vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXX-the address they listed is a public college dormitory that belonged to XXXX XXXX University and was sold to XXXX  XXXX University at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I applied for a mortgage loan modification in XXXX or XX/XX/XXXX. I submitted documents and went back and forth with relationship manager XXXX for several weeks. I finally submitted everything as requested and was approved for a trial payment period. I paid all three of the payments ( XXXX, XXXX and XXXX ) and continued to pay the {$950.00} payments past the trial while waiting for the final modification documents. I call in to make the payments when I pay. I called in and made a 4th payment on XX/XX/XXXX. I called on XX/XX/XXXX to inform them that I would be making the payment for XXXX if not the week of the XXXX, I would make in on XX/XX/XXXX and I also asked about final documents for loan modification. She said I should be receiving them soon. I called today to make the payment and I was told that the payment was {$970.00} instead of {$950.00} I said ok, I would pay that amount, but I need to speak to someone regarding the final modification papers. She transferred me to someone and I was told that my modification had been cancelled because I did not submit a copy of my marriage certificate that was requested on XX/XX/XXXX. I told her I never received a letter and no one called to inform me that it was needed. I called in to make a payment on XX/XX/XXXX and no one asked about the document. My relationship manager had not reached out to me regarding the document or anything else. I was told it was sent to my bankruptcy attorney. I reached out to him and he said that he has not received any letter from them, if he had he would had sent it to me. Now I have been asked to start this process over and I don't think that it is fair because someone dropped the ball. The representative at US Bank Home Mortgage goes on to say maybe the lack of communication was related to COVID19 and not having many people at work. Well that's not my problem because I am essential worker and I go to work everyday. I have done my part to in this agreement to pay my mortgage throughout this plan and I thought that was the purpose of an INDIVIDUAL RELATIONSHIP MANAGER to make sure the communication goes smoothly. But there has been no communication and I somehow have to pay for the mistake. NOT FAIR. They called me to let me know about documents needed before, so why did they not call to tell me needed this one?

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 2020-07-31 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 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. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Chevron and Texaco Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-07-31 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: NJ

Complaint narrative:
Theres inaccurate accounts and personal info on 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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MS

Complaint narrative:
i notice a negative item on my credit report from ENHANCE RECOVERY COMPANY for an alleged amount of XXXX $ that i do not owe, so i sent them a letter on XX/XX/2020 with all the information that i requested from them concerning this and i have attached a copy of the letter below asking for the removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX XXXX My phone number is 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 2020-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our bank account has been hacked and we need help. 
We received a call from someone claiming to be Amazon Representative on approximately one oclock On XX/XX/XXXX. 

The caller spoke with my husband ( XXXX XXXX ) in length. The caller said they have made a mistake on our Amazon and accidently deposited to our checking account {$15000.00} in Chase Bank. 

While XXXX XXXX is online the caller convinced him to send the wife to the bank to verify the mistake and send the money to a given account number in XXXX XXXX XXXX. 

This is the information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX He said if we do not do this at once he would lose his job, he would be fired if his boss finds the mistake. 
We went to our Chase bank in XXXX XXXX, CA and checked with teller and asked her to send the money to him. At that point I asked the banker, could this stranger access our other accounts in case he is a dishonest person? I was told NO, the only way he could access our account would be with court order. 
On XX/XX/XXXX, received my bank statement ( the second account ), realized that {$15000.00} was transferred from my saving to checking and this was done by the fraudster. It was our money not his mistake. The next day we went to our Chase bank. Explained the hacking. Bank reported this to their FRAUD department. 
On XX/XX/XXXX we filed a Police Report with XXXX County Sherriff Department. 
Case # XXXX XXXX XXXX. 
We have not heard back. We are requesting that Chase bank take responsibility and recover our money. 
Our daytime phone # is XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( JCPenney Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Synchrony Home ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-07-31 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 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. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}

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 2020-07-31 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 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. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}

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 2020-07-31 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 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. Please remove these items from my report. CHAPTE XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can't link my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( PayPal Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
i notice an negative item from AD ASTRA INC ON MY CREDIT REPORT ON XX/XX/2020, IN-WHICH I HAVE NO DEALING WITH AND HAS AN ALLEGED DEBT FOR XXXX $ THAT IS INACCURATE AND SHOULD BE DELETED.I HAVE A COPY OF THE ATTACHED LETTER BELOW OF WHAT I REQUIRE IN RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I started an application on XX/XX/2020 with Navy Federal Credit Union for a loan of {$42000.00} ; however before I completed the application I was having second thoughts so I saved the application unfinished to make sure that was what I wanted to do. I stopped at the funding amount on the application. A couple of days later, I gor an alert from XXXX that Navy Federal pulled my credit through XXXX. I immediately called Navy Federal and asked why they pulled my credit on an incomplete application that wasn't even signed or dated to give them permission to pull my credit. They clsim I completed the application to the point where they could pull my credit. I advised them Inwork in banking and know how credit applications work. They have refused tonremove this inquiry from my credit report which has lowered my credit score. They are practicing predatory consumer practices and I am seeking legal recourse hopefully with thr help of you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried to withdraw XXXX $ from capital one bank ATM. Screen went blank, read GENERAL ERROR, returned my card, and stayed offline. Branch informed me that ATM withdrew the XXXX $ from my account. I never received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Sam 's Club Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive or my failure to make payments as agreed.

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 2020-07-31 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 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. Please remove these items from my report. CHAPTE XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX   XXXX {$670.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX XXXXXXXX {$440.00}

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 2020-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE
State: MI

Complaint narrative:
I have requested several times by email to XXXX XXXX and phone with XXXX XXXX that the FHA case and appraisal is cancelled for XXXX XXXX ; XXXX, MI. The lender has failed to submit the cancellation form to HUD or provide me confirmation that my request has been submitted. I have no intention on working with this RUOFF Mortgage or using any appraisal that they got as it pertains to the loan application and I just want my case / application cancelled at my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My account was charged with three transactions I did not authorized. The first transaction was on XX/XX/2020 for the amount of {$3400.00}. The other transaction was made on the XX/XX/2020 and was for the amount of {$6200.00}. The other transaction was on the XX/XX/2020 for the amount of {$2900.00}. The bank is saying this is my fault because I shared my XXXX XXXX information I did not share my log in or password information for XXXX XXXX or my bank. The only information that is public is my XXXX XXXX name that is used to receive money. I did not shared my routing or account number I dont know how was possible to make this transaction. I need help. I have filed a police report and also an identity theft 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 2020-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: MS

Complaint narrative:
i look at my credit report and seen moneylion of XXXX XXXX  trying to collect an alleged and inaccurate debt of XXXX that i do not owe.and i have attached of the letter that i sent requiring the information.

Company response to consumer: Closed with explanation