vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}

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 2020-08-04 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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}

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 2020-08-04 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Cedars Business Services, LLC
State: OK

Complaint narrative:
For the past several months I've continued to reach out both to the credit bureaus and collection agencies regarding the fact my identity was stolen and has been compromised. As a result there several fraud related accounts established online through identity theft without my knowledge or consent. For some reason an account by the name of Cedars Business Services continues to report an amount for a loan that I never taken out or received any money from after being notified by both myself and the major consumer reporting agencies that this is account is from the result of identity theft and or fraud. By continuing to report this fraudulent account, it violates both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. This issue has been going on Since XX/XX/2020 and I would like something done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is still reporting XXXX XXXX XXXX, XXXX   XXXX XXXX & XXXX on my report as verified. I have requested documentation to show how this account was verified and my request have gone ignored. I have filed 6 complaints with the CFPB and Experian states that I am a third party even with proof that I am the person making the claim. 

Experians continued response to my complains are a clear attempt to avoid addressing the false reporting. 

Experians response to all compliants : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' XXXX and XXXX   have removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was unable to verify. I have asked Experian to show how they were able to verify this account and XXXX along with XXXX have not been able to verify. I also requested the documentation used to verify which they still have not responded to all of my request. 

I have all records sent to Experian with receipt showing that they were received by Experian. Documents attached to this complaint is just a few I was unable to attach all it took over an hour to attach the documents below. See previous complaints attached for additional documents. I will be able to mail or email additional documents if the CFPB Judge reviewing this case needs to see all of them.

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I reported an unauthorized transaction on XX/XX/2020. My debit card was in my possession and I was at home caring for my newborn. Chase provided a provisional credit to my checking account for the transaction amount {$650.00}. The merchant provided transaction information to Chase which shows the transaction was PIN and Chip. Chase bank refuses to conduct further investigation into the transaction stating that they do not rely on a customer signature, and the only way for me to recover funds is through a police investigation and to sue the person responsible. The bank apparently also can not view camera footage to see that it was not me making the transaction, and told me that if I can provide proof that I was home caring for my newborn they may be able to investigate again. The problem is I can not prove that I was home, and that would also be a problem for providing that information to police as well as proving that I never gave anyone else permission to use my card - Which was in my possession. 

My identity was compromised in XXXX when Chase bank allowed someone in New Jersey ( I live in New York ) to add my debit card information to their digital wallet for personal use. I found this out on XX/XX/2020 when I reported unauthorized XXXX XXXX transactions and an unauthorized New Jersey utility bill transaction. I believe this individual may be responsible for using my debit card information to make the purchase in XXXX. 

Chase bank states that EMV chip cards can not be duplicated. Research shows me otherwise as it has been successfully done before and there is malware available for purchase on the dark web. I am submitting another dispute with the information that shows EMV chip cards CAN in fact be duplicated. I want my funds recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Starting in XX/XX/2020, I began to repair my credit by paying off old and bad debt. I noticed my Experian score is 30-40 points lower than XXXX   or XXXX. Recently, and on a daily basis, I have seen ads run on TV and online for Experian Boost. They want you to register with them with personal information such as bank accounts and how you pay your bills to boost your credit score. They offer it for free but also have a paid version. If you sign up for their service and pay them a fee it looks like they will raise your score even more. I have tried to do this with the free version but they do not list the credit union I use to pay my bills from. I tried to call Experian but never get through an automated number and it eventually terminates the call. You can't talk to a live person! I posted this on their XXXX site and they sent me a private message asking how they can help. They wanted me to send them my personal information including my credit union information over XXXX XXXX. Not gon na happen! Not with ID theft as bad as it is. I asked is there a number I can call and they said there isn't but here is an email address and they gave it to me. So my problem is they seem to be holding everyone 's ( including mine ) credit score hostage at a low  score until you either pay them or sign up for their service. How can they legally do this? In the mean time my XXXX and XXXX score are getting much much better but Experian is staying really low messing up my credit further. This is not right!!! This is going to keep me from getting financed for further credit later on. Please do something about this because they seem to be holding a ton of people hostage. Just look at their XXXX page and read the comments. If scores can be raised this easily why not just do it anyway without having to use their service?? It's bad and this seems like blackmail or keeping your score low and held for ransom until you pay them. It's a money making scam on their part. ( P.S. I am including screen shots of the conversation with Experian saved in my XXXX XXXX. Here is prove to what they said. )

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 2020-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, The BMW Financial Services account on my credit report does not belong to me and I  demand a cease and desist removal of the tradeline on my report. 

I have no affiliation with BMW whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: AZ

Complaint narrative:
XXXX ASURINT provided a background check for an employer. The employer contacted me and told me i was not honest about my background and im still on probation ( WHICH IM NOT ) so i was not able to be hired anymore. That news got back to my school that im currently enrolled in and now i am in danger of getting dropped from school because you need to have a pre hire to be in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I contacted MIDATLANTIC FInance and also XXXX and XXXX   during the month of XXXX regarding an auto loan that is reporting on my credit report. XXXX and XXXX were both disputed and responded that MidAtlantic verifies this auto loan was for me. I contacted Midatlantic and verified that an auto loan exist with them under someone elses name. The name that is listed on my credit report is XXXX XXXX, her birth year is XXXX, and there is an address in Texas on my credit report that I am not affiliated with. I do not know how this womans information and an auto loan ended up on my credit report but Midatlantic is not doing anything to correct this information as I have called them multiple times. This account to my knowledge is fraudulent and I have done my part to dispute with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I've been trying to refinance my house for several weeks now. I have been unable to unfreeze my credit with Equifax - even after unfreezing this account online ( and it says it is unfrozen ) and several phone calls with Equifax requesting to unfreeze my credit my credit has remained frozen. I have spent hours on the phone with them and there is still no resolution to this issue. Here is a timeline of events : Thursday, XX/XX/XXXX : XXXX XXXX online through myEquifax Friday, XX/XX/XXXX : Bank still unable to run credit due to Equifax Freeze Saturday, XX/XX/XXXX : Called equifax because I noticed the myEquifax information listed for me was incorrect - all of my credit history after XXXX was missing - Every account and credit utilized. When I called they realized there were 2 credit profiles for me and they had to combine them. they told me this would take 48 hours to update and then the bank should be able to run my credit. 

Monday, XX/XX/XXXX : Bank is still unable to run my Equifax credit report due to freeze. 

Tuesday XX/XX/XXXX : Called Equifax again to remove credit freeze. Here is that confirmation number : XXXX XXXX XXXX Wednesday XX/XX/XXXX. XXXX : Bank is still unable to run Equifax credit report due to freeze. I called Equifax again to remove the freeze in the morning. Here is that confirmation number : XXXX XXXX XXXX. They told me after this one to wait 2 hours and have the Bank try again. The bank tried to run a report several hours later and got the same result - credit is still frozen. I called Equifax for the second time in one day and this representative noted the issues and thought there might be an underlying issue with my profile because it was split and combined. He told me that he would escalate the issue and that Equifax would CALL ME back within 72 hours. 

Tuesday, XX/XX/XXXX : Equifax never called me back - they said 72 hours and I gave them 3 business days and still hadn't heard anything. I called Equifax again. I spent 40 more minutes on the phone with them. They were still unable to fix it and the phone call ended because they said their systems were updating and they couldn't help me anymore. This is at noon on a Tuesday that they say they are unable to help me and I have to call again. 

I've spent HOURS on the phone trying to correct this. Every time I call I have to explain my issue multiple times and everyone is always confused about why they can't remove the freeze yet nothing is ever done about it. I'm trying to refinance my house and I can't move forward with anything because Equifax can't get it together. XXXX   and XXXX were able to remove the freeze on my account without an issue. Equifax business practices are causing me harm and it is unacceptable that they have this level of power and can not complete a simple activity after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has repeatedly refused my request for an annual credit report through XXXX  and also the experian.com website directly, with me having gone as far as set ting up a direct account with them only to be denied access to the account as well. Have made several attempts to contact them via phone to five separate numbers to no avail, the repeated result of all of my calls has been to get disconnected or hung up on. No apparent method of contacting a person with my concerns is available. I've spent approximately six hours over three days attempting to rectify the situation without success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt collection agency claims I owe them. On XX/XX/2020 a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. the Bureau of Medical Economics made no attempts to contact me or provide information. Not only did the Bureau of  Medical Economics fail to provide the information required by law, but they added an additional frivolous duplicate account to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On TARGET Website I purchased XXXX XXXX XXXX XXXX for 1 year. As soon as I had charged using Target RedCard # XXXX XXXX XXXX XXXX, I called and went on website to cancel. On or about one week later I received the same software that I had cancelled. I attempted to bring it back to the Target Store at XXXX XXXX, XXXX, Ma. The store stated that since it was purchased off of their website they could not take it back since it was from a seller. I then returned the unopened merchandise through XXXX on XX/XX/XXXX. Please see Return Shipping from XXXX dated XX/XX/XXXX. I then addressed a letter to their President/CEO at XXXX XXXX XXXX, XXXX, MN XXXX. On Monday, XX/XX/XXXX i received a notice from XXXX that my Fico Score had dropped for non-payment. This was followed up by dunning letters from Target. I attempted a resolution but was unsuccessful after spending three hours of phone time. Please see supporting documentation.. I was a Target fan, never will I step foot in this organization again. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I called SPS Servicing mid XXXX about the payments for XXXX and XXXX we're having trouble with on my rental property my son lives in. We've both been impacted by Covid with reduced income, but his employment and income was almost stopped because of the Covid virus impact. 

I told them I wanted to do a forbearance for the payments for the next 6 months as he's getting income coming in now, but will take time to catch up. I asked them to send me the paperwork to complete for the process, and they said they would. NO one told me the paperwork was on their website, I waited for it to come in the mail. 

When I got many letters from them, none contained the paperwork to complete, but one was the NOTICE OF DEFAULT! This is the start of the foreclosure process, which the CARES ACT  was to keep lenders from starting until XX/XX/XXXX per the federal law. I was upset to say the least that I received NO paperwork on requesting help, but a NOD! 

Since I thought, the request maybe handled online, I went online XX/XX/XXXX, and completed the request for forbearance online. I called XX/XX/XXXX and talked to several people ( although wouldn't transfer me to my relationship manager single point of contact ), and they told me they have no application showing my request. Even though I got a confirmation email the request was received ( attached ). Apparently there is a link that says, 'having trouble due to Covid ',  and I needed to fill out that request and not the one that said - need payment assistance. I was not able to complete it as it said I have an application in the system. 

In all the letters they sent me, I received a letter that I have a relationship manager, but they would not forward me to him. The person told me she reset the system so in 15 minutes I would be able to complete the COVID forbearance information. I tried several times, and I can not get the application I already completed with income and reasons for issue. 

My fear is this house has a lot of equity, {$150000.00} ; and the mortgage company is not going to cooperate with this forbearance request. If they start to add on the foreclosure costs, I will not be able to catch up the payments and their MASSIVE foreclosure fees. I can not get the relationship manager to talk to me, and I'll be bounced around until the loan is not cured and foreclosure will move to sheriff sale and all the fees involved. 

We are now 3 payments due and will be making one payment this month, and should be caught up by end of XXXX, worst case XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation