vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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 XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2020 I opened a debit card dispute with KeyBank for cancelled airline flights with XXXX XXXX. XXXX XXXX cancelled my flight on XX/XX/2020. They didn't send me noticed of the cancelled flights until XX/XX/2020. 

On XX/XX/2020 I spoke with XXXX XXXX about the canceled flights. They offered me credit vouchers or ( reluctantly ) a refund. I chose the refund and they told me that the refund could take " a very long time. '' At KeyBank 's request, on XX/XX/2020, I mailed in 29  pages of support for the canceled flights and the fact that XXXX XXXX had not issued the credit. In the support, I provided evidence of my complaint with the United States Department of Transportation, US regulation on customer rights for refunds, and support for the refunded flights. 

On XX/XX/2020 KeyBank still had not processed my mailed in support and removed my temporary credit for the {$4000.00} in dispute. At KeyBank 's request, I emailed the same support on the same day. 

On XX/XX/2020 KeyBank denied my dispute stating that XXXX XXXX had offered me a credit voucher and that was sufficient to evidence no error on behalf of the airline. After receiving the letter on XX/XX/2020 I made multiple attempts to contact XXXX, with the Executive Services team. On XX/XX/2020 I was able to speak with XXXX and ask that they reconsider the declination, given that I had no access to the credit voucher, and still had not received a refund from the airline. 

On XX/XX/2020 I received notice from the US Department of transportation that my complaint was valid, and in violation of consumer rights and that they would forward my complaint to XXXX XXXX. I advised XXXX, with KeyBank, of this fact. 

On XX/XX/2020 I received a response to a prior CFPB complaint that KeyBank was upholding their declination decision. 

On XX/XX/2020 I received an email from XXXX XXXX in response to my USDOT complaint. In the email, XXXX XXXX confirms that I do not have access to the credit voucher and claims that they refunded me for the canceled flights, which they have not. 

I'm asking for the CFPB 's assistance in forwarding my complaint to KeyBank, with included evidence from XXXX XXXX 's communication that they had refunded me. KeyBank should be able to see, from my account transaction history, that I have never received a refund from XXXX XXXX. I am asking that they reverse their declination decision, process the chargeback to XXXX XXXX, and issue a permanent credit to my account. Contrary to KeyBank 's declination response, XXXX XXXX has committed an error, and continues to withhold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 2020-07-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On several occasions, my wife and I have been contacted by representatives at Navient attempting to collect a debt for two other persons bearing our last name. We do not know the consumers Navient is attempting to contact, but the callers are attempting to reach them through us. There are no searchable records online that tie my phone number or that of my wife to any other XXXX, leading me to believe Navient and its personnel are using data broker tools such as TLO or CLEAR and making desperate links between me and the consumers with my last name. 

The most recent caller only identified himself by first name, XXXX. He further stated he was looking for the two people I noted above, believing I was a " possible '' relative. The transcript follows : " Good afternoon, this message is intended for XXXX XXXX. My name is XXXX. Today is the XXXX of XXXX. The reason I'm calling today, XXXX, I'm trying to reach XXXX and XXXX XXXX, possible relatives of yours. We're having some difficulty reaching each of them, hoping you might be able to help us out. Maybe there's another number we should be attempting to to reach them at that you could make us aware of. Maybe you have a way to get them a message or know of anyone who could. Once again, my name is XXXX, I'm calling from Navient, formerly Sallie Mae, trying to reach XXXX and XXXX XXXX. Any assistance or feedback you could provide would be greatly appreciated. XXXX. XXXX from Navient, trying to reach XXXX and XXXX XXXX. XXXX. Thank you. '' The employee XXXX, no last name, is in violation of the Fair Debt Collection Practices Act, 15 U.SXXXX Code 1692b, paragraphs ( 1 ) and ( 2 ), in that he : ( a ) furnished the name of his employer, Navient, without expressly being asked for it, and ( b ) stated the full names of two debtors in conjunction with the employer name which discloses that they owe a debt.

Further, taken together, this action also violates FDCPA, 15 U.S. Code 1692c ( b ), in that the debtors could not have granted permission to Navient to speak with me being that they do not know me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have called over 20 times to barclays phone number XXXX. 

I keep asking them to get me to the disputes team but they hang up on purpose. I have mailed all my dispute proofs to the barclay address at XXXX. XXXX XXXX XXXX, DE XXXX. 

They do not want to talk to me nor do they want to resolve my issue.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX is the worst mortgage lender I've dealt with. The website is dysfunctional ; after calling them on the XXXX last night, the automated information announces that there is a 2 hour wait. I was able to provide my phone # for a call back. That call never came. I again logged on today and tried to reset my password ; no email was transmitted from the company that would allow me to reset my password. This is so ridiculous. I do not recommend using XXXX or Loancare for your mortgage lender. With horrible customer service, they do not deserve our business.

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 2020-07-07 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 2020-07-07 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security 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 2020-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I applied for a home loan with Caliber Home Loans ( switching from a different lender ) because their loan officer advised that she would offer a lower interest rate and be able to close on the home within 20 days of application. 

At this time, prior to the lender switch, I advised the lender ( Caliber Home Loans ) I would have to pre-occupy the home prior to closing due to my lease ending and the assured me and my realtor closing in 20 days would not be an issue. 

The loan officer ( although provided all documentations same day as application ) was not able to close within the time frame provided prior to switching lenders. 

The loan officer XXXX XXXX ignored phone calls, emails, and text messages from myself, my realtor, and the seller 's agent. 

After 26 days passed, I reached out to the lender 's direct manager XXXX XXXX who promised to assist me and assured me closing on the house would not be a problem. With no update from him in three days, I reached out for additional information. I reached out and he then had his boss XXXX XXXX call me to let me know they would not be moving forward with my loan. At this time, I explained the entire situation with XXXX. 
1. I had a loan approved, still valid and ready to close with another lender that I was advised to cancel because Caliber Home Loans wanted to take over my loan. 
2. The promises made were not kept by any team member in this company. 
3. I paid moving fees along with a {$2500.00} deposit to move into the home prior to closing because I was promised we would be able to close on the home in 20 days. 
4. In addition to the deposit, I paid {$1000.00} for 20 days to live there and an additional {$600.00} for the day overs that we did not close. 

XXXX XXXX advised me to email him all expenses which I did and he would update me by end of day on XX/XX/2020 on how the funds would be paid out to me. 

On XX/XX/2020 My realtor reached out to XXXX by phone after he ignored multiple of my phone calls and he ignored her call. She then reached out on her personal phone and he answered. Once she introduced herself he disconnected the call. 

On XX/XX/2020 I had not heard from XXXX so I reached out to his boss XXXX XXXX. XXXX advised I send him an email and include XXXX XXXX and he would make sure that I received my response. 

It is now XX/XX/2020 and I still have not received any response to my calls, texts, or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Green Square Company LLC.
State: TX

Complaint narrative:
On the morning of Tuesday XXXX XXXX, I was contacted by a representative of GreenSquare. He gave his name as XXXX XXXX. I have never done business with this company. When I asked the representative to please send any information by mail, he began to verbally abuse me, calling me a XXXX  XXXX  XXXX. I reported the incident to the company, along with my request for written correspondence of any debt owed, as I am not familiar with this company or any business I have with them, and did not receive any response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: KY

Complaint narrative:
On XXXX I mail dispute letters to each bureau reporting Enhanced Recovery 's reporting of a XXXX collection for {$3600.00}, plus I mailed a debt validation letter to ERC so I can get factual information on this XXXX account. I had a XXXX account years ago, but I do not recognize this? 

ERC on verifies the bureau dispute letters with no explanation. ERC never responded to the debt validation letter from XXXX. 

I have read the Date of First Delinquency is suppose to be one exact date, not three separate ones. Isn't this used for the 7 year statute of limitations and the scoring model to adjust my 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 2020-07-07 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: FL

Complaint narrative:
XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my 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 2020-07-07 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:
There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

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 2020-07-07 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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-07 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: CA

Complaint narrative:
XXXX is reporting my accounts late when I am currently in XXXX. I was unable to reach them during the Covid crisis nor was I able to reach my school and now XXXX is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why XXXX is not held to better standards.

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 2020-07-07 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

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