vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
On or about XX/XX/2020, I phoned quicken loans to discuss refinancing my mortgage. I wanted some ballpark figures, as I'm comparing offers from lenders. As I was speaking to the agent, XXXX XXXX, he said he needed to verify some information in my credit report, and asked for my birthday and social security number. I told him I did not want my credit pulled. He responded that he had already pulled my credit and wanted to verify information. Because I believed my credit had already been pulled ( based on XXXX XXXX representation of same ), I continued discussing the refinance with him. 

I then received multiple alters of the credit pull from credit monitoring systems I use. I believe my credit was pulled in error and want Quicken loans to delete the pull entry so it disappears on my credit report. 

I contacted Quicken Loans and they refused to correct my credit report. They claim to have a recording of my call but refused my multiple requests to receive a copy of the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-08-19 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: TX

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: 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. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW 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 2020-08-19 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 am a victim of identity theft. I've been fighting these accounts for several months.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Received a promotional offer for a {$75.00} off coupon on a purchase of {$500.00} or more. On the same offer it also states " available every day '' no interest if paid in full with 6 months. No where does it state an " either or '' on the coupon. Called and of course got transferred a few times and was also told to call another number, didn't matter nothing got resolved to my satisfaction. In fact, one representative put me on hold for some time, assuming he was talking with his supervisor and when he got back on the line, I was told the it's the customer responsibility to look for the word " AND '' in these types of promos. If the word and is not stated, that I should assume it's and either or promotion. 

I would also like to state that I have take advantage of these types of Home Depot offers in the past and they previously stated an either or option and now they don't. 

I clearly think this is a UDAAP violation.

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 2020-08-19 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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-08-19 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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I received a Delinquency Notification dated XX/XX/2020 from Harris and Harris, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. In the detail box on the invoice it shows a series of account # 's, dates and amounts owed of services from XXXX XXXX XXXX   XXXX XXXX. 11 of these transactions are duplicated on the invoice this company mailed to me. The claimed amount due is {$3700.00}. This is {$1500.00} more than what was the confirmed amount of {$2700.00} by the service provider, XXXX XXXX XXXX XXXX. And 2 of the detailed services are services for my Husband, who has a separate account. Additionally, we had Health Insurance with XXXX during the time of the services. 

An Example of this : ACT # ending in XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/2020 {$480.00} ( this is on line 28 and line 34 of Harris and Harris 's Notification ) I called Harris and Harris on XX/XX/2020 to dispute the debt and called XXXX XXXX XXXX XXXX to have the debt pulled from Harris and Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, i went to a local Chase branch and opened a joint checking and savings account, in my name and my wifes name. We have been using the accounts since that date on a daily basis. I received a letter today from Chase saying that they have decided to close my accounts. I called the number on the letter and was told that Chase had decided to close the accounts with no reason given. I asked for more information and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 am a victim of identity theft. I've been fighting these accounts for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 am a victim of identity theft. I've been fighting these accounts for several months.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax refuses to correct their own error ( one which they confirmed corrected, via their own letter sent to me in XXXX ). Earlier this year, I sent them a letter and filed a complaint with CFPB and in both instances they required me to provide them with my social security number, address documents and a host of stuff that I do not trust them to hold in confidence. It is worth noting this company has a track record of security breaches. Why should I give them my personal information just so they can correct their own error ( I never gave them the erroneous information with the incorrect address -- -they willingly accepted that information without confirming same with me ). Adding insult to injury, when I reported their error to them in XXXX they sent me a letter noting they removed the incorrect address. I pointed all this out to them in correspondence dated XX/XX/XXXX and XX/XX/XXXX, yet they refuse to confirm they corrected their error. More infuriating is that I called Equifax on XX/XX/XXXX ( in response to the CFPB response, wherein Equifax claimed they needed a wealth of documentation from me to correct their error ) and was told by a phone rep ( by the way their phone system is a nightmare to navigate -- it took me 20 minutes or longer just to get to a live person ) that he changed the incorrect address and that a letter would be sent to me confirming the correction. It has been almost a month and Equifax has failed to respond to me. I have the confirmation number the Equifax rep gave me -- -- -but like almost everything else with this company it is likely an empty response. I'm at a loss as to how to deal with these credit bureaus.They are allowed to collect incorrect information, are not required to verify with the innocent consumer, they make money off their errors and hold innocent consumers hostage to  their witless whims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill  's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information XXXX XXXX I returned all their equipment and their still charging me. 
XXXX XXXX XXXX XXXXl XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX   XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove 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 2020-08-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2020 I paid {$420.00} to XXXX but never got the designs promised. I placed a dispute on the card. I raised a dispute on this charge as I never received the merchandise which was promised, in fact the merchandise I have received is of no use. I had to hire someone else and pay them {$1100.00} to do the job. I spoke with XXXX of Bank of the west who is taking care of my dispute. On Monday XX/XX/2020 she asked me to provide her with all the documents which I did, and later she promised that if the promised merchandise hasn't been provided by the merchant and if I have hired someone else and paid them {$1100.00} she will provide me a permanent credit. I spoke her today and she said she will take another 50 days to give me a credit, what is this nonsense. 

I have attached all the proof against XXXX, this company has betrayed me and hasn't provided the merchandize and you are still taking side of this company. 

I want the matter to be resolved here otherwise I will go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX called me on XX/XX/2020 at XXXX XXXX PST. When I answered, the other line " rang '' and was picked up by " XXXX '' from " CCS. '' Refused to identify themselves as debt collector, but said " business matter. '' I said, " if this is a debt collector, do not call me again. '' He asked, " Why is that? '' I said because I don't have to answer any of his f*ing questions, and he said, " OOOOOOOoooooooooooo. '' I said, I will report you. XXXX said, " Ohhhhh kay, so what's my phone number then? '' I hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I always make my payments before they're due. On XX/XX/2020, I made my mortgage payment {$2500.00}. I did not find out until XX/XX/2020, they put my XXXX payment all to principal. Since XX/XX/2020, I have had to call every month, because XXXX told me I never made a payment. The incompetent customer service representatives did not figure out the issue until XXXX of this year. They have charged me late fees every month, and continue to tell me I didn't make a payment each month. They're going to ruin my credit due to their own mistake. I have called at least 5 times, for them to fix the problem. Each time I have called, they have refused to fix the problem that they created.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them 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 2020-08-19 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them 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 2020-08-19 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Friday XX/XX/XXXX I received the following text message ; Did you try a fuel charge at XXXX on card XXXX XXXX yes or no. To optout text stop. 
I mistakenly texted yes thinking my husband was getting gas. 
He did not get gas or use the card. 
My frustration was the next day when I went to make a purchase with my debit card it was declined, Later we checked my account on line and my account was emptied. 
I had a deposit put in for a XXXX the day before. 
Someone had broken into/stolen the account ( I never lost my card ) and charged in {$75.00} increments until it was emptied. At XXXX in XXXX Florida. 
I was living in the time in XXXX XXXX, recovering from a bad fall with XXXX XXXX XXXX XXXX. 
My biggest complaint against the fraud protection and Peoples bank was that if they would have given me more information I would never had typed yes. Like the amount or the location. I feel I was treated very unfairly with no return of over {$900.00}. 
Also they texted only 1 message not one for each withdrawal, which had they. I would have been aware of the problem before all my money was taken. 
.

Company response to consumer: Closed with explanation