vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to open a savings or checkings account at Chase in XXXX XXXX. But they denied it because they another client using my ssn with a different name. It is actually a credit card and they told Chase can not freeze or cancel that persons credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-28 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 trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXXXXXX US DEPT ED XXXX {$5700.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXX   XXXX  XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX  XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX  XXXX {$340.00}

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 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have been going back and forth with this company credit collection services since XXXX about an account that they are reporting to the credit bureaus on my credit reports. I spoke with someone from their company on XX/XX/2020 and they couldn't find the account that they are negatively reporting on my credit reports so I asked to speak with someone else because she wasn't helping me any so she told me to hold on and then she hung the phone up. I attempted to call right back and I was able to speak with someone else but they were no help either this agent told me that it was nothing that they could do for me even after I explained to them that I don't owe them anything. This account that this company is negatively reporting on my credit reports is holding me back from obtaining my home loan to purchase my home

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed 2 accounts with Equifax S.S. # XXXX Credit file : XXXX XXXX Conf # XXXX/Account # XXXX Credit file : XXXX XXXX Conf # XXXX Account # XXXX I have disputed these collections accounts recently and Equifax has failed at legitimately verifying that these accounts belong to me ; nor do I consent or will I conform to these items being listed in my credit file fraudulently. I have attempted to dispute these accounts with an Equifax representative over the phone with no success, the representative was not fluent in English. The collection agency XXXX XXXX XXXX XXXX that is reporting this information to Equifax is currently under investigation for fraud by the U.S. Security and Exchange Commission and I have reason to believe that Equifax is willfully and negligently reporting inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
I received a debt collection letter from PAID IN FULL located in XXXX, AZ. I disputed the debt. I provided a copy of the receipt from the dealership. They responded very quickly and stated my receipt wasnt enough and they need a copy of the check. This was a debt from 2015 and my bank doesnt have a copy of the check because its over 2 years old. They refused to remove this settled debt from my credit report. I dont know what else Im supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: TN

Complaint narrative:
My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. XXXX  is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX   XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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 2020-08-28 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED/XXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX ( not XXXX XXXX ) has been reporting a charged off account on my credit reports. Only part of the account number appears on my credit report. I have not had an account for wired service with them for many years, certainly not with an open balance. 

When contacting them, the show no record of any XXXX accounts in my name and are unable to give a account number the reports refers to. But they still are reporting to the credit bureaus.

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 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc.
State: NY

Complaint narrative:
This bank closed my account saying unusual activity when its been the same activity since Ive opened the account, I have Nooooo access to my money and they are saying the account is under Review but I am unable to touch my money they say 10 days then they send a check out with your balance, also once they close your account they put your number on a call block list so that you cant speak to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I Refinanced my home in XX/XX/2020 and I obtained a loan through USBANK ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2020 I called USBANK to notify them that I had paid my insurance out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. USBANK required me to send in an email with all the verification to show. I did so on XX/XX/2020 and USBANK responded verifying that they received the email. In the email, they stated that they would review and correct the issue. I even sent a Certified mail request on XX/XX/2020 just as backup to my email.Since then I have called several times and spent hours on the phone with them trying to get USBNAK to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 60 days since my request in writing and 61 Business days since. I  would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. Thank you, XXXX XXXX XXXX XXXX USBANK ( LOAN # 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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The company Transworld Systems Inc. sent me a debt collection letter and told me I had to send them evidence the debt was previously paid or not owed. Their letter has 3 separate addresses shown on the letter, two of which indicate responses and correspondence should be sent to those addresses. I believe this is a deliberate attempt to confuse the consumer and therefore claim the consumer did not send the response to the correct address. I will now have to send 3 separate certified mailings in order to make sure they get my response showing the debt is erroneous. I sent the company a message to find out which address I should respond to but got no answer. I will attach a copy of the notification with my name redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We were in forbearance from XXXX 2020 with Guaranteed Rate, Inc. We had communication throughout the month of XXXX to bring the payment up to current for those three months. Guaranteed Rate , Inc requires {$12.00} to pay over phone, but we paid online instead and received a confirmation number. Guaranteed Rate , Inc never accepted the online payment, nor did they reach out to say they wouldnt accept the online payment. I had to reach out to them by phone after seven days passed because the funds was still in our account. At this point I was told you can not make multiple payments at once, but would have to be 3 individual payments. I was confused as Guaranteed Rate , Inc payment system didnt relay this information, nor did the agent who I spoke with. We sent them a check in the full amount for those three months and the very next day we received notifications that were 90 days pass due. This dropped our scores tremendously over XXXX points. This makes it impossible for us to refinance in XXXX because now our scores are horrendous. Weve worked very hard to have decent scores for Guaranteed Rate , Inc to thrash them with their incorrect reporting. Our scores will take months to recover from this false reporting. I dont recommend Guaranteed Rate , Inc as they are irresponsible in reporting accurate information. Not to mention they have blocked us from making payments online now. I call them to address this and they just transfer me back in forth for 40+ minutes with no help to resolve the issues. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
I made two requests to Equifax by means of notarized letters transmitted by certified mail with return receipts. The aforementioned requests were that the company either remove inaccurate info or provide written proof that the alleged information is correct, to include sending me the original credit applications and sending me proof of an alleged bankruptcy. The company has not complied with my requests. I request that your agency intervene by compelling Equifax to comply with my requests. 

Further, Equifax just made an unreasonable request. They've refused to further act on my requests until I prove my identity by mailing my driver license and social security to two ( 2 ) desperate Equifax mailing addresses. I feel that this is an excessive request. Why do I need to mail the information to two locations? I am an identify theft victim. I'd like to avoid having my personal information and ID cards floating around different places. Equifax truly is being abusive toward me and I wish that they'd stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2020, I contacted the Customer Service at Barclays Bank Delaware, Mastercard XXXX, and I spoke with XXXX Supervisor. Whom I explained that due to the current Covid-19 Pandemic, I will not be traveling and that I have a XXXX XXXX XXXX, and I wanted to change my Credit card back to the non {$99.00} fee, and ask that I not continued to be charged the {$99.00} annual fee for XXXX XXXX XXXX XXXX I was told by that my credit card could not be downgraded and that I would have to pay off my bill, close my account and reapply.

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX   XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$590.00} XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXXXXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}

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 2020-08-28 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: OH

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}

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 2020-08-28 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: NV

Complaint narrative:
My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was checking on my business account and fought that Bank of America took my money and closed the account without notifying me.I called Bank of America no one could give me any answer everyone was hanging the phone up in my face. Also last year Bank of America close my father account in which he was having the house note come out the account automatically and they close the account which then send the house into foreclosure. We had to get legal aid to us to fight to keep them from selling the house for peanuts my parents are in there early XXXX, Bank of America try to take the house from my parents which they been living in since 1965. This Bank is notorious maybe because we are 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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX reported a payday loan I have no knowledge of. sent this dispute XX/XX/2020. Company responded. information removed. Per company they stated they removed this from equifax. they are in violation as they have still reported this information to equifax even after they stated it would have been removed. per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
REMEX can not and did not verify this debt and it is not mine

Company response to consumer: Closed with explanation