vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I contacted IQ Data International on XXXX after receiving a letter about a debt owed. The letter stated that I would be allowed to settle the debt for 30 % if I called before XX/XX/XXXX. When I spoke with the representative, I was offered an amount of {$790.00} to settle the debt, but for an additional {$340.00}, they would erase the account altogether. I opted to pay the XXXX, and received the confirmation letter that the account was closed. I was told that the option to call back and pay the {$340.00} would remain available until XX/XX/XXXX. Today, I noticed on my mobile banking app that they ran my debit card for the additional {$340.00} without my consent. I called, and was told that I needed to contact them prior to XX/XX/XXXX if I did not want my card ran. I told them that I never consented to this amount, and was told that they had my consent recorded, and refused to further investigate the matter. I was then told to " stop wasting their time '' and there was no further escalation process. I have contacted my bank to dispute the charge. The representative I spoke with was verbally abusive, telling me that since I " loved to talk '' that he wasn't going to continue to help me. I called back, and was transferred back to him again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This is a medical debt that was sold to another company that is one a Hipaa violation, second the debt was never verified as being mine, and if this was mine XXXX should have been billed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I purchased a new phone on XX/XX/2020 through XXXX XXXX ( which goes through TD Retail Card Services ). I received and email welcoming me to XXXX XXXX. This is an excerpt from the third paragraph, " Once you receive your welcome kit in the mail, you will have everything you need to finish setting up your XXXX XXXX online account profile. '' I never received the welcome kit. I waited until XX/XX/XXXX, figuring it was just delayed due to the pandemic. On XX/XX/XXXX I called XXXX and they directed me to contact TD directly. I called and I never got an answer. So I went to their website and clicked the link for if you have trouble accessing your account ( XXXX ). I sent the Email that same day, XX/XX/XXXX, and I didn't receive a response. I called XXXX again on XX/XX/XXXX, again they directed me to contact TD directly. I spent an hour and a half on hold, and sent another email. I finally got a response. They asked for my first and last name, then my zip code. They said they were able to find the account then asked for permission to send me a passcode to the phone number on file. I received the passcode and replied within 1 minute ( I have the timestamps to prove it ). No response. On XX/XX/XXXX I sent them an email stating that I still didn't have access to my account and if I didn't receive a response I'd be contacting the credit bureau ( after further research I realized I needed to contact the CFPB ). I still did not receive a response. I'm trying to purchase a home and I don't know if or when they're going to send me to collections for non payment. I've acted on good faith messaging them, calling them, trying to get them on the phone. I do not have the time or energy to deal with them any longer. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
I have a mortgage with Quicken Loans. The original amount was about {$280000.00} on XXXX XXXX XXXX and I have paid every mortgage payment on time. Beginning in XXXX of this year, Quicken Loans has started hounding me to refinance my mortgage through regular, unsolicited phone calls. During one phone call, I agreed to look in to refinancing, but the only thing they could offer me was a larger monthly payment. I told them verbally that I was not interested in this offer. They continued to call me, and it soon escalated. For most of the month of XXXX, I received 4-5 calls per day pressuring me to accept their refinance offer, including week days and some weekends. I did not respond to their calls. On XX/XX/XXXX, I received an email from them requesting me to refinance my mortgage. I responded to that email requesting that they stop contacting me about it because I wasn't interested and that I'd much rather have any future mortgages through a company that wouldn't hound me this way. I continued to receive calls from them regularly. On XX/XX/XXXX, I answered another call and made it clear that I was not interested in refinancing. They were very condescending and assumed that because I was a woman, I didn't know about recent market changes that could impact refinancing rates, even though I've worked in finance for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.

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 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
In XXXX I was holding for hours for Santander to advise them that my payment would be a few days late. I was furloughed from work due to covid. I couldnt get through. i made the payment in XXXX and was hit with a late marker. I sent a letter to the credit bureaus and company. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: WA

Complaint narrative:
Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as Covid19. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. 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 2020-07-24 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: WA

Complaint narrative:
Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as Covid19. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
on the XX/XX/2020. the was hacker into my checking account, and use app " XXXX  '' to sent money out my account ( one times for XXXX and XXXX ) early XXXX around XXXX XXXX I dicovery it then Call ussaa bank to complain. they said open the fraud clamp and help me reset account XXXX XXXX. I did change password, security code. I did not I don t use " XXXX  '' and like to remove it but they insist that is part of the bank. 
Next day when I check my account again the is total " six transfer " money out my account USING XXXX same receicers. 2 of them did go throught and 4 is stop and did return back to my account.time hap ) pen is within 3 min ( from XXXX to XXXX XXXX USAA BANK later issue letter state they found no evident fraunt found on my account. and refuse to refund my money. total around XXXX I did talk to IT guy in USAA and he said hacker used diference device hack into account I did call USAA AGAIN on friday but tey said decicion have been made. there no fraud on my account I like to help me how to get my money back from the bank and where Ican go for help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX is the number that keeps calling me. They have called FIVE times in the past three days. The call is a robocall claiming to be TD Bank. I do not and have never had an account with them. I asked to be removed from the call list and she wanted me to give her the last four of my SSN and address. I absolutely did not and told her to remove me from their call list or I will be calling an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
Herbies auto sales XXXX colorado XXXX XXXX XXXX  on XXXX colorado On XX/XX/XXXX I was trying to buy a car on Herbies auto sales but they didn't told me what was a lease on XXXX I get the lease for XXXX I found that was a lease for a hause seller that I paid more than XXXX for the lease I told them and they say they can do nothing for me and they erase that on credit report after that I decided to buy the car and make the new contract I buy it on payment I bought it on XX/XX/XXXX but they say I pay XXXX cash but I was making payments and they don't want to give me the extra XXXX over pay on lease and put those years on payments on my credit

Company response to consumer: Untimely response
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I purchased my condo in XXXX and the lender sold the mortgage to Chase Bank. For the 2nd year in a row, despite receiving billing from my insurance agent, Chase Bank did not pay my mortgage insurance, causing my policy to go into termination due to non-payment. 

The first year, Chase worked it out and paid. But two year 's in a row is not acceptable. This time, on XX/XX/XXXX, they claim they overnighted a payment, but the are unable to find any identified shipper nor tracking number, and XXXX XXXX company has still not received the payment. Chase is unable to find in their system if the check was ever cancelled. 

At this time I am without homeowners ' insurance, which puts me at great risk. 
Date notice sent from XXXX to Chase : XX/XX/XXXX, due date XX/XX/XXXX Chase claims they received, but states the bill had no amount on it, yet would provide no proof of that. My copy had the amount on it so I don't believe them, especially not XXXX years in a row. 
Amount of the bill : {$320.00}, cancelled effect XX/XX/XXXX When I contacted my agent, XXXX XXXX, today, they stated XXXX had not received the payment. 

The supervisor I was transferred to stated it looks like the payment was not actually sent. He is investigating further but would not guarantee a resolution today, which I demanded given the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I invest in an on-line brokerage platform called Robinhood out of XXXX XXXX, CA. They have locked my account and despite several emails, they just ignore me. I see i am losing money daily because stocks are declining but have no ability to move them since o have no access. I tried calling but they sent me to their website and just hung up. I then filed a XXXX  complaint but XXXX basically said not to expect anything because of the XXXX complaints this year they have only responded to XXXX and now ignore them all. XXXX pulled their accreditation and slapped them with an XXXX  rating. I am powerless and hope this important agency can help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I initiated two transactions XXXX and XXXX for a small funds transfer to my family members to help with the Covid unemployment situation. The funds have not yet been delivered. 

Xoom has debited my bank account but their Customer Service XXXX does not answer all week. Their parent company XXXX told me they can't help me. 

Xoom has sent me two emails stating that there is a problem with their 'partner '. However I have not heard from them for two days. 

My niece went in to her bank ( XXXX ) in XXXX XXXX and they verified there is no problem with her account.I suspect that fraud has been perpetrated somewhere along the line. 

Can you help with this matter. At the least i would like to cancel the transactions and receive a refund but can't seem to get through to XOOM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I booked travel using a chase credit card in XXXX of XXXX. I used XXXX points I earned with the card combined with {$2000.00} for the reservation. Due to COVID travel restrictions I had to cancel my reservation. I did so in the recommended timeframe suggested by Chase. In XXXX of XXXX I closed the credit card I used for booking this reservation. When I cancelled the reservation on XX/XX/XXXX, I requested they send the refund to a different chase account I have that is open. They refunded the points used to this account within 2 days, but I still have not received the refund of {$2000.00}. I waited patiently and have now been working on this matter for the past month with no foreseeable resolution in the future. I have spoken to Chase travel and Chase no less than XXXX times regarding this matter. They assigned my case to someone in their Executive department. As of my update today, they still have no projected resolution. They have confirmed multiple times that they owe me this amount of money, but I keep getting sent to different departments and each one tells me that they need to investigate the situation. After each one investigates, they send me to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-24 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: MD

Complaint narrative:
I want to save money using the XXXX  app. Pnc wont allow me to connect my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
The following accounts on the report do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-24 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: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation