vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 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: SC

Complaint narrative:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, EXPERIAN, 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 non-monetary relief
Consumer complaint received 2019-10-31 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: CA

Complaint narrative:
On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

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 2019-10-31 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: CA

Complaint narrative:
On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I have made several attempts to fix this issue and have been unable to resolve it. No one can tell me anything except they can't find an account in my name but these debts are on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I requested an additional card on my XXXX XXXX Platinum Card & received a notice that the card could not be processed. 

I picked up the phone to call them at XXXX. While waiting for someone to pick up the phone, At XXXX I received an email from Experian stating my credit report was pulled by XXXX. 

I then contacted XXXX who informed me that because of the fraud alert my credit had to be pulled. 

Problem is, I did not apply for a NEW LINE OF CREDIT. I requested an additional card on an EXISTING ACCOUNT. 

They also did not call to verify that it was okay to pull my credit or I would have informed them NO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: NV

Complaint narrative:
Over the past 10 years I had check my credit report, on XX/XX/2019 XXXX XXXX XXXX called me and said I owed them {$2800.00} which I had no knowledge of that's when I realize I was a victim of Identity theft. I filed a police report and a report with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX NA XXXX XXXX XXXX. XXXX. XXXX, 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 2019-10-31 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX, 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 non-monetary relief
Consumer complaint received 2019-10-31 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: TX

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX. lnquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
they closed my account for no apparently reason I had direct deposit come into my account because somebody stole my card and multiple times and he gave me provisional credit each time Chase is the worst bank my card number XXXX was supposed to receive a direct deposit on XX/XX/XXXX it's now XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX around XXXX XXXX {$980.00} Cash Deposit Claim # XXXX I made a {$980.00} cash deposit at the UNION BANK ATM located at UNION BANK XXXX XXXX XXXX XXXX there was a drive way leading to the UNION BANK ATM with arrows pointing to the machine. The Machine screen has UNION BANK sign. I used my UNION BANK Debit card and deposited XXXX {$100.00} Bill and XXXX {$20.00} bill. 
XXXX * {$100.00} = {$800.00} XXXX * {$20.00} = {$180.00} Total Deposit {$980.00} The machine indicated due to technical reason my deposit was not completed. The same problem happened to me several months ago with cash deposit at the UNION BANK Located at XXXX XXXX XXXX XXXX at XXXX XXXX CA, I called the XXXX number they told me to contact the bank, which I did the manager of the bank checked their ATM machine and credit my account for the deposit right away. With that experience today I walked to the UNION BANK and told the manager of the bank that I just deposited {$980.00} cash and the machine did not give me credit. Ms. XXXX XXXX Branch Service Manager gave me a phone number to call to place a claim, she told me we are not responsible for the UNION BANK ATM machine at our parking lot. This response was not acceptable to me, I made complaint and asked her to call the number and let them know that I am at the bank and they need to give me the credit. She did call and I was given a claim # XXXX by a person called XXXX who told me it will take any where from 10 to 90 days for them to investigate the case to get the credit. I did not accept that response and asked to speak with her supervisor XXXX, she told me they collect the cash daily from the machine, but the policy is to wait from 10 to 90 days to process the claim. I made sure to ask that our conversation was recorded and repeated what she told me 5 times, indicating how absurd her so called policy is, she was cold and had a take it or leave it attitude, and made no efforts to help me. 
I am requesting the CFPB to open a case against Union Bank and requesting that Union Bank to Credit my account {$980.00} today and compensate my account for my inconvenience {$250.00} per day penalty for every delay starting XX/XX/XXXX until full credit of {$980.00} is recorded. 
I believe their response to their machine failure is not acting in good faith and illegal. They need to put a sign on their machine warning that deposit your hard-earned money at your own risk to be acceptable to go and check to see if the money is there or not right then and there. 
To me having this happen twice in one year has criminal intent all over it.

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 2019-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Co : Specialized Loan Servicing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX URL : www.sls.net Phone : XXXX Total Amount Due : {$620.00} ( As Stated on Statement ) Total Amount Timely Paid : {$620.00} ( XX/XX/XXXX) After Payment Due : {$21.00} ( Rep said will report late if not immediately paid on phone ) Date of call : XX/XX/XXXX Payment Confirmation : {$33.00} ( Rep said no phone fee but charged {$12.00} on XX/XX/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 2019-10-31 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: TX

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-10-31 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: TX

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX XXXXXXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
They terminated my account saying I violated their terms. They refuse to tell me what violation and will not issue my funds to me that they are holding. A roommate sent me funds for his portion of the rent and they are holding over 500 dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and my complaint is against the Bank of America with the Merchant Account service. I opened an account with them to be able to make charges for the services provided by my moving company named XXXX XXXX XXXX. 
When carrying out my first transaction on XXXX XXXX, 2019 for an amount of XXXX, the client 's card declined me in two occasions but on the third occasion the transaction went smoothly and on the next day the bank gave me availability of that sum without any trouble. On XXXX XXXX, 2019 I made another service to another client for XXXX and they put the money on hold, on XX/XX/XXXX I made a third service to another different client for XXXX also putting this amount on hold. I call the bank worried and the answer they give me is that this money is under investigation for the alleged first two transactions that had declined. I argued that these last two transactions had nothing to do with the first service charged since there are three different clients. They told me that I was under investigation and without further explanation and that if I wanted me to close the account that they had 180 days to review and that all the transactions I made were not going to give me my money. Several days went by and after receiving no response I kept trying to solve the problem but they always evaded me and none gave me a solution so I told them to tell me where their offices were to go and nothing gave me just an email to which I sent All the documents of my company, of the company to which I am subcontracted which is the one that gives me the contracts, send the three contracts of the three clients, the invoices signed by the clients. A few days later I called and they told me to let them work, so lethally and I told them that please check if they had received my documents they said no, rectify the email and it was correct but resend everything again and nothing like this happened a few weeks until They call me to tell me they won't give me that money without further explanation. I have had many problems as a result of this I was a month without paying my debts since I had the availability of that money and I need to finish solving this situation. 
My merchant account information Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX FL, XXXX Phone 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 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
they won't allow me access to my account online and buy phone they forcing me to go to a branch and the branch nowhere near me I'm in XXXX Virginia the closest branches and DC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Freedom debt relief called me in XX/XX/XXXX ( XXXX XXXX ) and sold me a dream on how they were going to consolidate my debt and it would only cost 12 dollars a month. come to find out they have taken over XXXX and only XXXX has gone towards my debt the rest they have kept. and said its they fee. They started taking money from me in XXXX XXXX XXXX and XXXX XXXX dollars a month unit XXXX. for a year. Theses people are scam artist. My credit score was XXXX when i started with them now its XXXX because instead paying the debt they keep them money. SHAME ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
I have a bank account at First Security Bank of Missoula, a division of Glacier Bankcorp. I have funds deposited in my account. An unrelated individual uses the same institution. This individual and I agreed that we would settle an obligation by transferring money from my account at FSB to their account at FSB. I went into my local branch today and asked the bank to transfer the funds from my account to the other person 's account. The bank took money from my account and placed it into the other person 's account using the name/account number I provided to the bank. 

I next asked for a receipt or some form of documentation that the money had been removed from my account. The bank refused to give me a receipt. I would like a receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: WY

Complaint narrative:
I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. 

Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. 

I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. 

XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. 

I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. 

At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.

Company response to consumer: Closed with explanation