vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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 stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. 

XXXX XXXX XXXX {$140.00} 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 2020-04-27 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 stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. 

XXXX XXXX XXXX {$140.00} 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 2020-04-27 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. 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. 

DEPTEDXXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} CXXXX XXXX   XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX   XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX {$310.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
ARS ACCOUNT RESOLUTION is reporting an account # XXXX on my credit report which does not belong to me & has been calling me & threatening to pay them a debt which does not belong to me & must me deleted 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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
1. According to XXXX  by East West Bank, {$2700.00} was pulled from my XXXX account ( Checking : XXXX ) on XXXX XXXX from a company ID XXXX. 

2. I didn't authorize this ACH Pull or ACH Push.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. 

The following accounts need to be deleted due to ID THEFT. 

1. XXXX XXXX XXXX ACCT # XXXX 2.XXXX  XXXX XXXX  ACCT # XXXX 3. XXXX XXXX XXXX  ACCT # XXXX 4.XXXX XXXX ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$310.00} XXXX  XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX {$310.00} XXXX  XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}

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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I requested a warranty service call from XXXX XXXX XXXX XXXX XXXX XXXX in California. They performed the service on XX/XX/XXXX for {$75.00}. The service was satisfied in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX engaged A.R.M. Solutions Inc ( collection company ) to collect the debt for them. I have called XXXX XXXX XXXX XXXX multiple times and have informed me that they show in their records that the amount owed is paid but A.R.M. Solutions Inc continues sending harassing letters to collect on the amount that has already paid. 

Here is their contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX A.R.M. Solutions Inc XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Beginning in mid-XXXX, I have submitted several disputes to Equifax to correct errors on my consumer report and have not received my results or been able to check the status of my disputes over the phone or online. I am able to log into " myequifax '' but unable to check the status of my dispute in the dispute center. I was instructed to send in my drivers license, social security card, utility bills and bank statement. I have followed up numerous times over the past 2 months but am always told to call back another day or the line is abruptly disconnected. My last contact with Equifax was on XX/XX/XXXX and they confirmed my documents were received on XX/XX/XXXX. The representative would not release the results of my dispute and told me to call back on a later day. I have lost my patience and would like to see the results of my dispute and for the changes to reflect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX  XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to use my XXXX to cash a check mobilly. XXXX has partnered with Ingo money services to perform these tasks. I entered into my secure XXXX app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from INGO with the XXXX logo that they were ready to deposit the money into my XXXX, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure XXXX app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called XXXX, who told me they could do nothing and to call INGO. I called INGO and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. 
An hour after submitting my check INGO sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, XXXX will do nothing and INGO is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX  dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. INGO should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Checked my credit reports last night ; do that every so often. Equifax 's report had my residence in a state I've never lived in, and my credit score had dropped 50 points. I have been trying all day to contact them to find out what's going on and why. Can not connect with them. Have tried to go through Oregon Ombudsman, but no answers there. All I want is some answers to some simple questions, but am beginning to suspect my identity 's been stolen. Also am beginning to suspect I live in a third-world nation, and I can't get any answers from anyone. Can you please help me? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I deposited my COVID-19 stimulus check worth {$1200.00} on XX/XX/2020, and the check was approved on XX/XX/2020. As of XX/XX/2020, the funds from the check were not available. 

I contacted Barclays to let them know that a Federal Treasury check meant they had to have funds available on the next day following a deposit. This statement is in accordance with the next-day availability requirement in Regulation CC and section 229.10 ( c ) of the Expedited Funds Availability Act. 

However, Barclays told me they would make me wait for five business days before they would make the funds available.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 2020-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
I received a threatening letter, arrest warrant will be issued today if you dont pay {$300.00} to us by end of day. I would have to purchase a prepaid card and send to them. By taking a picture front and back. Then the would send me a letter stating its paid in full ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Could not link our business bank account for receipt of " PPP '' loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The amount due for my Macy 's bill, payment due date XX/XX/2020 was {$170.00}. However, there were charges for {$100.00} and {$64.00}, respectively, a total of {$160.00} for merchandise that was ordered but not received. Therefore, I sent in a payment in the amount of {$9.00}, which was received on the payment due date. 

However, on my next bill, bill payment due XX/XX/2020, I was not credited in the amount of {$160.00} for merchandise ordered but not received, as indicated above. As a result, in addition to not crediting me in the amount of {$160.00}, Macy 's assessed an interest charge of {$3.00}. In addition, Macy 's also assessed me a late charge of {$28.00}, even though the payment I submitted was submitted and received on the due date.

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 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery is harassing again to try to collect a debt. I do not think this time it is Portfolio Recovery it is a former employer XXXX XXXX that is using this credit card debt to harass. Attached is a similar complaint I filed to the CFPB last XXXX. XXXX XXXX has harassed me for 20 years with this credit card debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Credit score decreased today XX/XX/20. No negative information reported. No negative information added. Only change was credit card payment made, which decreased credit card overall credit usage balance. Called representative today at around XXXX Eastern was told system was down and to call back. Called again at XXXX Eastern spoke with a representative who could not or would not provide any assistance with my specific issue. The Equifax representative stated he was only able to advise me of what on my credit report could have a negative impact not why my credit score decreased. He is unable to see recent changes or the scores, but could refer me to a credit counselor. I advised I am not seeking credit counseling, but need to know why my score decreased 22 points for no reason. It was implied that there is no way an error could be made with the credit score reported, and no way to get it corrected. I asked to speak with a supervisor and was advised they will not be able to assist me either. I was placed on hold, a supervisor never came to the line. I feel there is no reason other than a discriminatory act my race or gender for my credit score to decrease. I feel Equifax 's practices allows for this act to continue, and allows me as a consumer with no other option, but to seek assistance elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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 for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}

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 2020-04-27 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 for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}

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