vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as XXXX continue to report a bankruptcy in my previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as Experian continue to report a bankruptcy in my previous name.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern, I created an account to monitor my credit and was surprised to see that I was impacted with a 30 day late hit with the credit bureau XX/XX/2019 which has greatly impacted my FICO score ( s ). I have been a long time customer of Macys with perfect payment history. This blemish was due to a result of not receiving a billing statement in the mail. Once alerted, it was corrected immediately. I had no idea my credit was impacted. I value my credit and relationship with Macys and hope that during these uncertain times they will reverse the XX/XX/2019 30-day late hit with all credit bureaus to restore my credit profile.

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 2020-05-18 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: TX

Complaint narrative:
ftc vilations In its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019

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 2020-05-18 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:
ftc vilations In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019

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 2020-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: DC

Complaint narrative:
This is affiliated to complaint ID : XXXX In the letter received via the CFPB and XXXX XXXX, Escalated Complaint Specialist, it says my statement types were " The statement type was changed from None to Paper on XX/XX/2020, which would have started the paper statements on XX/XX/2020. However, because the system is down, it can not currently generate the paper statements. It is currently being fixed but we do not have an estimated time for its reinstatement. Attached is a copy of your payment history while being serviced by SST. '' I was told by SST that they could send me a statement via mail, but as they indicate their system is down ... so its been down for over 3 months now? 

They also failed to answer my question which was why can't we get access to our statements online? It seemed to me that SST doesn't have a mechanism in place to provide XXXX customers with a statement online through my account web portal. Whenever I click on statements, its always said since account inception, that my account doesn't have the ability to provision account statements online. This is why I called SST in XX/XX/2020 to tell them about this issue and ask why this was the case. This should be fixed as this is not normal market practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: OH

Complaint narrative:
I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX  XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: OH

Complaint narrative:
I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX,XXXX XXXX XXXX XXXX XXXX , OH  XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH 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 2020-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting a complaint because I was given inaccurate information to dispute a claim by Equifax in regards to an unauthorized inquiry by XXXX on my Equifax credit report. 

On XX/XX/XXXX, I submitted a dispute within Equifax to have a hard inquiry removed from my credit report. The hard inquiry was made on XX/XX/XXXX by XXXX without permissible purpose. 

I have contacted XXXX several times via phone and XXXX XXXX and was given varying information as to what I should do to have it removed. The last associate I spoke to said I must take it up with Equifax. 

I submitted a dispute on XX/XX/XXXX and then a few days later I received word my dispute was denied. I was informed by Equifax that I must speak with XXXX to have the hard inquiry removed. I knew phoning them and or dealing with an agent would get me nowhere, so I decided to write to them so they have written documentation of my request. 

I was given this address by Equifax : XXXX - XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, DE XXXX ( I attached below the letter from Equifax for your reference ) So, I sent a certified letter to XXXX on XX/XX/XXXX. I paid {$3.00} for the certified letter and waited over two weeks to find out the address for XXXX was " not deliverable as addressed ''. 

( I added a picture of the envelope and a copy of the letter to XXXX below for your reference as well ) I feel Equifax gave me inaccurate information and I am now being tossed back and forth between the two companies. I want a solution to my problem and I don't see how it is going to be resolved if one company is pushing me to the other and inaccurate information is keeping me from accomplishing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made an online hotel reservation in XXXX XXXX on XXXX XXXX for a non refundable hotel stay on XXXX XXXX XXXX using my capital one credit card. As the advisory started not to travel abroad due to covid-19 I tried reaching out to the hotel for my options. Since the hotel was not responding I put in a dispute with capital one credit card services. Capital one issued a credit on my account on XXXX XXXX. On XXXX XXXX I received a credit reversal from capital one on my statement stating the hotel provided them proof and if I did not agree with the decision I should provide supported documents. I faxed over 3 sets of proof. I sent capital one 1. An email from the hotel to me that they will provide a refund on XXXX XXXX. 
2. I provided a snap shot of the hotel website where it states they are closed do to covid-19 as of XXXX XXXX XXXX ( my dates of stay were XX/XX/XXXX, -XXXX   XXXX the hotel closed their doors ) 3.  A follow up e mail from the hotel on XXXX XXXX where they stated they changed their mind and will not provide an email. 
At that time capital one took all my information I provided them and agreed with me and credit my account for the hotel stay. Fast forward to today XXXX XXXX they removed my credit on my account And said the hotel provided me with a voucher and that was good enough for capital on credit card services and as far as reopening my dispute will not be possible. I never received a voucher, or or canceled my reservation with the hotel. The hotel canceled on my reservations and capital one does not protect or provided services to their clients which is me. I would like someone to please take a look, the way capital one handles disputes and why I the consumers have no rights and the hotel can do as they please and change the terms as they go along.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove account which never belong to me and was opened like a fraud. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was unable to open a checking account at a new bank today because they see I have a balance pending with US Bank. The amount is ~ {$300.00} and has been outstanding since 2015. I do not recognize this and firmly believe this is a mistake. I have called US Bank and spoke to their representatives yet no one is able to provide any explanation as to what this relates to. I have spent more than 2 hours speaking to their representatives and they just keep transferring me between departments. They are trying to charge me {$300.00} dollars without any explanation. 

Because of this record, I haven't been able to open a bank account and set up utilities in PR.

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 2020-05-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2020-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In order of occurance : 1. I used a Chase credit card ( XXXX ) to place a deposit on a hotel in XXXX one year ago. {$660.00}. 
2. In XXXX, I closed that credit card account. 
3. In XXXX, the hotel canceled our reservation due to Covid-19. The hotel said they would refund the {$660.00} to our credit card used to make the reservation ( even though it was closed. ) 4. Chase Bank has not refunded our {$660.00}. 
5. I have contacted Chase Bank several times, and they are unwilling to look up the account to find why the money has not been refunded. They offer only a fax number to submit inquiries and say I will receive a response in 30 days. They offer excuses about staff cutbacks, etc. 

This lack of service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My parents put me as an additional user on their chase Manhattan credit card using my name and date of birth only. No signature. I authorized them putting me as an additional user. However, Chase bank will not allow me to remove myself as a user. This card is being reported to my credit agencies and makes me responsible for the debt. I do not wish to remain as an additional user. But, Chase will not remove me without their consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: Penn Credit Corporation
State: PA

Complaint narrative:
There is an open balance on my account from XXXX XXXX  In the amount of XXXX. This action was opened on XX/XX/2017. I have tried to set up payment arrangements at the time of original collection and it wasnt able to be done. My financial situation at the time would not allow a debt of this magnitude to be paid. The company has since sent the debt to a creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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:
Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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:
Remove account which never belong to me and was opened like a fraud. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
BMWF has been calling repeatedly despite a payment arrangement or intentions thereof made with a rep on or around XX/XX/XXXX, I believe. The rep spoke with may or may not have noted my intentions/promise to pay which includes a payment in the amount of {$1000.00} via bill pay with my bank, XXXX. In addition to this, a recurring payment is set to come out also on the XXXX of every month. The account is past due for the month of XXXX, payment in XX/XX/XXXX will cover it and recurring payment on same date will cover XXXX as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
On XX/XX/2020, my partner and I applied for a rate and term refinance on our owner occupied home with loandepot. As of today XX/XX/2020 ( 67 days later ) we have not received an approved or denied status of our application despite numerous requests. Here is a timeline : XX/XX/XXXX - Applied. 
XX/XX/XXXX - Charged {$490.00} for a home appraisal that has not taken place - I would like this refunded to my credit card immediately. 
XX/XX/XXXX - Charged {$20.00} for I don't know what, I assume a credit check? 
XX/XX/XXXX - In writing, loan depot attempted to cancel the loan citing that I did not wish to proceed with the loan. This is absolutely not correct and I clearly stated that verbally and in writing that day. At no time ever have I indicated not wanting to proceed with this loan. 
XXXX XXXX XXXX - Have asked for a status update ~8 times ( 5X verbally, 3X in writing ). Only one time was I given an answer which was that loan documents would be out no later than XX/XX/20, three days ago. 
XX/XX/XXXX - Submitting this cfpb complaint and disputing the {$490.00} charge with my credit card company. 
I would prefer all communication in writing going forward.

Company response to consumer: Closed with monetary relief