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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX 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. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}

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: 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 {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to XXXX  and Experian to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 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 — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX  ORIGINAL CREDITOR SOLD MY DEBT TO XXXX, WHO PREVIOUSLY REPORTED ONTO MY CREDIT AND WAS DELETED - THEN XXXX SENT IT TO A SECOND COLLECTION AGENCY NOW NCA NATIONAL CREDIT ADJUSTERS WHO HAVE REPORTED THIS FOR A SECOND TIME ON MY REPORT I ADVISED THEM THEY ARE VIOLATING FDCPA AND IT NEEDS TO BE REMOVED SHE ADVISED TO ME THAT " IT WAS SOLD TO THEM SO THEY CAN REPORT IT ''

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 {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} 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: 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 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 {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not have the time or emotional energy left to list all the specific details you wnat. 
Experian 's system always gives me issues when the other two companies do not. 

I can not get their system to simply work to unfreeze my credit file and I always have to mail them a letter about it becuase the online system ALWAYS boots me to this page that says I MUST MAIL A LETTER AND COPIS OF DL, SS card, utility bill. 
I try their Credit Unlock/Lock that is suppossed to allow credit inquiries and it has no affect whatsoever, they still tell credit inquiries that my file is frozen and will give them no info. 

The phone system they have gave such limited choices last year that just trying to get to a human being for help led them to AUTOMATICALLY Reporting Fraud Attempts on my account that set all my credit bureau files on FREEZE. 

This makes the ability to freeze and unfreeze just preposterous and the lock/unlock does not even work.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I waited much longer than the 180-day period as indicated by PayPal that the funds would be held and, as of XX/XX/XXXX, the account shows a zero balance and the funds have not been returned. On XX/XX/XXXX, PayPal withdrew all of the funds, {$7800.00}, from my account. The transaction note cited damages caused by Acceptable Use Policy violation. 

I have previously requested a review/appeal of my case with PayPal when my account was limited in which I had submitted receipts for a sample of the sold items which was denied. 

From a previous correspondence from PayPal, they seem to believe these items were counterfeit, however that simply is not the case. These were authentic items purchased from retail/thrift/etc. I believe an assumption was made by PayPal that because the items I sold were branded, that they must be counterfeit, which they find as some justification for keeping the funds for themselves. 

PayPal 's previous responses were along the lines of " you were selling items that contained brand logos and IP owned by other companies that you do not have permission to use '' and that the funds being seized by PayPal being " part of the terms of service that you agreed to ''. 

Again, these were authentic items, and it was legal to sell them under first sale doctrine. 

I have already had a law firm send a demand letter to PayPal which was ignored, and a notice of pending lawsuit sent to PayPal which will be filed if I can not get a satisfactory resolution from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I booked itinerary # XXXX ( XXXX XXXX booking ID # XXXX, e-ticket # XXXX ) through Chase Ultimate Rewards portal using XXXX ultimate reward points with a cash value of {$700.00}. This was for a round trip flight to XXXX, XXXX with dates XX/XX/XXXX-XX/XX/XXXX. 

On XX/XX/XXXX XXXX suspended flights to the USA effectively making my itinerary impossible. 

On XX/XX/XXXX, I received an email from Chase stating my original flights booked were no longer available, which reflected XXXX continued policy of not flying to the USA.  The email from Chase stated that one of my options was you may request a full refund instead of rebooking a new flight. I replied, stating I would like to accept the offered refund. Chase never responded. Chase never refunded me, nor did they cancel my itinerary. 

On XX/XX/XXXX, the day of my original flight, I received a phone call from a XXXX XXXX agent reminding me NOT to show up at the airport because there WAS NO FLIGHT departing from the USA to XXXX. She reiterated that my flight had been cancelled and that I should request a refund from Chase. 

Since then I have sent 5 additional emails to chase requesting a refund. Several were ignored completely. Other time I received a reply stating I was only being offered a travel credit. Since I rejected the travel credit and requested the refund I am entitled to UNDER LAW, Chase has not responded at all. Per DOT law I am entitled to a REFUND to my original method of payment. 

My 6 emails to Chase requesting a refund have been dated ( and are attached in the supporting pdf documentation ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a second email ) XX/XX/XXXX XX/XX/XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
SUBJECT : KEEP NOTES My servicer is FedLoanServicing ( myfedloan.org ). 

I submitted a request for employment certification. It was processed incorrectly, assigning dates that had no relationship to the dates on the employer-signed form which I submitted. Based on those bad dates, I was given PSLF credit for the wrong payments. 

On XX/XX/2020 I used the servicer 's website to submit a message requesting re-processing / correction. 

As of XX/XX/2020 nothing had happened, so I called. The representative ( XXXX XXXX ) could see that I'd submitted a message on XX/XX/2020, but the representative COULD NOT SEE the text of the message, nor did she think that the person who eventually processes the correction would be able to see the text of my message. The representative sent her own request asking for the previously submitted documents to be re-processed with the correct dates. I also asked XXXX to send me confirmation of my call and her actions. She said that a " special email '' would be sent to me in 7-10 days. 

Also on XX/XX/2020 I spoke with a representative ( XXXX XXXX ) to follow up on a XX/XX/2020 request to have my XXXX payment refunded as authorized by the CARES act. XXXX COULD NOT SEE my XX/XX/2020 request, which again I had submitted via the servicer 's website. He could not see my request at all, even though I have a copy of the request text, a screengrab of the system 's confirmation of receipt of the request and a copy of the same-day email confirming receipt of the request ( but not including the text of the request ). XXXX re-started the request and also requested that a confirmation of his actions be sent to me.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been struggling to lift my freeze with Equifax for the past month. I can easily lift with XXXX & XXXX, but Equifax is the worst. I am currently trying to get a mortgage approved, but they can not access that bureau. I try to log on the website and get an error message. I call in to the automated freeze lift and it always hangs up on me. I talk to someone, who by the way barely speaks English or understands me and then they tell me that they can not verify me for whatever reason and then they tell me to fax my information in ( drivers license & ss card ). Well, the fax number they provide and any found online and on their automated system are ALL incorrect. Sending by mail, you don't get a response or hear anything back. The last rep/supervisor I spoke with hung up in my face. I am extremely annoyed and over all of this. I need my Equifax unfrozen immediately as I am in the home buying process.

Company response to consumer: Closed with non-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: 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: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Hello, I have applied for a refi with amerisave mortgage and they took XXXX from my account. I applied XX/XX/XXXX and since then I have had minimal to no response from any of the loan officers, managers, or anyone from that company. I have given them all the needed documents to finish the refi but now that they have the XXXX from my checking account I hear nothing from them and I don't know how to get my money back. they have mad me suffer thru this for weeks now and I'm very upset. I have XXXX XXXX and other health problems and I'm getting sick over this. 

I have tried numerous times, left hundreds of messages and no one is responding. 
I need help with this. can you please advise. 

this is the loan officers info : XXXX Started XX/XX/2020 Loan Type Refinance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Status In Process Loan XXXX XXXX XXXX XXXX XXXX here is the other person who never returns my calls or emails : its been a month now. 

Loan Processor XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, i've tried every phone number I can find for that company and everyone of them know its me calling because of my number. they won't answer the phone if they see my number on there end. they hang up on me, pretend I can not hear them and hang up. 
try there customer service and no one answers. 

I've been ripped off bad and I don't want this to happen to anyone else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
****Hello, My name is " 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 Transunion.com 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 XXXXXXXX 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 _COLLECTIONS OF DEBT : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

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