vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with Citibank on XX/XX/2020 and had not used my account. I was going to use it as a savings account. while I was waiting on some funds to be processed at another bank I decided it was taking too long so on XX/XX/2020 I made an ACH deposit of {$60000.00} and I made sure that Citibank was well aware of the deposit in advance. I had asked questions along the way and made sure I was told the spending limits and learned the usages of my card. I was told that I would be upgraded to Citi Priority banking and that never happened. I had sent some XXXX payments to my son and that was the longevity of my account at Citibank. I also did have one additional deposit for {$1300.00} as well. 

Now at some point any and all transactions were declined and my account was blocked. However someone was using my funds in my account. A total of {$6500.00} is what I sent to my son in several payments over several days because my ability to send a wire was and is still blocked. 

I have not been able to manage my account and I have not been able to dispute any and all fraudulent charges on my account and I am told my account is being closed and that I will know more in 30 to 60 days which is insane. I explained to them that I have a bad problem with XXXX and that I need my XXXX  or I can die from a XXXX XXXX or many other issues due to not having it. I can't afford to buy it without my money I have no money because it is all in the account at Citibank. I also had previously before running out of my XXXX  explained that I had already put down a {$24000.00} deposit as the first portion of a down payment of a home that I am trying to obtain and that the other {$24000.00} was due on XX/XX/XXXX and that I would loose my {$24000.00} deposit as the first portion of the down payment because it was non refundable and I think they have already moved on and are in another deal now! 

Citibank didn't care and didn't do anything to help. lastly my father died during all of this and my birthday was last week. I didn't even have food or gas in my car on my birthday because of what they're doing to me. I need help and they need to reimburse me for all the money I have lost and all the money that I have had to borrow to survive during this time. I was moving into the new house and now I am bouncing around to hotel and to places I don't want to be I want to move into my house. I also successfully fully verified my identity every time I was asked to. Someone please help this is just a quick version of a very terrible situation

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 2020-07-16 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've had credit cards with Chase at least since XX/XX/XXXX ( 3 yrs, 7 mos ). However, unexpectedly and without explanation Chase closed both of my credit cards earlier this month ; XX/XX/XXXX. I called and received no explanation. I visited the branch today and received no explanation. Just that a letter had been mailed weeks ago. Nothing has been received and no reason has been given. I have never been late or over the limit on these credit cards. I used at least on of those on a monthly basis. This is poor service and bad reflection of a company as big and important as Chase. It affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Modern Adjustment Bureau
State: NV

Complaint narrative:
Collection to Modern Adjustment bureau ( XXXX XXXX XXXX ) was settled in court with no monetary damages owed by XXXX Superior Court. I have document to show and prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have disputed with the credit burueas and I have wrote the company but no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 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: NC

Complaint narrative:
I am a victim of identity theft

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 2020-07-16 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: NC

Complaint narrative:
XXXX XXXX is showing on my EQUIFAX CREDIT REPORT but it is not my account, I am a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have contacted the credit burueas and the creditor and no reponses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pangea Universal Holdings, Inc.
State: CA

Complaint narrative:
I tried sending money through Pangea Money Transfer for {$290.00} + the fees. Its been over 4 days and my transfer has not received in XXXX. I have been calling repeatedly to Pangea and they havent been doing anything to get my money transferred to XXXX. I have requested call back from a manager couple of times and no one is calling back. I have exhausted all the resources to get my money back. Transfer ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service
State: NV

Complaint narrative:
The account is being handled by Clark County Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, XXXX. The issue is not with the collection agency who have been nothing but professional to this point but with their client. 

The debt is a medical bill which was submitted to collections XX/XX/2020 from XXXX XXXX. The debt was a patient responsibility in the amount of {$210.00}. 

Prior to submitting the debt to the collection agency the creditor illegally inflated the debt by {$110.00} which was intended to cover the contingency fee Clark County Collection will charge upon successful recovery of the debt ( contingency fee of approximately 53 % of recovery ). This fee is a cost that the original creditor must absorb and charging it is in violation of Nevada and Federal collection laws. 

There is no signed agreement between me and XXXX XXXX   which allows for cost of collection and even if there were it would only allow for legal fees if the account is litigated under state and federal law. As such the creditor has illegally inflated a debt for the purpose of offsetting the cost of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have a XXXX, XXXX XXXX XXXX, and I have used PayPal to process my credit sales transactions for over seven years. On XX/XX/2020, I noticed fraudulent activity on my account. I took immediate action to report it to PayPal in their system using email and messaging because they do not provide a telephone number to speak with a person. 
I have asked them to freeze my account and investigate these fraudulent transactions which appear to be money laundering. I have not received any feedback nor assurances that the company even recognizes the fraud. I have not closed the account because I want this to be resolved so they do not start a collection activity and ruin my excellent credit. 

The company has my account listed that I owe {$4500.00} as of XX/XX/2020. 

I can provide a PDF file of the fraudulent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed for bankruptcy on XX/XX/18, I was told not to pay Wells Fargo auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with Wells Fargo. I never received any documentation or information from Wells Fargo bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called Wells Fargo to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received

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 2020-07-16 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: CA

Complaint narrative:
I used my Chase IHG credit card on a recent trip to for two hotels to use as secure deposit. A few days after the trip, I noticed a charge of {$240.00} appeared on my card from an unrecognized merchant " XXXX XXXX XXXX XXXX XXXX ''. At first I thought it might be a DBA name of one of the hotels. So I called both hotels and they confirmed that charges from them would not appear as that name. 

I then contacted Chase to report the charge as an unauthorized charge, the charge was removed from my account, and I was issued a new card. However, about two weeks afterward, I received a call from Chase fraud department. The agent asked me a few questions ( why do you think this is an unauthorized charge ... etc ), and I explained the details again. He told me that they will continue to investigate, and that the charge will be rebilled on my account, but I won't have to pay it while they investigate. 

I received a letter from Chase fraud department a few days later. The letter states that because the charge is a " merchant dispute '', I'm responsible for the charge. 

I have tried to contact the fraud department to understand why is this a merchant dispute ( since I have no relation with any merchant called " XXXX XXXX XXXX XXXX XXXX '' ) using the phone number listed on the letter, as well as an email address provided by a Chase agent. However, I have yet received a response from Chase fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For several months I have submitted dispute request via certified mail to Transunion along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as outlined In section 611 ( c ) of the FCRA the credit furnisher had 15 days to comply with providing step by step procedural of the name and title is persons verifying this false information to be true. I have grown increasingly tired of the scripted emails and stall tactics from Transunion!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed for bankruptcy on XX/XX/18, I was told not to pay XXXX XXXX auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with XXXX XXXX. I never received any documentation or information from XXXX XXXX bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called XXXX XXXX to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received

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