vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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:
Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.

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 2020-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I was issued a 1st and 2nd loan ( HELOC ) in XXXX from HSBC for the purchase of my primary home. In the XXXX housing market crash HSBC forced me into a 'workout program ' at day 176 of delinquency which put me in a 40 year variable 1st and variable 2nd ( HELOC ) for a total principal amount that exceeded my homes value by over $ 200K! 

Over the past 15 years, my interest rates have slowly and continuously climbed up to unreasonable levels. From XXXX to present, I tried multiple times to get HSBC to convert my 2nd to a  fixed rate, because the variable rate is so high I can't afford it. My credit score is OVER 800! I would qualify for everything! 

Today, I am stuck in a pickle in which my homes value is still {$170000.00} below what I owe to HSBC, and HSBC 's answer over the last 5 years has remained ... '' Too bad, we can't help you and nobody else will consider taking you either ''. With COVID I lost my XXXX  and my family. Long ago in XXXX, HSBC intentionally put me in a position of failure, when at that time they held a fiduciary obligation to help me ... and were compensated ( bailed out ) by the government to help me as well. None of that went to me - in fact over $ 200K in interest payments from me went to HSBC instead over the last 15 years. 

I am over a barrel and even today HSBC continues to behave egregiously, and in my opinion usurious in nature - like hogs when pigs are bad enough in the mortgage industry. 

Without the help of the CFPB, I will continue to get screwed by HSBC. Please do the right thing ... Read my suggested resolution and publish it to the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
Ive been a victim of identity theft, this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
Please contact COLUMBIA BANK about my checks that were not only NOT CREDITED, but also, NOT APPLIED TO MY ACCOUNT payable to them in the first place. 

In addition, since I believe that these UNQUESTIONABLY and UNCONSCIOUS mishandling in regard to me and my account which has brought a huge cost on my own credit ratings, I wish to have this bank audited. 

This is NOT an isolated incident. If they have done this to me, they are doing this to other clients that have accounts with them. If this series of events dictates that you launch an investigation and lawsuit against COLUMBIA BANK, I will be willing to support you in such and provide any and all verification of my accounts and communications with COLUMBIA BANK to assist you in your investigation, should you want to ask me to provide them.. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX XXXX. 

I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX. I do not remember working with XXXX XXXX. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is  showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter

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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have been scammed with money transfer through XXXX, XXXX, and 1-time transaction XXXX. XX/XX/XXXX XXXX and XXXX through XXXX. XX/XX/XXXX XXXX and XXXX through XXXX XXXX. XX/XX/XXXX {$50.00} through XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX with XXXX each which sums up {$410.00}. The merchant 's name was XXXX XXXX XXXX in the XXXX associated with XXXX XXXX that's part of the scam.

The company is Money network 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 2020-08-03 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:
Ive been a victim of identity theft, this account does not belong to me.

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 2020-08-03 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:
Ive been a victim of identity theft, this account does not belong to me.

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 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: ID

Complaint narrative:
Recieved call from the number, lady on the other line, asked to verify my date of birth, and actually recited the date of birth before I acknowledged who I was, and find that to be a gross privacy violation and demand that this business stop participating in behavior that is disclosing personal information to others with no authorization to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: DFC Global Corp.
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Aspen Finance on XX/XX/2020 and I have no recollection of doing any business with Aspen Finance. I contacted Aspen Finace, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: IL

Complaint narrative:
Asked Experian and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from XXXX. Also I never received responses with updated credit reports

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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Dear sir/Madame, i am contacting you regarding an electronic financial transaction in the amount of {$300.00} that i made on XX/XX/2020 at XXXX using an internet company called CASH APP. 
The purpose for me to use this app was for me to pay my accountant for preparing my taxes. 
The recipient that the funds were to be paid to, is unable to receive the funds through his cell phone using this company 's app. 
As a result of not being able to complete the transaction, i immediately tried to contact the company cash app 's phone number XXXX and was unable to speak to anybody from this company to assist me.There is no email address for the customer service. I am unable to get my money back from this company, The party that i sent the funds to,, the name and phone number were accurate. The recipient can see the funds, but can not recieve the funds.I need your assistance to get my refund as i am receiving no cooperation from this company to issue me a refund. 
My name and contact information is below. 
XXXX XXXX, cell phone XXXX.Email is XXXX XXXX XXXX   XXXX Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Syncb/Paypal on XX/XX/2019 and I have no recollection of doing any business with Syncb/Paypal. I contacted Syncb/Paypal, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Money lost during transfer from my bank account to others. 
On XX/XX/2020, I sent {$1000.00} from my Chase bank debit account to my friend 's account. But my friend never got the money, and I never received a refund. I've called Chase many times and they are not able to help me to find the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Comenity bank/wayfair on XX/XX/XXXX and I have no recollection of doing any business with Comenity bank/wayfair. I contacted Comenity bank/wayfair, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by Comenity bankXXXX on XX/XX/XXXX and I have no recollection of doing any business with Comenity bankXXXX I contacted Comenity bankXXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: TX

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX on XX/XX/2019 and I have no recollection of doing any business with XXXX. I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

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 2020-08-03 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally Financial : XXXX : Police report wrote that I was using this car for work and I was delivering news papers at the time of the accident. My gap insurance didnt pay out for this because of the false information that was filed by the cop who wrote the report. I was using this car for personal use only. I was driving from one job to the next and told the police officer this. They billed me for the remaining balance and I do not owe this. This cop wrote false 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 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OR

Complaint narrative:
What to Do if You Get an Unsolicited Credit Card I received a U.S. Bank ReliaCard to my home in XXXX OR. 
It was supposed to be for benefits from the Colorado Department of Labor and Employment ( CDLE ) I filed a fraud report with the organization and called U.S. Bank Fraud Department and was told they would look into it. 
I have excellent credit and am XXXX. 
I never lived or worked in the state of Colorado. 
How can I be sure that this will not affect my credit or IRS information. 
I file taxes in CA and just paid for 2019 quarterly taxes. 
How can I find out if my information was fraudulently altered? 
How can I be assured this account is closed? 
I have put a freeze on all my accounts with credit monitoring agencies.

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 2020-08-03 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: AmeriCollect
State: MO

Complaint narrative:
AmeriCollect XXXX : This was through XXXX XXXX Hospital in  Missouri and it was for my daughterXXXX She had double coverage at the time of this bill. Insurance was never billed and I tried to Call the hospital billing department to which I never received a call back. i do not owe this debt. This needs to be filed with the insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have XXXX restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.

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