vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 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: NY

Complaint narrative:
Not my items reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One, XXXX XXXX XXXX, XXXX, VA XXXX had a checking and possible line of credit account for my daughter. Years ago, I was instructed by Capital One that I could add this account to my electronic banking to enable me to transfer funds to her, but I never accepted responsibility as a co-owner and was not responsible or informed about that account. Capital One never communicated with me about this account or informed me that the account was in arrears. In late XXXX, 2020, I got a call from Capital One that her account was past-due, and I authorized them to withdraw from my checking account the past-due amount to help my daughter. Capital One at that point started to treat my daughter 's account as mine, without any notice or authorization by me, and then reported negative information to XXXX and others ( XXXX ) using my personal information. The date of the report was XX/XX/2020, the amount is {$810.00}. I have repeatedly attempted to have Capital One remove this negative information in my name from the credit reporting records. Capital One appears to have no department to deal with misinformation about checking/credit lines. Instead, they keep passing me from department to department, and are even unable to find how this information was reported about me, and seem to have no mechanism to fix this problem. They inform me that they have a department to deal with credit card errors reported to credit reporting agencies, but have no one to deal with misreporting checking/line of credit information. One senior representative admitted that they have no mechanism because, unlike credit cards, they believe they have no statutory requirement to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NY

Complaint narrative:
The accounts listed on FTC report are not my accounts

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 2020-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have a HELOC with Citizens Bank. My rate is Prime - 1 %. Prime rate was reduced on XX/XX/2020 ( from 4.75 % to 4.25 % ) and again on XX/XX/2020 ( to 3.25 % ). The rate on my HELOC should have been 2.25 %, however, the rate on my loan continued at 3.75 % through XXXX. I have tried calling customer service, but their agents are not able to answer my questions. I have requested copies of my loan documents both with customer service and on line to no avail. As I am not able to get answers to my questions I am out of patience and am requesting that the CFPB investigate this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Due to Covid -19 my airline tickets were cancelled. There is no balance due on the card. The bank has gotten payment in full for the tickets. The money, from the airline, was put back onto my Bank of America credit card. That was on XX/XX/XXXX. I contacted them to refund me my {$2100.00}. I asked for an electronic transfer and gave them the bank routing number and account number. After holding my cash for a week nothing was done. I called them again. This time I was told they were not allowed by law to refund via an electronic transfer. It had to be a check made out to me and sent to my home address. They said it was in progress and I should have the check within a week. Now another week has passed and they still have not refunded my money. How long can they hold my funds before they transfer the money back to me? Is it true they can not do an electronic transfer. I have friends that have received refunds from another bank using an electronic transfer. They are collecting interest or lending out my funds. I thought I had the right to an immediate return of funds. If I owed them money they would call the credit bureaus, start debt collection. What are my options?

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 2020-05-24 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: NY

Complaint narrative:
The accounts listed on FTC report are not my accounts

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 2020-05-24 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: NY

Complaint narrative:
The accounts listed on FTC report are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: FL

Complaint narrative:
Problem with Trans Union for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX  original creditor XXXX XXXX  2 ) XXXX XXXX  original creditor XXXX XXXX 3 ) XXXX XXXX  original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

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 2020-05-24 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: GA

Complaint narrative:
I have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.

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 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened my savings account online bc the rate was Heavily advertised as 1.50 %. The day after my account was opened the rate was lowered to 1.30 %. Total bait and switch situation. 

Opened / funds available XX/XX/XXXX Rate lowered XX/XX/XXXX Telephone banking agent was nice. Explained rates can be adjusted. I understand that but not the day after the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
We have had a long list of Fraudulent charges on our Barclays MC that ends in XXXX and the card is not taking any phone calls regarding suspected fraud. We can not resolve charges with a merchant who is Fraudulently charging our Master Card unless Barclays ' will help. 

We gave permission of {$6.00} only to XXXX but they have other companies that are running Fraudulent charges on our card. Here is the whole list : BARCLAYs CARD DISPUTE for XXXX XXXX. Card Ends in XXXX XX/XX/2020 XXXX {$89.00} FRAUD XX/XX/2020 XXXX {$89.00} FRAUD XX/XX/2020 XXXX  XXXX {$89.00} FRAUD XX/XX/2020 XXXX XXXX {$89.00} FRAUD XX/XX/2020 XXXX XXXX {$6.00} FRAUD XX/XX/2020 XXXX XXXX XXXX  XXXX OK

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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Money transfer with MoneyGram to XXXX on XX/XX/2020 for {$100.00}. Money was not received, so I cancelled the transaction on XX/XX/2020. Money has not been received back to my account as of XX/XX/2020. Contacted MoneyGram and they stated the receiver needs to cancel transaction. This was a very confusing answer, since I sent the money and the receiver never received the money and I cancelled the transaction and have all the information. There is no reason for the receiver to get involved, he did not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Have not been receiving statements and when When I called to pay my bill in XXXX they company managing Macys Credit Cards REFUSED to take my on time payment! I stated ai havent been receiving bills and cant access account online and was informed someone would contact me - I mailed my payment in using an old bill payment slip for XXXX ; Never received XXXX statement so I called again and they REFUSED to take payment stating I am in collections. I stated that I mailed XXXX payment in snd will mail XXXX payment and stated I requested a call over a month ago explaining what is going on and want a call back! its been 54 days and no one has called me! I have NOT received any statements for four months and no calls. I have had my Macys account for 21 years and never had any issues til Citi Credit Services took over about five years ago they do not honor 30 day credit they sporadically mail out statements and changing terms of number of days for revolving timeframe from 30 days to it is a 27 days to 33 days. 
I have nothing to upload as proof as I have received NO communications statements notices.

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 2020-05-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-05-24 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A loan I had with Wells Fargo Home Mortgage was transferred to XXXX XXXX XXXX in XX/XX/2019. XXXX XXXX XXXX claimed, according to the information that they received, I was 30-days behind on a loan payment, which I was not. I requested that Wells Fargo please tell me which month their records show I missed payment, so that I could show my bank statements proving they had received payment. I had requested this full payment history from Wells Fargo for months before they transferred the loan, yet they never provided this information. XXXX XXXX XXXX also claims it could not provide this information, as they only have the payment history sent to them from Wells Fargo. Instead they have requested that I fill out an application to pay this extra payment on the back end of the loan. I want a full accounting from Wells Fargo, their records are incorrect, and I have bank statements to show my payment history.

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 2020-05-24 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
This is a copy of a complaint entered at the Alabama AG site consumer protection site online XX/XX/XXXX, regarding thismatter : My wife and I recently received correspondence from Money Network Financial that included a VISA card embossed with our names. The accompanying literature stated in enlarged letters : " Here is your Economic Impact Payment Card enabled by Money Network. '' It takes reading the fine print and looking past the misinformation to understand that this mailing is actually an offer to open a credit account with Money Network. The enclosed printed literature even says, " This prepaid debit card is being sent to you on behalf of the U.S. Department of the Treasury in place of a paper check. This Card contains the money you are receiving as a result of the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ). Copies of mail literature forwarded by email to the Alabama AG ConsumerInterest email address. 


XXXX and XXXX XXXX XXXX, AL XXXX XXXX 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 2020-05-24 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: FL

Complaint narrative:
Problem with Equifax for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) XXXX XXXX  original creditor XXXX XXXX 2 ) XXXX XXXX original creditor XXXX XXXX 3 ) XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.

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 2020-05-24 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: IL

Complaint narrative:
THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.

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