vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'll sue for the following if not removed. 


1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-02-04 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Credit Adjustments Inc
State: TN

Complaint narrative:
At the end of XX/XX/XXXX, I paid my student loan debt with Credit Adjustments Inc ( a debt collector acting on behalf of US Dept of Education ). When I paid the debt, I was informed by the collection agency that I was being offered a " compromise '', which is essentially settling the debt for a smaller amount than actually owed. According to the collection agency, I was informed that any previously reported negative information on my credit report pertaining to this account would be deleted. This has not happened. I still show a total of 48 derogatory remarks on my credit report for US Dept of Education. 

In addition, the balance on my credit report is being falsely reported. The US Dept of Education updated my balance on my credit reports to show a balance of {$0.00} on XX/XX/XXXX. However, as of XX/XX/XXXX, they re-updated the credit report, which now shows a balance of {$1700.00}. The account was settled in full for {$1600.00}, therefore, it should show a {$0.00} balance. I have attached a copy of the letter that was sent to me from US Dept of Education stating that my balance is settled-in-full. Therefore, I am requesting this be changed immediately to reflect a {$0.00} balance. I have sent numerous letters to the US Dept of Education, as well as disputed directly with all three credit bureaus. This situation is still un-resolved.

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 2020-02-04 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 was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

CITY OF XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX L XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Opened on line cd account on XX/XX/2020 around XXXX with Marcus bank of Goldman Sachs on line and called back at XXXX XXXX and XXXX XXXX to make a stop on transferring funds of $ large amount from my bank. 

I called the number provided by the website and that turned out to be a call center. 
I asked if I should make a stop order with my bank but the call center personal told me that they can do this fro their end and that I need not have to take any action by me talking to my bank. She asked me to check in couple of days.At this time funds were still pending in my account on XXXX of XXXX. So I was thinking they got my request and stopped opening my cd account. To my surprise the funds went to Marcus bank upon checking my account on line. Again I called on XXXX at XXXX pm, to same number provided by Marcus and of course found different personal to answer my phone and told me it might get two to three days to get approval to return my funds without penalty.. 
They would not call me or send email on their action and I need to call them back and check. 

I called back on Tuesday XXXX morning at XXXX XXXX  since no funds were deposited back back to my were they were originated. I was still given the prototype answers and refused that I can talk to their supervisor on duty. Since the call was answered by call center, I requested if they can connect me to the bank directly or can put me in touch with the bank manager/officer. My request was not honored and told me to check back now after two to five business days. I called back again on Friday XXXX XXXX and was told still being investigated by a special department and might take another 2 to 5 business days. Now I was worried since my daughter just had a baby and was in need of financial help. 

I called back today morning on XX/XX/XXXX to check and was told the penalty would be simple interest for 270 days. Please note that I called to cancel my account before getting funds from me and now they are trying to rob me with that penalty. 

I strongly demand that my funds of XXXX is immediately returned to my account and stop kiting with my funds that was stopped within an hour of request of opening account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have received 58 calls in less than a week for a bill thats not even in collections or over 60 days late. I feel its insane to harass me in such a way. I told them I get paid this Friday and the calls continue from several different # s and unknown callers but its all comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ONXX/XX/2015. 
CHARGED OFF IN XXXX OF 2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY EQUIFAX AND XXXX  HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried to get my Equifax report at least 5 times by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them 3x and to be told their systems are down or they unlock my account but have to wait 24 hrs to have access. I also been hang up. 
Dates : XX/XX/20. 3 times called to get help logging, reset password. No help. Unlocked account told to create a new password with agent on the line but unable to get in. In background you could hear cheering and I asked what was going ... representative said someone sold something. I thought I was speaking to Equifax credit report agent then he told me to wait half an hour to try to log in. He then said the system is down. I called two hours later with the same issues and the agent hang up on me. 

XX/XX/20 : I tried to get my Equifax report again by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them again and some to an agent for 30 hour. She stated their system is down and could not help me with log in. I told her that I wanted to dispute some items. She took my personal information and confirmed my identity. She then took down what I was disputing then put me hold. I was with her on the phone for over 30 minutes to only get hung up again. 

Please help me resolved this issued. My information has been compromised by Equifax and I need to make sure to correct the errors. I have done research and I am not the only person having this issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX after reviewing my credit report, I noticed there were items in a " charged off '' status years ago however still showing I was missing payments monthly which appeared on my credit report in two ways : 1. Late payments from an account closed in charge off status from XX/XX/XXXXand, 2. That same account 's balance, though reported as a charge off, was being combined with my total amount of available credit and in a late payment status. 

I contacted the company who was hired to collect the debt, Portfolio Recovery Associates of XXXX, VA. I spoke with a collection specialist and he said their company could accept a settlement payment from me despite this debt with XXXX XXXX being charged off in XX/XX/XXXX. I told him I was concerned it was still showing up and showing up as late monthly payments still accumulating interest. He agreed to accept {$830.00} and I wrote them a check and mailed it on XX/XX/XXXX. 

I appealed this item with XXXX  and they refused to review the request to address this discrepancy in XXXX. 

Today, in XX/XX/XXXX, this item is still on my credit report as a " late payment '' and they have never shown that this item was addressed as a settlement. 

Portfolio Recovery cashed my check on XX/XX/XXXX however never contacted the credit reporting bureaus to update this account. 

I've filed a second discrepency request with XXXX  who has a copy of my check to Portfolio recovery, the actual photo of the check from my bank showing when Portfolio Recovery cashed this, and screen shots of how this item is showing up on my credit report as late monthly payments for a debt that is close to {$2900.00}. 

I have contacted the Colorado Attorney General 's Division that handles collection companies to request they assist however, the AG 's office suggested I also file a complaint with your agency.

This item has continued to keep my credit score from increasing, has factored into me being denied housing, increased costs of auto insurance, and taken hours to try and address now, for close to one year with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Property address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original loan XX/XX/XXXX {$650000.00} with Hudson City Savings Bank at a fixed rate of 5.375 % for 30 years Sometime in XX/XX/XXXXHudson City Savings Bank was merged with M & T Bank. During the entire loan time we made mortgage payment on time every month. During the next few years M & T Bank indicated that some months we were short on payment and we sent in additional payment to cover without asking why. In XX/XX/XXXXwe changed insurance providers for the coverage of the house and the bank and insurance company didnt communicate and we got charged additional fees {$500.00} per month for several months. Once we provided proof of insurance without any gap in the policy they only gave us partial credit for the insurance and still demand us to pay the balance for the insurance. The insurance for the home is paid directly by us. In XX/XX/XXXX we received a invoice indicating that we owed {$19000.00} M & T bank. This was a complete shock to us and we started to see look into what is going on. Well the first thing we see is that the bank changed the rate from 5.375 % to 6.375 %. We immediately contacted the bank and all we got is run around between transferring us from one person to another person. We gave up and went to local branch to see a someone in the branch to help us. We got similar run around indicating we need to schedule an appointment with an agent to see if they can help us. 

Hudson City Savings Bank XXXX Account XXXX XXXX M & T loan account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX {$3500.00}

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 2020-02-04 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 was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX {$3500.00}

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 non-monetary relief
Consumer complaint received 2020-02-04 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 was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Pentagon Federal Credit Union Mortgage has added an {$11000.00} Prepayment penalty to my loan that I am now attempting to refinance. There charge goes against the original contract which stated no prepayment penalty.

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 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day threatening jail and law suit, a couple of times a day since the date listed on the notification letter, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have repeatedly sought assistance from the Company. I have money that is in my account after deleting the app restoring several times on two different devices. I finally get in to the Support team to share what has been happening my account has money in another account. The support team deletes my account/accounts two of them which I never was aware of always had one account. I informed them I have been asked for driver license, phone number, to create an new account which i did not need one ; just trying to get into the one currently have with company. They ask : It's best to provide any email addresses, phone numbers, $ Cashtags, or zip codes that may have been linked to a Cash App account in the past. I'm unable to assist with the account unless I have the accurate information.

I provide first time hashtag information, bank card, bank account 4 digits, then they said email does not match account. Then give hashtag and government name, account number and card. They find my information delete account on my app for me to put new card in bank account information but then no cash in my account. I respond did what was asked to say '' oh apologies '' you have a third account unable to merge accounts until you submit the correct information. Informed them after repeated conversations I do not have third account wanted to speak with a Manager with no availability another team support persons stated need this information as I stated is this a scam because how can I have another account when i was assured what I submitted was all that was needed until it was time to release my money that is floating around. Providing snapshots of transactions, gave detailed response of all required information. SMS text stating when attempting retrieveal of cash that it was allegedly claimed by who? Account shows no $ hashtag with my name just a name shows my contact number my account always had my picture

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I want to access my account online. They stated WITHOUT QUALIFICATION that they will NOT allow me to do so without providing them my mobile number. I escalated the matter and was told the same thing. 

I offered to provide my email address, which they have, as an alternative. THEY REPLIED THAT ONLY A MOBILE NUMBER WILL SUFFICE. 

How do these companies get away with this? It is mind-boggling that they do this, much less BE ALLOWED to do so. 

I dont have to tell you that they had the biggest data breach in the history of time not to long ago, not to mention that our cell phones are becoming the most important device in our possession, aceess to which CapitalOne and EVERYONE ELSE wants to use in solicitations, and/or worse, to provide to someone else ( sell ) in an affinity or subsidiary arrangement. 

This is strong-arming at its worst.

Company response to consumer: Closed with explanation