vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not 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 explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion was asked to verify the closed account on the consumer report. Transunion has violated 15 usc 1692g for validation of debts as they have not informed the consumer of who the debt belongs to. They have only sent communication stating that they have verified the information. They have not sent a signed contract to the consumer that would Validate the debt. 
Transunion is in violation of 15 usc 1681b ( 2 ) as they do not have my written consent to furnish these " Closed Account ''. 
Transunion has run me in circle for a year about these debts that I do Not Own.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
unauthorized inquiries on Equifax from the following companies : XXXX XXXX On XX/XX/XXXX XXXX  plus on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I've spoken to the companies and to the credit bureau multiple times to no avail. Please the inquiries are unauthorized and do NOT belong and should be deleted immediately. They have repeatedly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: VA

Complaint narrative:
I reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
I had my purse stolen which had all my information in it and can't do anything about it. But now I have all this debt thanks to this horrible thing accruing and I don't know what else I can do to get this false collection debt off my credit score. It's really ruining my life.

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 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I logged into my upgrade account to make a change to my bank account for my ACH payment. I was closing out another account and needed to switch it. I received a confirmation email from the company that my ACH had been cancelled and a new one was set up. However, the payment was still taken out of my old bank account and the new one on XX/XX/XXXX so I was charged twice for a payment even though I had confirmation my original ACH had been cancelled. I called in to report the dispute to Upgrade on XX/XX/XXXX. They took the information over the phone and the rep even said I can see where the payment was taken out twice. She told me it would be 7-10 business days to get my money back. After hearing nothing back I called them today and was informed my dispute had been denied on XX/XX/XXXX - the same day I called in. I was never notified of the denial. I have now incurred overdraft charges on my bank account I am trying to close as well. They told me I was denied because one payment was an ACH and the other came in as a one time payment. I never made a one time payment. I simply went in and updated my Bank Account information for the ACH. I never requested a separate one time pay - I just wanted the payment to come out of my new Bank account. I am providing two confirmation emails I received. One showing autopay was disabled / this was for my old bank account. The other is for enabling autopay on my new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
They say I am over my credit limit by {$240.00} but my balance is {$700.00} under my credit limit. I called customer service to enquire why this is and the first rep said she would look into it and then put me on hold for 14 minutes before disconnecting me. I called back and spoke to a XXXX who put me through to a supervisor. I explained to him I was on hold and then disconnected and he apologized and offered to look into my problem. He then put me on hold for 33 minutes before disconnecting me. Finally on the third call a supervisor was able to tell me in 30 seconds there was a hold on my card for a reservation I made. This should not have taken me an hour to find out.

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 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My brother & I opened a chase checking and savings account this year. We tried using XXXX 3x and our acct was locked. Each time we went to the branch to unlock it ( the 3rd time we spoke to the branch mgr Mr XXXX ) and he assured me it was fixed but that the retail banking function is mged by the back office, not him. After this, we couldn't take money out of the ATM. When I deposited a check from chase to another bank, a charge was made of {$25.00} w no explanation. I called the XXXX number XX/XX/21 and spoke to 2 supervisors. They claimed they couldn't hear me, said they would transfer me to account services which manages my acct and then I was disconnected. I am currently able to see the acct on line but can not do any transactions like atm, transfers, XXXX. The branch I went to is in XXXX  on XXXX XXXX. After I was disconnected the 1st time I called the account services number I was given XXXX and was disconnected again. I believe that someone in the bank has taken illegal control of this acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I applied online for credit through GM Financial and authorized them to run my credit. I received an email stating I was approved for credit and that the dealer of my choice would receive the information so I could go shopping for my vehicle. On XX/XX/2020 I reached out to XXXX XXXX of XXXX XXXX XXXX XXXX by phone and told him I had already been approved by GM Financial. He told me he would have his credit manager locate my file with GM Financial but would also need me to fill out an application. I told him I already filled out an application with GM Financial who had already run my credit. He told me it was just a formality and that his store would not run my credit. XXXX XXXX of XXXX XXXX XXXX XXXX did run my credit. He also submitted to GM Financial who ran my credit 2 more times. After all that I was told that GM Financial made and error and I was not approved. I told him I had alerted by XXXX  about inquiries and he told my credit should not have been run but there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NM

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for a Discover Card. In the application I aske for a balance transfer of {$7000.00}. I was approved for the card and given a {$2000.00} credit limit. There was no mention of the transfer balance. 

On XX/XX/XXXX, I noticed a {$1900.00} payment on my XXXX XXXX credit card. This was the account that I had requested the {$7000.00} balance transfer. I never requested a partial balance transfer and that option was never mentioned. I called Discover and they confirmed that the partial balance transfer was made and there was nothing they could do because the payment had already posted. The suggested that I call XXXX XXXX and ask for a refund and then pay the balance on the Discover Card account. 

I never asked for a partial balance transfer and I have not activated the card! I am going to call XXXX XXXX and request the refund, however, I am not very hopeful that they will accommodate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ 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 2021-07-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX SERVE National Bank on XX/XX/21 at XXXX, Monies were fraudulently taken from my account at an ATM Location in XXXX. a total which was in excess of {$700.00}. The alert was sent out to the app. Immediately I notified AMEX FRAUD Division. All submitted documents will explain the timeline. on the first application, I had included all the fees charged. The first time I was denied, I was told to not include service fees for they were already returned to me. To resubmit the application minus their fees which I did. the second application resulted in denial again and to send a letter to their fraud department in Georgia. Which was on the third last attempt due to COVID. I am a XXXX  in the frontline I was distracted. but contacted Serve fraud and they asked that I resubmit ... which with understandably so with delay was submitted. I never got a formal answer from the fraud department which was necessary for me to include the local law enforcement at the XXXX XXXX  in this recovery. Whether it's unwilling or duplicity on their part. That is the question. submitted are the necessary documents that were requested. The last delay was due to COVID Thank you for a hopefully positive resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
My correct Name is XXXX XXXX XXXX These names below are incorrect : VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX 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 2021-07-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My correct Name is XXXX XXXX XXXX These names below are incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have two merchant return gift cards from Macy 's department store, which I obtained in XXXX. The items I returned were two XXXX each of them costs {$120.00} including tax. Please see attached. 

I have not used one of them ( ending XXXX, GC # XXXX hereafter ), and I used only a few dollars on the second one ( ending XXXX, GC # 2 hereafter ). Please see attached. 

I tried to redeem these two cards online about two weeks ago and found that GC # 1 have {$0.00} balance while GC # 2 had a correct balance of {$120.00} ( original card value {$120.00} ). 

I contacted the customer support and gift card department numerous times ( which was not pleasant to put it very very mildly ), and finally got the GC # 1 issue solved and received incorrect amount of replacement card which I had to correct ( see attached copy of email communication ). Replacement cards ( total amount of {$120.00}, {$120.00} ( why? ) + {$3.00} ) were arrived on XX/XX/XXXX. 

I thought I am good to go to redeem GC # 1 ( replacement of which ) and GC # 2. Now GC # 2 shows {$0.00} balance. I called customer support and explained the situation. I was told that I used on XX/XX/XXXX???? Something got mixed up. The representatives that I talked on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were oblivious. At the same time bored and rude. 

I want my money back on GC # 2 ( {$120.00} ). I tried to redeem these on items on sale XX/XX/XXXX and they are not available anymore. I request a compensation for tremendous waste of time and energy and loss of opportunities. 

I could not find any good contact information to report these issues. I hope this problem transferred to someone in charge of Macy 's gift card operation and customer support.

Questions : - Why GC # 1 was it inactivated? 
- How did they got XXXX dollar information ( see attached email communication ) where did this wrong info mixed up with mine? 
- Are they training associates at all? 

Or at least I thought.

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 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
We experienced 3 unauthorized withdrawels from our TD Bank checking account. On XX/XX/21 {$10000.00} and an additional {$1000.00} was transferred to XXXX XXXX XXXX On XX/XX/21 {$10000.00} was transferred to XXXX XXXX XXXX XXXX XXXX. The total unauthorized withdrawel was {$21000.00}. 
We do not utilized either of these online services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I sent an written letter to Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft under 15 U.S. Code 1681B ( a ) & ( 2 ). As of XX/XX/XXXX I have not gotten a response back from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: GA

Complaint narrative:
Fraud Alert added to report. Suspicious inquiries reported to credit report ( Transunion ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.

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 2021-07-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX of Inquiry : XXXX XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Date of Inquiry : XXXX XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Date of Inquiry : XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX/XXXX/XXXX  # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) 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 non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My loan has been sold and transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Company. I received a notice on XX/XX/XXXX from XXXX that my mortgage has been sold and that all payments should go to Freedom Mortgage Company as of XX/XX/XXXX. Despite multiple calls to Freedom, they have not set up my account, and as of today told me that my account is still not set up and I have no way to make payment. I am very concerned, as due to Freedom Mortgage Company and XXXX XXXX  XXXX 's own incompetence at handling my account sale and transfer, I am at risk of becoming late on my payments and facing penalties or worse. 

It is a unbelievable and wrong that I am trying to pay Freedom Mortgage Company however they are unwilling or unable to accept my payment to keep my account in good standing. I suspect they are trying to not allow me to pay in order to get late payments or illegally foreclose on my home.

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