vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I bought a Costco membership at one of their stores on XX/XX/XXXX. Even though I have numerous credit cards I decided to apply for their specific Visa card through Citi, to get the best bang for my buck. The sales girl called them so I could give them my info. I was denied and told I would receive a letter stating why. Approximately a week later I received a letter stating that I was denied. 
This is what the letter states! 
You have filed for bankruptcy and your previous accounts with us was included in the filing. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
Your previous or existing account with us has a history of late payments. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
The credit privileges on your existing accounts are currently restricted. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency. 
XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I have trouble inserting things, thats why I did not send a copy. If need be, I can fax or e-mail. I contacted XXXX and they do not have a record of the application or a bankruptcy. They sent me a copy of my credit report. I have 2 other cards through Citi bank. A Master Card and a Best Buy Visa. I have never been late on any of my cards. I have spent hours trying to get to the bottom of this. Costco was on hold for such along time I told the girl to not worry about it. I have been transferred on the phone today with Citi for 3 hours, trying to find out where this false info is coming from. This is why I need your help. If Citi did this without even contacting XXXX  why would they lie about this? I am completely baffled!

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT

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 2020-04-16 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: DC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB CARD has reported fake news on all my credit files : - XXXX - XXXX - XXXX My ID was stolen by a XXXX XXXX out of XXXX XXXX County, State of California per IRS CID investigator XXXX XXXX. 

I have notified JPMCB years ago and they continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
To whom it may concern, I received a short-term payment relief on my modification loan under the HAMP program letter dated XXXX XX/XX/2020. Nevertheless when the short-term relief ends ; " Any payment that become due during the relief period and are still unpaid will be move to the end of the loan. '' However I dispute the language in the memo, according under section 4013 of the Cares ACT, bank may elect not to categorize loan modifications a ( TDR ) if they are ( 1 ) related to COVID 19 ; ( 2 ) executed on a loan that was not more than 30 days past due as of XXXX XXXX ; ( 3 ) executed between XX/XX/2020, and the earlier of ( A ) 60 days after the date of termination of the National Emergency or ( B ) XXXX XXXX. Nonetheless for all other loan modifications the agencies have confirmed with staff Financial Accounting standards Board ( FASB ) that short-term modifications made on good faith basis in response to COVID 19. to borrows who were current prior to any relief, are not ( TDRs ). This includes short-term ( e.g. six months ) modifications such as payment deferrals, fee, waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrows considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. As of XX/XX/2020 Troubled Debt Restructurings ( TDR ) states when does a payment accommodation become a TDR modification of loan terms do not automatically result in TDRs, and as described, institutions generally do not need to categorize COVID 19. Related to modifications as ( TDRs ). According to U.S. generally accepted accounting principles ( GAAP ), a restructuring of a debt constitutes a TDR if the creditor, for economic or legal reason related to the debtor 's financial difficulties, grants a concession to the debtor that it would not otherwise consider.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I contacted Suntrust mortgage regarding the forbearance program. After waiting on hold for close to 6 hours, I spoke with an individual who described the program. The program was available for 90 days and in about 45 days they would contact me to see if I needed it to have it extended. During that time I would still accrue interest, but no payment was required. During that time I could make payments. I was also told that there would be no effect on my credit score and that Suntrust would let the credit bureaus know during the forbearance period that I remain current. On XX/XX/XXXX, I received a notification from the credit bureaus that my score went down 20 pts. After reviewing my report I learned that Suntrust had notified all bureaus that I was in forbearance on my Suntrust Mortgage. The call with Suntrust was recorded so I have attempted numerous times to contact via telephone and each time the call gets disconnected during the on hold queue. I have also sent emails regrading this to XXXX XXXX is the Home Preservation Client Representative. Her email is XXXX and her phone number is XXXX ext XXXX.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/TJX COS DC has negatively reported me to the following Credit Reporting Agencies ( CRAs ) : - XXXX  - XXXX  - XXXX  I notified them several years ago that a XXXX XXXX working out of XXXX XXXX County, State of XXXX  has stolen my ID per Special Agent XXXX XXXX with the XXXX  

These criminals are sophisticated and have been filing false income tax returns on my Social Security.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just reviewed my most recent credit report and came across some errors reporting to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I have requested my PMI be deleted due to owing less than XXXX and a recent appraisal of XXXX

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
1. I WENT ON XXXX  XXXX XXXX TO OPEN UP AN ACCOUNT, WHICH EVERYTHING WAS OKAY AND OPENED. 
2. MY ACCOUNT WEN INTO COLLECTIONS. 
3. XXXX  XXXX SOLD MY ACCOUNT TO XXXX XXXX XXXX . 
4. ON MY CREDIT REPORT IT HAS BEEN CLOSED THROUGH XXXX  XXXX. 
5. IM TRYING TO PAY IT OFF WHICH NOW I WOULD LIKE IT REMOVED DUE TO WHEN I CALL THE NEW OWNERS WHICH IS LVNV FUNDING MANAGEMENT, THEY DONT SEE THAT ACCOUNT I AM SPEAKING FOR BUT ONLINE ON RESURGENT CAPITAL SERVICES IT SHOWS I HAVE 2 ACCOUNT UNDER MY SOCIAL BUT WHEN SOMEONE ELSE NAME WHICH HE IS MY HUSBAND. 
6. I CALLED THEM TO INQUIRE WHY HIS ACCOUNTS ARE SHOWING UP UNDER MY SOCIAL BUT ARE NOT SHOWING UP UNDER HIS SOCIAL. THERE RESPONSE WAS TO CALL XXXX  XXXX AND FIND OUT WHO HAS THOSE ACCOUNTS. XXXX  XXXX RESPONDED WITH THE NUMBER TO XXXX XXXX XXXX. 
7. XXXX XXXX XXXX RESPONDED STATING THEY DON'T HAVE THAT ACCOUNT ON FILE. 
8. MY QUESTION IS WHERE IS THIS ACCOUNT, AND I WOULD LIKE FOR IT TO BE REMOVED FROM MY CREDIT. 

XXXX  XXXX PHONE NUMBER I CALLED WAS XXXX XXXX XXXX XXXX NUMBER I WAS TOLD TO CALL XXXX LVNV FUNDING LLC PHONE ON XXXX  IS XXXX RESURGENT CAPITAL SERVICES WHERE THE PORTAL SHOWS THE ACCOUNTS AND BALANCE AND WHERE TO PAY IS XXXX ( I SPOKE TO THEM AND THEY COULD NOT GIVE ME ANT INFORMATION TO WHY ITS APPEARS TO COME UP IN MY SOCIAL BUT NOT RECORDS OF IT ON MY HUSBANDS SOCIAL. THEY REFEREED ME TO XXXX   XXXX WHICH REFERRED MY TO XXXX XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PORTAL.RESURGENT.COM ( WHAT COMES UP WITH MY SOCIAL ) Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$1100.00} Charge Off Creditor : XXXX XXXX XXXX XXXX. 
Servicer : XXXX XXXX XXXX, XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Information Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$880.00} Charge Off Creditor : XXXX XXXX XXXX, XXXX. 
Servicer : XXXX XXXX Phone:XXXX  Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX BOTTOM LINE NO ONE WAS ABLE TO FIND ANYTHING OR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CL Holdings LLC
State: NE

Complaint narrative:
XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This was an account open 13years ago and by law it shouldve been removed from my credit report years ago

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just reviewed my most recent credit report and came across some errors reporting to my credit file.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just reviewed my most recent credit report and came across some errors reporting to my credit file.

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 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My wife and I are long time Chase customers. We have a checking account and three savings accounts with Chase. We also have three Chase credit cards. On XX/XX/2020, at the request of a seller, my wife and I initiated a transfer of {$770.00} through the Chase App. On the Chase App there is an icon for QuickPay with XXXX. There is nothing on the Chase App stating that Chase would not support a customer in challenging a QuickPay with XXXX transaction or that Chase 's QuickPay with XXXX is not afforded the same protections as any other transaction through Chase. A couple of hours after the transaction was initiated we discovered that the seller was running a scam and that we would never receive anything from the purchase. At that time, the transaction was still showing as pending on our account. We immediately attempted to notify Chase of the fraudulent transaction and ask that it be reversed. Because of COVID-19 Chase 's fraud department was not operating on Saturday, XX/XX/XXXX or Sunday, XX/XX/XXXX. As a result, instead of having someone being able to assist us we had to send an e-mail to Chase through its e-mail system. At that time we provided Chase with the information it would need to contact the receiving bank to challenge the transaction. In response we received an e-mail stating that due to increased volume we could expect a delayed response of a week or more. On Monday XX/XX/2020, we attempted to call Chase 's fraud department. At that time the transaction was still showing as pending on our account. After being on hold for 4 1/2 hours, we were finally able to speak to a representative in the fraud department. The representative informed us that Chase was not going to contact the receiving bank and it was not willing to assist us in attempting to recover our money. The problem is that other than the receiving bank account ( which has not been shared by Chase ) we do not have any other valid information that could assist us in pursuing the fraudulent seller. We continued to follow-up through the secured message center. Then on XX/XX/2020, Chase informed us that it was denying our claim because the transaction can not be recovered by the bank without further explanation.

Company response to consumer: Closed with explanation