vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. 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 THE ACCOUNTS 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX site directs you to where you need to be to unfreeze. Neither Experian nor XXXX website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " XXXX '' or " experian.com/freeze '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent to 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 2020-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XXXX XX/XX/2020 we were scheduled for a refi closing by Freedom Mortgage. This process was initiated by Freedom as is common practice. At the closing, the documents presented did not match the doc 's we had been emailed. Most notable was the loan term, which had been stated at 24 years, 7 months - but was now reflected at 30 years.We immediately reached up to our loan officer XXXX XXXX and he assured us that all would be fixed and they would soon reach out for a new closing date with the proper changes made. Well today is XXXX XXXX and Freedom still has not serviced this loan. 
I have had at least four different conversations with XXXX XXXX Bilingual Customer Advocate and told that underwriting would be in touch to confirm the correction of the doc 's and assign a new closing date.I have have forwarded two customer service email request via Freedom 's website and received no response. On XXXX XXXX I spoke with a XXXX at Customer Service [ XXXX ] and asked to speak to a supervisor. XXXX assured me that I would be contacted within 24 hours - yet here I sit, on XXXX XXXX on hold with Customer Service for over an hour and still nothing.

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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX we had 2 large ACH withdraws out of our Chase account totaling about {$11000.00}. We were able to go INTO the branch and file a fraud complaint resulting in getting our funds put back into our account. 

I had most of our money in our new savings account which is an account we do not typically have activity in because it just sits holding money. I more closely monitor our checking account because that one has activity in it. I did not notice the {$2.00} ACH from our savings XX/XX/XXXX then in XXXX XXXX {$2.00} and {$2.00} XX/XX/XXXX XX/XX/XXXX {$3.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$9.00} At first I glanced at these smaller amounts because so minute I thought dividends it did not register. Then on XX/XX/XXXX as the country was facing a pandemic and things were shutting down larger amounts started coming out. I was like most people dealing with job loss, children having to learn how to work from home to keep up with schooling. My husband was trying to retain the clients he had by offering free services so that they might return when businesses opened up again. Not normal circumstances for anyone. 

As we sat struggling through quarantine, the hackers successfully removed {$7400.00} from my savings in 10 transactions between XX/XX/XXXX and XX/XX/XXXX. I was notified that I reached the withdraw limit that's when I noticed the activity and filed with chase fraud that moment. Because they were so helpful the first time this happened I had no doubt that they would seen this fraudulent activity and we would see out money again. 

I understand that this is spread over a period of time. What they need to understand is the situation itself. This is an account that we let sit so do not check on it as often as we should. The actual time frame with the most money stolen was during a worldwide pandemic which everyones focus was all over. The vendor name on the ACH transfers was one we are familiar seeing because we use XXXX XXXX   however this is not actually XXXX. Even that did not put up a red flag at first glance. 

There is information I found when looking at regulation E which was written back in the XXXX XXXX when we really didn't use online banking like we do now. Perhaps that should be updated. Apparently there is only a 60 day window from the first transaction which there was only one XX/XX/XXXX for {$2.00} then nothing until XX/XX/XXXX so nothing else is even considered even though it is straight up theft any way you look at it. I do take responsibility for being in a terrible situation along with the entire world, country, and state and I do wish I would have caught this in XXXX. If it was in the checking which we use daily it would have been caught ASAP, first attempt. 

Thank You XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
When I attempted to get my free annual report online this morning from Equifax, the response was that I couldn't get it online. No reason was given. I created and logged in to a personal Equifax account. There seemed to be no way to get a printed full report from this site but sections of the report were listed for online viewing. However, the only portion of the report I was able to view was the summary. On the summary, my credit report status was " blocked for promotional reasons. '' I object to having my report blocked for that reason. In addition, the option offered to me after my attempt to get the report online was blocked was to mail a form and copies of ID documents to Equifax. The instructions specified that the documents must be mailed in a # 10 envelope. I think it is an unreasonable burden on the consumer to require that the documents be mailed in a specific size envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority
State: TN

Complaint narrative:
Oklahoma student loan authority has an account from the year of XXXX. On a private, non federal student loan. I co-signed for my husband. We filed bankruptcy in XXXX and it was also discharged on my husbands behalf from XXXX XXXX. But they keep hitting my credit saying I still owe. Theres a statute of limitations on this. 5 years in Oklahoma and 6 years where I reside. This should not be on my credit and I should not owe. Its past all those 3 reasons.

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

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I was told this Company would decrease the rate with on time payments. 
I have made 22 payments on the car and paid over {$6000.00} and my balance has only gone down by {$2000.00} This is predatory lending. 
I want out of this loan with no damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To be clear, I am extremely grateful in the efforts of XXXX working to check the Clarity database and Providing the specifics that no consumer report or score exists for me. I am submitting this as a matter of record for me to request that the personal data I provided to Clarity, as requested to provide to me the " report ''. I am now requesting that the PII be purged from it's database. I say this because it is not a matter of if but when you are hacked.

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 2020-07-07 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: GA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. 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 THE ACCOUNTS 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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XX/XX/2019 to the present, Chase Bank has unlawfully withdrawn and refused to refund thousands of dollars in deposits made to my accounts and has refused, despite a previous CFPB complaint, to refund the amounts withdrawn. All amounts were withdrawn for excessive fees. In my previous complaint they made it appear to CFPB that they provided credits for all the excessive fees, but they did not. All of my accounts ; there are many, have been placed at a {$0.00} balance. Chase took the funds for the excessive fees, exactly the opposite of what they reported they were doing to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from XXXX XXXX XXXX. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.

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

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2020-07-07 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-07 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:
IVE BEEN VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX  site directs you to where you need to be to unfreeze. Neither XXXX  nor Equifax website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " myequifax.com '' or " XXXX '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Experian Four letters requesting that they remove addresses that are not mine. 

They recently removed someone else 's social security number from my credit report and need to remove the addresses that are not mine as well. 

I have a fraud alert on my file to prevent any further wrong names, addresses, and socials from being reported onto my credit report. 

I have done all I can do as a consumer to correct this problem. 

I spoke with a an agent by the name of XXXX from the Gladiator department who stated " the law says if you dispute information on your credit report you need to contact the person who is reporting it '' He then proceeded to tell me to reach out to the collection company to remove the wrong address '' Experian, please show me in the law where it states I have to call a collection company to have a wrong addresses removed from my report. 

The last time I read, I needed to call you guys to do that. 

Is this a new policy of Experian? to redirect the consumer to another company to fix an issue you are reporting? 

Are you guys refusing to remove addresses when a consumer notifies you that is not theirs because a collection agency is reporting it? 


Please answer these questions.. 
Because I have addresses listed on my report that any reasonable person can take a look and see that it's wrong. 

PLEASE CONFIRM THAT YOU REMOVED THE ADDRESSES I HAVE REQUESTED TO BE REMOVED IN THE RESILUTION.

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however Chase will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

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

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to get money off of XXXX from my paycheck but PNC bank wont let me Link the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive tried multiple times to dispute Fraudulent information oN my reports. XXXX and Experian has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account

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