vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX  there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : XXXX** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information  that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX **XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX _XXXX XXXX XXXX : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: IN

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2020-06-04 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: IN

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: IL

Complaint narrative:
I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. 
I would like the credit reporting agency block all information associated this act of thief. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX Inquiries made by unknown Identity theft Company- XXXX XXXX  Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-06-04 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: FL

Complaint narrative:
I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES 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 2020-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The Covid Economic Impact Payment prepaid debit card was issued to me and I used the information to find an ATM machine in which to access the money " without paying a fee ''. See attached screen shot. The website stated the XXXX at XXXX XXXX XXXX XXXX VA was such a location. The machine is labeled " PNC Bank ''. The first withdrawal was no fee. The second withdrawal I was charged a {$2.00} fee. The fee needs to be returned by either PNC Bank or other applicable party. I would not have used that machine if I had known I would be charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Loan was sold to XXXX XXXX before my knowledge. I sent in a request to the original owner/servicer for Covid Forbearance ; XXXX XXXX, XXXX without knowing about the transfer. I received a letter stating transfer of ownership and change of servicer to CMC Funding c/o SLS ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX on XX/XX/2020 ( " CMC '' ). I reached out to the new servicer CMC that week and was told to call back next week because I was not set up yet in their system and could not make a forbearance request. First payment was due XX/XX/XXXX. I made several follow up calls and was then told I would not be set up until 5-7 business days after XX/XX/XXXX and could not make a forbearance request until after i was set up. CMC has had my information since XX/XX/XXXX and I'm still unable to make a request according to them. Even though the calls are recorded and they make notes, I keep getting different information each time I call. Some telling me they would submit my request and even email the onboarding team and the forbearance request team ; others telling me to keep waiting.

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I received a MasterCard gift card from my employer for {$500.00}, purchased on XX/XX/XXXX. 

I went to use the card in XX/XX/XXXX and the funds had already been used - {$490.00} on XX/XX/XXXX. The packaging was fine but the card itself was damaged and the 3 -digit code on the back of the card had been tampered with and removed. The card had clearly been scammed and compromised prior to me using it. 

I called the customer service number on the back of the card and completed an online case on XX/XX/XXXX, providing details and all documentation including photos of the card and the purchase receipt. My case was denied on XX/XX/XXXX and they told me to contact the Disputes Team. 
I completed the online dispute form on XX/XX/XXXX with supporting documentation again but my case was denied on XX/XX/XXXX citing " ... account discrepancies are to be communicated to us no later then 60 calendar days after the transaction has posted to your account. Unfortunately, we did not receive your inquiry within this time limit. We have no resources to recoup these funds for you. '' I explained in my dispute application that it was impossible for me to communicate the issue within 60-days as i hadn't opened the package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: MI

Complaint narrative:
****My name is ** XXXX XXXX **. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the  name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX 02 ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX   XXXX ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX _XXXX, NJ XXXX ** HARD INQUIRIES XXXX  XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed

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 2020-06-04 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-06-04 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from XXXX has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
BB & T sent letter temporarily suspending HELOC account due to XXXX refinance to lower interest rate on current primary mortgage. BB & T sent an Account Closed by XXXX XXXX information to credit reporting agencies. If account is closed, then I certainly don't have any fiscal responsibility remaining. 
Account is open and accruing interest. Information provide to me by BB & T indicated the account was Temporarily Suspended due to a Subordination Request from my current Mortgage holder. I am in the process of refinancing my loan to lower my rate. Account was not permanently closed and should NOT be reflected on my report as CLOSED! If it is CLOSED, then BB & T does not require payment! DOES NOT PASS THE COMMON SENSE TEST! Rhetorically, would a report or any other action been filed if I had not refinanced my loan?

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 2020-06-04 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I reached out to my mortgage company to obtain a payoff letter. I was directed to either fill out their online form or email their payoff department. I did both. I was notified on XX/XX/XXXX, that the title company still did not have the payoff. I called Rushmore who claimed they never received the request. I do have proof of the email being sent. I was told they would put in an expedited request and have a manager call me within 48 hours. XX/XX/XXXX and XXXX passed with no payoff nor a phone call from a manager. I called Rushmore on the 3rd and was sent to a managers voicemail. I left a voicemail for XXXX XXXX, who did return my call. He advised I would have a payoff later that day or tomorrow morning at the latest. I was informed by my title company that Rushmore sent over my payoff but with the wrong property information. So they have sent someone else 's personal information to my title company. It is now XXXX XXXX  on XX/XX/XXXX and I still do not have a payoff nor have I heard from XXXX XXXX. I am concerned that my personal information has been sent to the wrong person being they sent my person the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I contacted CK customer support via chat/email on XX/XX/XXXX regarding the need to close my CK savings account. I received a confirmation email stating I would receive a check by mail for the remaining balance ( {$1700.00} ) in up to 15-20 business days accounting for possible COVID-19 delays with the USPS. I tried to contact them again today ( XX/XX/XXXX ) and the support chat told me it would move the conversation to email. Which never happened. I'm filing a CFPB complaint as of now since it's ridiculous you can't speak with a human being if issues arise. CK should not have been allowed to provide these financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX  my coinbase account was hacked and used to make {$250000.00} the irs sent me a letter this year and said i owe XXXX in back taxes now. I have attempted to contact coin base for weeks via their customer service app and twitter. I filed identity theft papers with the IRS and a report with the FBI to resolve this issue. Please help me get in contact with coinbase so i can straighten this out my banking documents prove i never recieved the money. 

Also as of today i can not transfer the money i have in coinbase back to my account. My bank and debit card are now unlinked .... 

After the last big movement in bitcoins price the application froze and crashed i could not sell the coins so i lost money. The fees for conducting transactions only display zero and after the transaction occurs there is clearly a fee deducted. 

All i want is my money out of my account my taxes fixed and to never deal with them again. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2020-06-04 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}

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