vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-08-27 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I ordered laser checks from a branch of the bank and I was charged a fee. The checks were not what I ordered and they were not picked up at the branch. The branch then reordered the checks and I was charged another fee - but the original check fee was never reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: CA

Complaint narrative:
On XX/XX/2019, I received three letters claiming I owe money from cashed checks at XXXX and XXXX located in XXXX, MI. I responded with a request for debt validation and cease and desist request on XX/XX/2019 sent through certified mail with return receipt. On XX/XX/2019, I received a response with copy of receipts and no proof of right to collect debt or any information tying me to the debt. The information provided does not prove that this is a valid debt or that i am responsible for it. The company continues to harass myself asking for my bank information, driver license, and other personal information. I refuse to provide any personal information and believe they are committing fraudulent activities. I do not owe this debt, there is nothing tying to this debt, and I have never been in the location they claim the check was written and cashed. I have called my banks to verify if there has been any fraudulent activity from a checking perspective and none has been noted. There is no record of me trying to purchase anything at these location and there is proof I was not there during the time of dispute.

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a XXXX payment of {$500.00} as a deposit for a private sale and the money was posted the same day into my Chase checking account. Three days later the payment completely disappeared from my account showing no transaction that funds were deducted. When contacting Chase they verified that the funds had been received but claim XXXX had an outage that cancelled transactions, and that the money was being sent back to the receiver. The most concerning thing about this is that the money just disappeared from my account without any recording transaction. And Chase claimed they could not give my proof that the money had been sent back to the sender. I contacted the sender and they have no record of the money being returned to them, and sent me screen shots of their bank account to prove it. So {$500.00} just disappears into thin air? I believe consumers should know the risk of using XXXX, particularly because Chase claims there is nothing they can do about it since it's a XXXX issue, and XXXX is telling me they can't support me since I use XXXX through my bank account. If payments are revocable, that should be made plain to the consumer, and communication should go to the sender and receiver letting them know the payment has been returned ( neither sender nor receiver were notified ). 

CONSUMER BEWARE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: MI

Complaint narrative:
On XX/XX/2019 a Certified letter was created and sent to Experian Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named XXXX XXXX for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that Experian is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to XXXX XXXX demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from XXXX XXXX. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from Experian informing me that the company ( XXXX XXXX ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to Experian and my dispute remains unchanged This is NOT what I requested from either Experian or XXXX XXXX. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.

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 2019-08-27 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: GA

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by Equifax for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX   account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Update to the following complaint. In short, Suntrust did not return all of our money. they still have {$15.00} of our money ( joint account with my daughter XXXX ). She deserves all of her money from fiasco Suntrust created with their EFT from XXXX XXXX. Because of EFTs between XXXX XXXX and Suntrust ( XXXX 's account ) Suntrust took our money and access to our accounts for 21 days. Eventually they gave our money back, except {$15.00} of XXXX 's account. Please return it to her/me. 

I have 4 accounts at Suntrust 1. my checking account 2. my savings account 3. a joint account with my daughter XXXX 4. a joint account with my son XXXX. 
Late last month on about XXXX, XXXX 's account got a deposit of XXXX dollars. XXXX knew nothing about where it came from so I called Suntrust. I let them know this doesn't look right. Concerned about it, I asked the Suntrust rep to transfer her balance of XXXX dollars to my savings account. That is the last access we have had to all of our accounts. On the following Monday all of my accounts are closed. Suntrust will not give me my money. They put the accounts in hold/closed status and refused to give me my money.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : 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 2019-08-27 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 applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : 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 2019-08-27 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: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.

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 2019-08-27 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: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.

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 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 received a letter, at my residence, from Wells Fargo saying that my Identity cant be verified & to call. I called and was instructed to visit a Wells Fargo branch with identifying information before XX/XX/2019. 
I went to a Wells Fargo branch and presented my drivers license, electric bill, water bill, social security card, and a couple other credit cards. The advisor called corporate to confirm the necessary information. 
On XX/XX/2019, I received another letter, at my residence, stating Identity cant be verified. 
I again went to the same branch and the same advisor made additional copies of my identifying information. She also called Wells Fargo corporate, to verify that all the information was received. 
On XX/XX/2019, I again received a letter, at my residence that my Identity cant be verified. 
For a third time, with the same branch advisor, I went to Well Fargo and asked what was going on? The advisor called again and asked that I provide the verifying information including drivers license again. 
Instead I said that I did not understand how this situation had escalated or could not be cured given all of the documentation and physical visits to the branch. 
I said that I was concerned my identity was being compromised and because the original credit card offer came via an offer to apply via XXXX, a credit bureau, and that Wells Fargo was in possession of my full credit report, in addition to having me physically appear in the same branch office three times, to please withdraw the application and destroy the file. The advisor said she did not think this could be done and instead advised me to be patient. 
All of this activity happened before the Wells Fargo determined cut-off date of XX/XX/2019. 
I then called XXXX  to ask what the issues were and the XXXX account executive suggested filing a complaint because of the unusual nature of the situation and to protect my identity from fraud or other misuse. 
Please advise.

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 2019-08-27 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: FL

Complaint narrative:
I DON'T RECOGNIZE THIS ACCOUNT, I HAVE NEVER APPLIED FOR THIS COMPANY. I DON'T HAVE ANY CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.

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 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I received a letter stating a new debt collector was assigned this debt. the debt changed hands a couple of times, when i asked for proof of contract they often didn't respond and then I was notified by a new collection agency that they were collecting on this debt. when XXXX XXXX  XXXX sent me a letter i asked them to validate the debt in response they sent me billing statements. I challenged them and asked for proof of contract and chain of title. When I asked for this they in return said I was being sued. This company misrepresented themselves, they presented as the debt collector and then they were also the attorneys for the company ( XXXX ). I am familiar that this company has had similar violations in the past and they cant be the debt collector and turn around and be the attorney too. I am also consulting with credit attorneys but i wanted to file a complaint as they are suing me and have violated the FDCPA.

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