vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian about negative inquires on my credit report and customer service was not able to help or take care of this. I have been a victim of their inquire issue. 

XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CA

Complaint narrative:
I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.

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 2020-11-09 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: Smith, Cohen & Rosenberg LLC
State: NC

Complaint narrative:
As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on XXXX that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my XXXX cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2020 I went to check my transactions for the last 3 months and seen XXXX was debited from my account on XX/XX/2020. The name of the store was listed as XXXX XXXX XXXX. I immediately notified Chase Bank and informed them of the transaction that was not done by me, or authorized to do so by anyone else. I was told my funds would be in the account within 12 to 24 hours a new car would be issued the old card needed to be cancelled. I explained that I was out of town and needed to not cancel my card until I was back home and would cancel the card the following Monday upon returning. Cancelled the card on Monday did a follow up on the XXXX of XXXX, no funds were placed into my account by Chase, I called back two more times to Chase no information and again was told funds would be in the account within 24 hours. Called back XX/XX/XXXX to Chase a representative name XXXX stated my complaint was denied, informed me to notify the police and there is nothing Chase Bank could do and no information was available to support the reason of the denial. Called Chase XX/XX/XXXX spoke with XXXX a rep for Chase and was told a letter was sent of the XXXX of XXXX and again I was told I would have to get my money from the person who stole it. I was told I have Fraud Alert and Fraud Protection that notifies me when a transaction is done but did not get a notification for this large amount. Again the representatives had no explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
reliant capital solutions repeatly calls my spouse about my debt. I have a debt with XXXX XXXX and my husband is listed as my emergency contact on file at the university. I did not opt into sharing my information with another person. I contacted reliant capital solutions and expressed to them that they are not to contact my husband about my debt and I was told tht because he is my spouse they can discuss my debt with him. The told me it is legal to discuss my debt with my spouse. My bill with XXXX  is not a joint debt it is my debt. I asked the person that answered the phone to point me in the direction of the law that says she can talk to my husband or contact my husband without my permission and she refused to share that info with me. she kept saying she can call him because he is my spouse. I eventually informed her that they need to contact me and only me about my debt and I hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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:
My report is showing XXXX XXXX  credit card account as closed, when this account is still open. I spoke directly to XXXX XXXX XXXX today, XX/XX/20 and they confirmed the account is still open and they are reporting it as such. This goes to show how much Equifax reports inaccurate things on consumer credit reports and this should be illegal to update ones file without first verification and/or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NH

Complaint narrative:
I received 2 different cards that state they are debit cards from US Bank Reliacard.

The papers with one references Ohio Unemployment. The papers with the other card references Colorado Unemployment. 

I have never been a resident of either state and I have never worked in either state. 
I did not request unemployment or any bank cards. 

I believe that both may have been issued fraudulently. 

I contacted the card issuer and they told me that they are cancelling the cards. 
They did confirm that they are both cards for collecting unemployment benefits. 

I told the representative that I believe that both were issued fraudulently, but they said that all they can do is just cancel them.

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 2020-11-09 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:
attach XXXX XXXX XXXX and XXXX XXXX  are not mine see police report and FTC report

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 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account has the wrong information status. it is currently showing open.

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 2020-11-09 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: CA

Complaint narrative:
These are not my accounts. I am not a credit repair company nor a mortgage company. Please remove these accounts. 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 2020-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
A company called Lonecare, LLC has sent me 2 letters demanding I send them documentation of supplemental tax payment. I have never entered into any contract or agreement with them to supply them any information on my loan status with XXXX, who I send my mortgage payment to. Lonecare is asking for information that was resolved on XX/XX/2020 by XXXX. If they have an agreement with XXXX, I would expect them to follow up with them. I will NOT be sending any information to them. By virtue of their own actions they are at least neglecant of handling my account information or anyone else 's. They should have knowledge that the issue was resolved from XXXX and XXXX should have already confirmed this with Lonecare with documentation they require.

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 2020-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX I made a {$1000.00} principle payment to my HELOC, it got credited and then reversed. Couple weeks later I found it on my statement listed as unapplied funds. I called B of A XXXX on XX/XX/XXXX spoke with someone and was told it would be fixed in about 2 weeks. Case ID XXXX. In late XXXX nothing so I called again. Manager got involved and I was told it posted on XX/XX/XXXX and I should see it in a few days. Now XX/XX/XXXX and nothing. My XXXX statement came and the {$1000.00} unapplied funds no longer shows but it was not posted to my HELOC or back into my checking account. Called again, spoke to a nice man, he said he would contact someone internal in another depsrtment to get help. Now 1 hr and 12 min later I am still on hold. B of A has terrible costomer service in there HELOC department and basically stole my {$1000.00}. 
B of A HELOC Account number : XXXX Account summary Property address XXXX XXXX XXXX XXXX End of draw date XX/XX/XXXX Beginning balance* {$34000.00} Days in billing cycle XXXX Average daily balance {$33000.00} Credit limit {$110000.00} Line of credit principal balance {$29000.00} Fixed-rate option principal balance {$0.00} Total principal balance {$29000.00} Available credit {$82000.00} *This amount includes finance charges and other fees ( if any ) XXXX Payment information Periodic FINANCE CHARGE {$110.00} Principal payment {$0.00} Current period fees and charges {$0.00} Past due amounts {$0.00} Minimum payment due {$110.00} Unapplied funds** - {$1000.00} New balance* {$29000.00} Payment due date XX/XX/XXXX Automatic payment of {$110.00} will be drafted on XX/XX/XXXX **Please see the Other important information section of this statement

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 2020-11-09 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: VA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 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.

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 2020-11-09 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: Credit Bureau of York, Inc.
State: NC

Complaint narrative:
We accepted a request by XXXX XXXX XXXX XXXX XXXX to explore food delivery. During the sales presentation in our home, we were told that the food is grown ORGANIC. Due to health concerns in our home, we were specifically only looking for ORGANIC growers. The sales representative assured us it was organic. 

When we found out through research that it was NOT organic, we met with a representative of the company who explained that the food was raised " free-range '' and " top restaurant quality, '' however the second representative ( a manager ) confirmed our fear that the company does not sell organic food. 

We asked to be released from the contract, and that the provider could pick up the food and a freezer it was stored in at their convenience. We were advised that they could not take back food, but they declined to release us from the contract. 

We placed no further orders, and have left their food and equipment untouched in our garage for their pickup. 

The next time we heard about this is when XXXXXXXX XXXX XXXXXXXX XXXX XXXX passed our account to a collection agency ( CBY Systems Inc. ) which immediately reported it to all three credit bureaus without any efforts to address the wrong. XXXX XXXX XXXX XXXX XXXX and CBY Systems apparently intend to inconvenience and shame customers into payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts. I am not a credit repair company nor a mortgage company. Please remove these accounts. 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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These are not my accounts. I am not a credit repair company nor a mortgage company. Please remove these accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
The end of XX/XX/2020 we contacted Lakeview loan servicing based on their letter to us offering a good refinance rate. We have been in contact with them since, sending in documentation they requested, often the same documents multiple times and then having to submit those same documents again because of the amount of time. 
our initial contact was XXXX XXXX. 
We have talked to the loan processors. First one XXXX XXXX then XXXX XXXX XXXX around XXXX XX/XX/2020 ) who is our current loan processor. 
The home appraisal was done XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX early XXXX. 
It is now early XXXX and the manager of the loan processors has refused to contact us and the loan processors put the delays off on the underwriters who we can't talk to. says they can not help and processor company XXXX XXXX XXXX XXXX says they don't do Refinances. 

What is the complaint - First is the long time for processing over 4 months ; Second the lack of support to contact someone to address the issue ; third the appraiser company we were told we had to use we feel gave us a low appraisal for XXXX issues. The house appraised for less than we purchased it for 5 yrs ago, even though the community and area prices have gone up each year. 

Biggest issue is the lack of action and communication with us.

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 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I called XXXX XXXXvictoria secret because its showing up on my credit report that I owe {$360.00} and XXXX told me that I had to pay {$800.00} and I wanted to settle the debt for {$50.00} weekly and he told me that he couldnt do that and I had to pay {$520.00}. This debt is reported wrong and he was being rude and disruptive while on the phone talking about the debt trying to make me pay more money that is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: CA

Complaint narrative:
I mailed in my dispute on XX/XX/XXXX and recieved a response XXXX. The response was stating that Equifax items had been verified but they provided no proof of the original applications with my signature and proof of permissible purpose which is required in accordance with the fair credit reporting act. My information was impacted by the Equifax data breach in XXXX. I have also attached a police report from a concluding Identity theft incident. Pursuant to sections 605B, 615 ( F ), and 623 ( A ) 6 of the fair credit reporting act I am requesting that these fraudulent inquiries be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
In the beginning of XXXX, 2020 a mortgage company ran a background check on me and lexisnexis sent back a report claiming that I have 4 foreclosure. I don't have any foreclosures. I don't even have a mortgage on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have provided XXXX 's with all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I closed on a cash-out refinance on XX/XX/XXXX. The disbursement date was to be XX/XX/XXXX. I received notice on XX/XX/XXXX that my loan had funded ( 6 days late ). Though my original loan was paid off by the refinance, I sit here on XX/XX/XXXX without my cash-out funds. I have emailed my loan officer, called several times, called his manager, and called customer service. I have yet to receive a call or an email back from my loan officer or his manager. I don't know what else to do. 

The company is Loan Depot. 
The mortgage amount was {$160000.00}, and the cash-out portion was to be {$96000.00}.

Company response to consumer: Closed with explanation