vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: WA

Complaint narrative:
I have sent a few letters to Credit Bureau in order to dispute fraud accounts that I detected accidently by checking my credit report. I submitted dispute letter to XXXX and after my dispute XXXX blocked my report and now I CAN NOT even see my report, besides XXXX didn't even response to my dispute. Transunion not even did investigation, eve thou i mailed my letters via certify mail. 
Here is accounts that should be deleted from my report immediately : 1. This is a duplicate account US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity US DEPT ED Account Number : XXXX Please remove this account from my credit report immediately! 

3. Mistaken Identity DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This is a duplicate account DEPTEDXXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-08-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at Citibank. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called Citibank and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from Citibank in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with Citibank and I never made transactions at Citibank where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of Citibank and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the Citibank " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to Citibank 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. Citibank did not protect me or my funds. For Citibank to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to Citibank 's negative reporting to the credit agencies. I want my name cleared and charges brought against Citibank for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.

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 2021-08-04 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I requested one loan from Suntrust DBA LightStream and had my credit checked twice for the same loan. Once on XX/XX/20 and once on XX/XX/20. I requested this error be rectified by the company and they failed to do so. I contacted XXXX XXXX and they requested I submit documentation along with my dispute, which I was to obtain from the FTC. I called the number they provided for the FTC and am being sent in circles.

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 2021-08-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My credit card was charged with fraudulent XXXX calls totaling {$23000.00}. I complained to Chase Sapphire and they reversed initial charges and issued me a new card. The following month they reversed the credits as well as added new fraudulent XXXX  charges. In summary Chase posted a total of {$23000.00} fraudulent charges with credits of {$11000.00} and a remaining balance of {$11000.00} still on my credit card. 
I have been talking with Chase bank for three months and they have done nothing to assist. They suggested I contact XXXX and ask for specific charge information which I have done. I received an email from XXXX telling me they could not provide requested information and that my ticket was now closed. 
Final correspondence from Chase Bank was that these charges were mine unless i could prove they were not. I simply do not know how I can prove something I never did. 
As a result of this Chase Sapphire dispute, Chase Bank reduced the credit line on an my other card, a Chase XXXX  XXXX, due to the disputed balance on my Sapphire Card. My Chase XXXX  XXXX card has always been paid as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
The co-owner of my home was laid off on XX/XX/21. I contacted the mortgage company on XX/XX/21 to request an interest rate reduction ( loan modification ) so that I could make the payments solely on my income. My current rate is 7.25 % and that amounts to over {$1600.00} added on to the principal payment. I continually followed up with the lender via phone calls and emails and had two conference calls with " relationship managers ''. They claimed they did not receive all of the needed documents. I submitted the entire package twice. Today I was told that my request for modification was closed because a document is missing - there are no documents missing and I verified this on XX/XX/21 with the lender. No one even informed me that my request had been closed! 
They are intentionally and successfully stalling my request for assistance. I am going to send the entire modification package to them again tomorrow, for the third time. They tell me it will take another 30 days to review it. They should know my name and my circumstance by heart at this point. I am being honest and reaching out to the lender before my mortgage goes into arrears, and I am being ignored. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are Navy Federal, XXXX XXXX, XXXX XXXX, XXXX, and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I receive continual notices regarding both loans I have with this company. In short, the notices claim the company has not received my insurance information. They have been provided with this information many times ; however, it takes about an hour to reach a person to speak with and even then, they will not discuss the problem over the phone. All of my insurance is current. During my discussions with a representative, it appears their system was recently changed, and they are having trouble keeping track of records on their end. Regardless, I feel I am being harassed/threatened by this company because either their system is flawed or they are unwilling to do their due diligence to ensure their system is correct.

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 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached highlighted pictures of accounts on my credit report that are reporting incorrectly, per the FCRA they have to report correct information or be deleted.

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 2021-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached highlighted pictures of accounts on my credit report that are reporting incorrectly, per the FCRA they have to report correct information or be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. There are so many things in this account that are wrong and I'm sick on having it on my credit. I called years ago and they told me it was for internet or something out in XXXX. I have no idea where XXXX is, I have never lived there. This account is surely not mine and I told them that in our conversation but they insist in putting fraudulent accounts on peoples account. Not only that, this account would be past the statute which is irrelevant because it is not mine. This needs to be removed immediatley. Remove false debts on credit can be considered fraud under both federal and state laws and I will not hesitate to bring legal action against Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MIDFIRST BANK
State: CA

Complaint narrative:
The account was open with identity theft info, the person using my info open this account. This is a fraud account, I contact the mortgage company and send them everything they asked me to prove that Im not the same person that open the account. But last time I call they said that they didnt found anything with my name or social but the account still is in my credit. Im m tired and stressed too much doing for not getting anything solved.

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 2021-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.

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 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Company in question MoneyGram Money Transfer service. 
On XX/XX/2021, I requested a money transfer service from my bank account to my receivers bank account, at the time of the transaction I was told by Money Gram it would take 1 to 2 business days. Its been now 2 weeks since I did the transaction and the money has not been transferred, however, they withdrew the money from my bank account. They have been telling me they have a technical issue with the ref. # ( XXXX ) and that they would resolve in 24 hrs. But here I am calling then every day after 2 weeks, and they are retaining my money. And the person I was sending the money to, had never received the money. Customer service is no help, they dont explain what the problem is exactly and they say they cant cancel the transaction and give me my money back. So, I am without my money, and the receiver is also with no money. Money Gram kept the money without a valid reason, besides they dont provide me the real explanation why they have not done what they promised to do. At this time I need Money Gram to refund my bank account for {$200.00} ( transaccin amount ) and then I really need to send the money to my sister by other means. Thank you for hearing my case. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
My wife has been very ill after getting the covid vaccine. We fell behind in mortgage and trying to catch up. We filed for help in loan modification back in XXXX we are still waiting to get any kind of help. Or clear response on what kind of modification we can have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited {$4500.00} in a Wells Fargo online bank account on XX/XX/XXXX. The bank indicated the funds would be available on XX/XX/XXXX. The funds were available on XX/XX/XXXX. I made one bill payment of about {$150.00} on XX/XX/XXXX. OnXX/XX/XXXX, I received a message stating my funds were on hold due to repeated overdrafts in the last 6 months. I have not had a Wells Fargo account for over 8 years and even so did not have repeated overdrafts. I called WF to resolve, but after almost an hour, I was told there was nothing I could do. I would have to wait 7 days before the funds would be released. Under privacy rules, WF should have accurate data, and if not, I should be able to know the source of the data and any incorrect data being corrected. The rep at WF told me she did not know where the information about repeated overdrafts came from.

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