vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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:
I am having a monumental problem with XXXX and my credit reporting agency. When XXXX and Equifax agencies report to XXXX, they are sending in reports that indicate that my FICO score is under XXXX. I have never had a FICO score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX XXXX tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX  & Equifax. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a XXXX XXXX and being unjustly punished. I keep getting the run around from the credit bureaus and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-28 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 received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
A company that goes by the name of LoanCare LLC out of XXXX XXXX acquired ARM mortgage about 2 years ago. We have our mortgage payment set up online with automatic payments and for the past two years we have not had an issue and we pay early and we pay more than the amount that is due and it has came out of our account and went into their account without a problem for 2 years. Recently we received a letter saying they did not receive our payment so we got online and verified where the money had been taken out of our account and sent just like the 22 previous payments that they did receive and mind you my wife is a manager at the bank where our money comes out of XXXX tract the account that the money had been deposited into. We reached out to LoanCare LLC to try and resolve the issue and they have been less than accommodating and have let us on and not returned our calls or our emails or resolve the issue in this has been going on for over a month meanwhile me and my wife 's credit scores that we're both in the upper seven hundredths have been affected buy dropping over a hundred points do to LoanCare LLC complete incompetence. We have provided them with records showing the money had been taken out just like it always has and provided them with the account number where it went and we have all the records showing who we talk to when we talk to them dates and times in emails and countless hours trying to resolve this issue completely at our expense. This company is an absolute joke and is basically committed credit slander and put us through much stress and heartache and still have not resolved the issue. It is absolutely ridiculous that hard-working responsible Americans the try to take care of themselves financially have to be stifled and setback by a Company that is completely incompetent and could care less.

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623. I am demanding they are removed. 

XXXX/account number xxxxxxxx XXXX XXXX XXXX account number xxxxxxxxxx

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 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/2020 I went to Western Union Agency located at XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX to make a international money transfer of {$96.00} to XXXX XXXX. The problem was that receiver person identification was expired and could not collect the money ... So contacted Western Union costumer service. They alway put me excuses that they're investigating the case, I never received any refoud yet, please help me I need my money back. 

CFPB # XXXX I reported by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Mitigation Services, LLC
State: WI

Complaint narrative:
I don't know who these people are or what debt they are calling about because they don't disclose it. They call from number XXXX and say " they are with Revenue Reporting and are handling a matter that directly concerns me and before they sign off and submit anything they want to give me the opportunity to go over the details of the matter. It's imperative that they speak with me ... and they will leave a message with my office also ... '' This is not OK to not tell me what the debt is and to call my employer!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
After the data breach with Equifax, I put a freeze on my account with them. 

I have tried a number of times over the past 6 months to get my credit report via XXXX from Equifax, but each time, I get an error that they are unable to complete my request, and that I have to mail in documents. Since my data was involved in the Equifax breach, I'm reluctant to trust them with that sensitive documentation, so I have been trying to find an alternative. 

I also have a myequifax account, set up when I froze my report, and similarly over the past 6 months have tried a number of times to login and remove the freeze, but when I attempt to login, I get a generic error and a phone number to call. 

When I call the number, or when I call any number to reach equifax to discuss the freeze and the inability to get my report, it takes me through identity verification questions, and without fail ( I have tried calling many, many times ), the 4 questions do not pertain to anything in my credit report. I answer None of the Above to each, and inevitably, the automated message says that they are unable to complete my request. 

I can not figure out ANY WAY to get in touch with a human being at Equifax to see what is going on with my report, and after hours and hours on the phone, and months trying to figure this out, I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Freedon credit card closed my credit card account on XX/XX/2020 for reasons not caused by me. My address was changed to XXXX XXXX XXXX XXXX, FL XXXX And phone calls were made to Chase as well.as my online login accessed pretending to be me. This was done with my IRS address on file as well as my XXXX XXXX  account. 
I can't get Chase credit card services to get someone on the phone to help. I have emailed and called over and over about this issue. There was no reason for this account to be closed. I was never called, emailed, or sent letters about any suspicious activity on this credit account. I have been charged monthly late fees of {$39.00} plus interest on the charges on the card. 
Chase Card can not just close the account for fraud by another person and not reopen a new account for me. I have been trying to deal with this issue since XX/XX/2020 and I can't get a reasonable response. I filed a fraud report with the USPS postal service and will file a police report if needed. 
Please help resolve this issue. 

My social security number is XXXX Card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my 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 2021-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
FOLLOWING ITEMS ON FTC REPORT IS CONSIDERED FRAUDULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am having a monumental problem with Macys and my credit reporting agency. When XXXX and XXXX agencies report to Macys, they are sending in reports that indicate that my XXXX score is under 500. I have never had a XXXX score of 500 or less. I do not understand why I am having so many problems with the credit agencies and Macys. 

The credit bureau tells me that it's not their fault and Macy 's tells me it's not their fault in the meantime no one is willing to assist me. 

Macys tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX & XXXX. 

I am disputing the information they are forwarding to Macys. I dont know how to correct the mistake Of the credit bureaus as well as Macys records. A Macys credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XX/XX/XXXX and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and Macy 's.

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 2021-01-28 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:
I am having a monumental problem with XXXX and my credit reporting agency. When Experian and XXXX  agencies report to XXXX, they are sending in reports that indicate that my FICO  score is under XXXX. I have never had a FICO  score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX 's tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at Experian & XXXX. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and 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 2021-01-28 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc
State: OK

Complaint narrative:
XXXX XXXX was very rude she threatened to suspend my license if i didnt put down XXXX. She also hangs up in my fave frequently. Im tired of getting harassed by them. I also told her i had to pay my rent and light bill and she suggested i push those back because the debt is important.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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:
I received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit 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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: WA

Complaint narrative:
We applied for a mortgage refinance with Wyndham Capital Mortgage. We completed all paperwork and submitted all requested documents. Wyndham Capital Mortgage ordered a title report as is common practice for mortgages. The title report showed our current mortgage and a partial deed of trust. Wyndham Capital Mortgage approved us for 2.87 % interest conventional loan. We signed closing documents on XX/XX/2021. The refinance was scheduled to close on XX/XX/2021 and fund on XX/XX/2021. We received an e-mail on XX/XX/2021 advising us that the refinance was closed and has been fully funded. We were under the impression that everything was complete. 
We received a call on XX/XX/2021 stating that the refinance did not close and there was an issue with the partial deed of trust and they " didn't know about it '', even though it was on the title report that Wyndham ordered. I was told to forward a copy of the partial deed of trust for review which we did immediately. We then received a call on XX/XX/2021 stating that we could not close the original refinance, but instead now we needed to get an FHA loan instead of a conventional because they couldn't get us approved, which includes starting completely over and now requiring an appraisal ( which costs more money ). We were then told we can refinance with a conventional loan like we were originally approved for if we paid {$12000.00} to get the same interest rate. 
I will never use Wyndham Capital Mortgage again and will always encourage others to never use them. Deceptive lending practices during a pandemic is beyond deplorable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my 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 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I set up automatic payments to my XXXX  XXXX Credit card via Paypal when I first enrolled in XXXX XXXX 's XXXX XXXX XXXX in XX/XX/XXXX. 
Unfortunately, I am on unemployment and have not received an unemployment payment so the XXXX XXXX Credit Card payment set up for recurring payments was declined on XX/XX/XXXX. 
There were no other payment methods authorized for XXXX XXXX 's course via recurring payments so the merchant should have been notified that the transaction was declined. 
Instead, Paypal charged {$360.00} to my personal checking account which I did not authorize. 
I tried to delete my personal checking account as well as all other payment methods from Paypal after this unauthorized transaction was attempted by Paypal. Instead, Paypal paid the merchant themselves and is acting as my bank in requiring me to pay them {$360.00}. 
I am in contact with the merchant but I no longer want to do business with Paypal after this unauthorized transaction was performed. However, Paypal will not allow me to delete my banking information nor my other cards on file. 
Paypal can not hold me hostage to a charge that I did not authorize. I did not authorize a payment to my personal checking account nor for them to make payment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
A fraud account with amounts of {$4400.00} was opened on XXXX XXXX under my name by FAIR COLLECTION AND OUT but actually that was a mistake by the original creditor XXXX XXXX XXXX  XXXX. 
My credit score was decreased from XXXX to XXXX which is a big affect on my credit record. 
My attorney already contacted the original creditor ( sent them an official letter of requesting them to correct this ) to ask them to correct the mistake that they made on XXXX XXXX but the creditor didn't respond yet.

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