

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 2020-05-05 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:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$54.00} XXXX  XXXX {$30000.00} XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report is fraud

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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I send a money transaction through MONEYGRAM to my mother she is XXXX years old, with a XXXX XXXX and XXXX ( this money was indented for her medication ), the company warranty that the money is available in 5 minutes, my mother was at the XXXX XXXX, XXXX, XXXX XXXX and first the agent told my mother first that the reference number was incorrect, she called me and I confront that information with her it was same as MONEYGRAM system provide, second they told her that the transaction was already been pick up, well according to MONEYGRAM and my online profile is still available to be pickup, then they told her and me that the transaction did not appear on they are system ; mean time I called MONEYGRAM Myself to confront the information from my online account with them and everything is correct, names, reference number, phone number, email address, I was advise by MONEYGRAM to have agent from XXXX to contact MONEYGRAM, agent from XXXX stayed that they are not allow to contact MONEYGRAM. I spoke to XXXX on the Escalation Department she stated that they can receive a call from the XXXX agent but not call out, I spoke to XXXX XXXX and stated what prior agents have already told me, I spoke to multiple agents that I was not taking dawn they information. XXXX agent stated that they can not call out I need it to call it my self I did and they just keep going on circle. 

Did I mention that XXXX due to Covid # 19 they can only go out every 15 days so this mean my mother will be without medication for 15 day and MONEYGRAM agents event on the Escalation Department just continue reading they are scrip.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MD

Complaint narrative:
We received a letter on XX/XX/2020, from American Coradius International, LLC, toll free phone number XXXX. It states we owe the following and should pay the amount to the address below, it also states we can pay {$470.00} as a partial payment. 
Creditor : XXXX, XXXX Account Number : XXXX Reference Number : XXXX Amount : {$630.00} Make Check payable to American Coradius International, LLC., XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX. 

My statement : I take paying my bills very serious and if I owed XXXX money I would have paid the debt, but this debt is sent to a XXXX XXXX, which is not my name nor the name of anyone in my family. We do not owe XXXX any money, nor have we ever owed XXXX money. After reviewing the XXXX and the XXXX community forum, we noticed there are dozens upon dozens of postings that contain similar cases such as ours relating to the American Coradius International, LLC l. ( ACI ) located in New York. Many users and even non-users of XXXX were contacted by this company trying to fraudulently collect money from home addresss that had fictitious names in the Salutation of the letter. 
We are disputing this for the following reasons : we have not used our XXXX accounts for a very long time ; our accounts show no balances ; there have been no transactions for years ; XXXX has never contacted us about this ; and the letter is addressed to someone that is not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them XXXX XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX XXXX Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX  XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I've tried many time to get them to validate this debt and never got a response and continues to report. I even sent a certified settlement letter last XXXX and still did not get a response, however they removed the account from XXXX  & XXXX  but NOT XXXX. They continue to report to transunion every month and need to have this taken care ASAP. 

Attached is a copy of the Certified Postage that it was received and a copy of the settlement letter.

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 2020-05-05 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: MA

Complaint narrative:
I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.

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 2020-05-05 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: MA

Complaint narrative:
I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
MY PRIVACY WAS BREACHED BY USAA. See attatched XX/XX/XXXX transactions of XXXX. USAA IMPERSONATED THIS MERCHANT PLACING THESE NEW PURCHASES AS XXXX. These are not transactions from XXXX. ( Someone used my private data from XX/XX/XXXX CREATING NEW PURCHASES I DID NOT PURCHASE AND XXXX DID NOT CHARGE. ) Kindly Note Referance # of the XX/XX/XXXX ( F ) ALL BEGIN LETTER F for previous fraud. WHO PLACED THESE UNAUTHORIZED PREVIOUS FRAUD TRANSACTIONS DUPLICATE OF XXXX FRAUD OF XX/XX/XXXX?? ON ACCOUNT XX/XX/XXXX??? XXXX MY PRIVACY WAS BREACHED BY USAA. USAA PLACES AND CREATES FRAUD TO CONSUMER ACCOUNTS PRETENDING TO BE MERCHANT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from XXXX XXXX   through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX  in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.

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 2020-05-05 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:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$84.00} XXXX XXXX  XXXX {$180.00}

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 2020-05-05 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:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My complaint relates to a violation of CFPB regulation regarding allocation of payments against an expiring promotional balance. Link below to applicable regulation https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/53/ # b The relevant credit card issuer is Citibank NA . 

I had balances in two different promotional offers on this credit card. As of the XX/XX/2020 statement, I had {$11000.00} balance against a 0.99 % APR offer expiring on XX/XX/2020, and {$4800.00} balance against a 0 % APR offer expiring on XX/XX/2020. I made a {$6000.00} payment to this credit card on XX/XX/2020 with the intention of clearing the balance that was scheduled for expiration on XX/XX/2020. However, upon receiving my XX/XX/2020 and XX/XX/2020 statements it became clear that the {$6000.00} payment was largely applied towards the other offer expiring on XX/XX/2020. This is in violation of the referenced CFPB regulation. As a result of this incorrect allocation, I had {$4400.00} balance transferred to Standard Purchases with corresponding interest rate of 18.19 %, and I'm starting to incur these high interest charges as of my XX/XX/2020 statement. 

I contacted Citibank NA customer service over the phone to resolve this issue. Their initial response was " well, this is how we allocate payments ''. When i informed them that their allocation was in violation of federal regulations, I was told that this would be escalated to a supervisor who would call me back. I did not receive a call back for several weeks, upon which I made a follow up call and was told that the matter was still under investigation. Nothing happened for another week and then I received a letter from Citibank ( dated XX/XX/2020 ) stating that my request for payment allocation has been denied. 

I have attached the following supporting documents : XX/XX/2020 statement XX/XX/2020 statement XX/XX/2020 statement Citibank letter of denial dated XX/XX/2020

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 2020-05-05 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: CA

Complaint narrative:
I filed a complaint with you guys already and also last Sunday I already called capital one even sent them a file with a tracking number shipping label to let them know I already sent the item back to the merchant to remove a rebilled charge that was in dispute to prove to capital one that the item is out o f my possession and has been returned and still they aren't doing any progress on there behalf in getting this charge off my current credit card balance the company is not contacting me at all and when I call I can not get through the line to anyone I have already filed a dispute with you guys the other day to get through to them and still nothing there office hasn't contacted me yet and also they were supposed to send me some forms on there end for me to fill out in writing for the disputed charge in which they also never mailed me can you please contact them and let them know I never gotten any forms by mail from them to fill out and return I have proof that I sent the item back that should be enough to get this charge off my credit card balance I even called them and told them even emailed them a tracking number the item and still they aren't responding to me by mail or by phone call this needs to be looked into because they aren't doing anything about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I refinanced my mortgage with the current mortgage holder. The loan officer stated orally and in writing several times that since I was refinancing a FHA mortgage that I would receive the funds in my escrow account back once the refi was completed ( around {$6000.00} ). 28 days passed and I received my escrow check back from my mortgage holder in the amount of {$260.00}. I contacted the loan officer about this and he said that the funds from my escrow were applied to the payoff of the FHA mortgage being refinanced. He further stated that this had to be done in order to get the proper loan to value on the refinance. I was never told this prior to the closing and was told multiple times that the money would ge returned to me. I would have continued shopping banks for my refi if I had been told this information. Now I am stuck with a homeowners insurance payment coming due on XX/XX/2020 that I either have to pay out of pocket or use the funds in my new escrow account from the refi, but this will leave me with an escrow shortage when my property taxes are paid this summer and increase my mortgage payment. Consequently, it appears that my refi ended up putting me in the same position that I was in prior to completing it, but with additional costs from the refi.

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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
last month in XXXX, my company gave us a 15 % salary reduction for the next 3 months. I was looking at my finances, and my bank Wells Fargo had a popup talking about COVID-19 and that I could put my mortgage on 3 month suspension, so I clicked thru and got it deferred - WellsFargo said on the site ( among other things ) : A short-term payment suspension temporarily pauses your obligation to make monthly payments for 3 months. During this time, we wont charge late fees or report additional missed payments to the credit bureaus. 

So, that was in beginning of XXXX. When my XX/XX/XXXX payment came up, I tried to make a payment to my Mortgage from my checking account, and i got a weird error message saying " no linked accounts can make a payment to this mortgage ''. I called WellsFargo, and asked them why I couldn't make a mortgage payment. They said it was because my mortgage was in forbearance. I asked them to remove that, because I can make make my payments without any issues and it was a mistake to enable the forbearance. 

So on XX/XX/XXXX, I started shopping for a new mortgage, and am working with a mortgage broker ( MB ), who pulled my credit on XX/XX/XXXX, and told me to pay down a credit card ( which I did ), and he'll pull a new score. today, he pulled the new score, my score went up by 20 points and I'm in a great position for a new loan. Except there's a problem - WellsFargo sent an update to all 3 of the credit bureaus that my mortgage was in a 3 month forbearance - Deferred to XX/XX/2020 - and this is now listed on all 3 credit reports. 

My mortgage broker said this was a HARD STOP to my refinancing as they won't work with anyone with a forbearance on their mortgage. I called Wells Fargo and they said yes, they did remove the forbearance, and will be sending me a letter saying this. But my MB said he can't do anything with a letter. 

WellsFargo will not do anything to remove this from my credit report ( called them twice today ( XX/XX/2020 ) and both times got hung up on while on hold - but basically said said i have to wait until credit reports update next month. i am going to miss my window to refinance. anything i can do?

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