vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.

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 2020-01-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: PA

Complaint narrative:
My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account Equifax and XXXX  will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: NV

Complaint narrative:
This isn't mine

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 2020-01-20 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:
On XX/XX/19 My credit was run twice, once through XXXX XXXX ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called XXXX XXXX and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.

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 2020-01-20 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: PA

Complaint narrative:
My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account XXXX  and Transunion will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.

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 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I made a mobile deposit of of my XXXX 401 ( k ) Required Minimum Distribution check ( {$22.00}, XXXX ) to my Bank of America checking account on XX/XX/2020. I received notification on my BOA app that the funds would be available on XX/XX/2020. I next received another notice that there was a " Deposit Hold and the amount ( {$22000.00} ) would be delayed and available on XX/XX/2020 at XXXX. '' I telephonically contacted BOA on XX/XX/XXXX and complained about the deposit hold. I was asked by the customer representative, " Why do you need the money? '' I responded that it was my money. She told me the hold on the funds was for my protection and that of the bank in the event the check didn't clear, etc. I informed her that the check was from XXXX and not some third party check and additionally all these transactions are conducted electronically and not by mail. After being on hold for about 15 - 20 minutes she advised she had good news and had been able to release the hold and I would receive the funds on XX/XX/XXXX. 
I'm making this complaint not to resolve my situation but to make you aware of a banking practice which I believe is certainly unethical and possibly illegal. The bank has an obvious financial interest in not releasing these funds for as long as possible. Since I'm a XXXX XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX, we had the expertise and experience to understand that this practice is not only unacceptable but possibly fraudulent. There's no telling how many unwitting customers are being deprived of their own funds because they may not have the aptitude or cognizance to complain to the bank.

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 2020-01-20 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: OH

Complaint narrative:
Experian for years has reported a foreclosure that I had from XXXX XXXX ( XXXX ). As of the credit report dated XX/XX/XXXX it showed the foreclosure from XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, Experian has this account listed twice. One as paying late under XXXX XXXX  ( true ) and another under XXXX showing the foreclosure ( true ). The account on Experian looks like two different negative reports. I have gone through the dispute process and have gotten nowhere.

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 2020-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do 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 non-monetary relief
Consumer complaint received 2020-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I completely removed freeze some time ago and then i go to get pre qualified for a mortgage and find out that a freeze is on my transunion credit report. I tried accessing online and after i put in all of my correct identifying information, their systems gives out error messages so i cant access my information from their website or over the phone. I cant lift the freeze they placed on my credit report because i dont have a pin number. They are holding my info hostage from me ( the actual person ) instead of the frauds in america.

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 2020-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do 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 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020, ,Went To The Bank About XXXX, ,I Know The Bank Was Closed, ,Due To Holiday, ,Anyway Went To Atm, ,To Get Cash, ,It Declined My Card Twice, ,Put In Access Code Twice, ,Card Still Declined, ,I Do Have Overdraft Protection On Card, ,I Do Have A Negative Balance Of {$100.00},,? If I Have Overdraft Protection On Card, ,Why Did My Card Declined Twice?? This Matter Needs To Be Addressed Or Fixed? This Is S UnAcceptable!!! This Matter Has Happened Too Many, ,What Is The Bank Doing About This Matter?? ( Wells Fargo Bank

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 2020-01-20 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY CREDIT.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prime Recovery LLC
State: AL

Complaint narrative:
I received a call from XXXX XXXX XXXX, Esquire General Counsel For Prime Recovery, LLC on XX/XX/2020 about a payday loan obtain online with XXXX XXXX. The amount owed at the time was {$300.00}. Now, the balance is {$1800.00}. The issue is, this company has refused to stop calling my job number and/or my cell number. I have told them a total of 7 times. I told them I needed information in writing and XXXX became very irate and disrespectful. I know their calls should be recorded but please check into this debt collector. XXXX refused to listen to me and has called my job not once, but four times within ten minutes. I received another call on XX/XX/2020 at my place of work again. I hate being talked to rudely and the caller felt the need to tell me that, " I can't pay my bills and you just wasting my time! '' So instead of sending me documents on paper, he emailed me some made up XXXX bill. I've never heard from this company in the past and never received a letter or anything pertaining to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I applied on XX/XX/2019 for a XXXX XXXX Visa card and I was denied via letter on XX/XX/201. Letter stated : Too few Bankcard accounts - I have 2 XXXX and XXXX XXXX XXXX Date of issuance of applicant 's ssn does not match date of ssn of peers. ( I have no idea what the heck this even means! ) Not enough Credit Experience - I have over 30 yrs credit. XXXX, XXXX, XXXX XXXX, and A XXXX Mastercard which they just switched from a XXXX Visa Too few revolving accounts - 1 have 4 XXXX, XXXX, XXXX, XXXX XXXX Your Credit Score : XXXX My credit score is XXXX! 

I have called Sagestream LLC XXXX XXXX different times one of which was again today! They do not return my calls. I have left messages that their credit reporting info in order to get the XXXX visa card is incorrect and they will not return my calls. 

I filled out another application on XX/XX/XXXX after I sent them an email telling them that what they reported to XXXX was incorrect and the 2nd app was also denied!. I called XXXX directly and they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX for years has reported a foreclosure that I had from Chase Mortgage ( JPMC ).  As of the credit report dated XX/XX/XXXX it showed the foreclosure from XX/XX/XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, XXXX has this account listed twice. One as paying late under Chase Mortgage XXXX true ) and another under JPMCM showing the foreclosure ( true ). The account on XXXX looks like two different negative reports. I have gone through the dispute process and have gotten nowhere. Basically Chase bank is re-reporting my foreclosure from XX/XX/XXXX in XX/XX/XXXX. XXXX tells me it's Chase doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have ultra ultimate rewards credit card issued by XXXX XXXX and during a purchase I was informed that my credit limit has been reached. I was confused because I had well over {$600.00} in available credit. When I called XXXX XXXXk customer service they informed me that they had decreased my credit limit but they had not in fact me of that until I called. They also said the reason for them decreasing my credit limit was because of information they receive from my the credit bureau. I asked them whyBut they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}. But they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Please help me with my mortgage company refusal to reduce my account by {$49000.00} due to late payments in XX/XX/XXXX. I was 91 days late due to financial difficulties and was never informed that my account had XXXX surplus all along during that time period. They refunded a check for {$9100.00} in XXXX, XXXX. I have contacted them and they refuse to understand that my account was never in default so they want to keep {$49000.00} which is a great sum of money. Please help me. My account has been current up to the present. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Back in XX/XX/XXXX Someone opened a cable account using my information, I contacted XXXX XXXX once the person had moved from my home and they turned the cable off but didn't pay the bill, on top of that they didn't tell me it was in my name. Well i disputed this back in XX/XX/XXXX and everything had been deleted off of my report and everything had been taken care of. and they had even apologized for allowing someone to open an account in my name. Well recently a company named credence resource mana contacted me saying they have a new account XXXX from XX/XX/XXXXand I explained to them the situation how it had been removed years ago and how could it just automatically come back. They told me it was my problem they didn't care how old it was, and that I would have to pay.

Company response to consumer: Closed with explanation