vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about 15 minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX   XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by XXXX  that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.

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 2019-12-04 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: IN

Complaint narrative:
Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about XXXX minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX  XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened a new checking account under a promotion to receive {$200.00}. To qualify, I had to open it between XX/XX/XXXX and XX/XX/2019 ( I opened it on XX/XX/XXXX ), make cumulative deposits of at least {$1000.00} within 60 days ( I made two {$2500.00} deposits on XX/XX/XXXX ), and maintain the account for at least 90 days ( the account is still open, and I have made no withdrawals ). This was the first deposit account I have ever opened with Huntington Bank, and the {$5000.00} total that I deposited came from my pre-existing checking account at XXXX XXXX XXXX. 

When I contacted Huntington Bank to inquire about the status of the {$200.00} reward, I was told I did not meet the terms because I used a " cash app '' to deposit the funds into my account, and thus this is considered a " credit, '' and not a deposit. However, the Bonus Addendum does not differentiate between " deposits '' and " credits, '' and simply states that " [ t ] ransfers from another Huntington deposit account do not count as a deposit. '' It makes no other qualifications about what counts as a deposit, and these funds came from my pre-existing XXXX XXXX XXXX  account. Additionally, the Consumer Deposit Account Agreement does not differentiate between deposits and credits, and I would argue that to most consumers, these two terms  essentially mean the same thing. Most importantly, it no where states in the Bonus Addendum that these types of deposits would not be considered deposits for purposes of this promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: CA

Complaint narrative:
I received a bill from NRA Group LLC on XX/XX/XXXX that states " this is an attempt to collect a debt, '' on behalf of XXXX XXXX, which is a pharmacy concern. No identifying information regarding the product purchased is included in the letter, which contains only a reference number, but fails in its duty to disclose the date of purchase, type of purchase, and date of prior statements. 

I never received an invoice for anything from XXXX XXXX. All I received was a threatening bill that amounts to extortion. When I called NRA Group, as their letter instucts, I was told they could give me no information but referred me to XXXX  XXXX  for additional information. 

NRA Group failed in its duty to disclose the basis for the debt. They threaten collections action without providing any pertinent information. While I am told in the letter I can dispute the bill, no information in the letter allows me to identify what it is I am disputing, and calls to them to do so resulted in staff refusing to provide information that would have allowed me to dispute, or even understand, the charge. 

The actions of NRA Group are arbitrary and capricious, and constitute illegal racketeering, insofar as no information was provided either initially or when requested that would allow a reasonable consumer to understand the nature of the financial charges alleged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-12-04 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: FL

Complaint narrative:
My mortgage was sold to another mortgage company. Equifax reduce my credit report by 21 points and refused to investigate and correct this situation after talking to them over the phone. They place the blame on the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2019-12-04 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: IL

Complaint narrative:
I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just learned by XXXX XXXX that I have a new harmful collection data in my Credit Reporting Agencies, and I don't even know that company.

I never received any previous communication from this company. How come they destroy my credit score when I don't even know what's going on.

It should be retrieved from all reports immediately.

I never saw such a thing ; I'm asking myself if It is just discrimination.

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 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I recently ran my credit and come to find that Barclays Bank is claiming that I owe a sum of {$620.00} to an account that is not mine. They are claiming I had used their credit card, made 3 payments and then let the account go into collections. Barclays Bank is claiming I opened this account XX/XX/2019. I have tried to reach Barclays several times, through different numbers found on their website with no luck of being able to talk to an actual person about this matter. This issue can be due to identity theft, mistaken identity, or fraud on Barclays behalf. I have tried to reach out to Barclays to see what bank account these " payments '' were given from, but again, it has been difficult to reach anyone at the bank. I have a perfect history of paying off my accounts, and can show proof of this if needed. I have absolutely no knowledge this account existed and have received absolutely no paper work, letters, e-mails, or phone calls regarding this supposed account. I have disputed on XXXX  concerning this matter, their findings of my dispute has been verified as accurate, which is considered to be completely false.

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 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
On XX/XX/19 a payment through ACH was scheduled today is now XX/XX/19 to my knowledge the mortgage refused said payment my bank provided me with a transmittle form showing the mortgage refused payment stating this fact putting me further behind amd mortgage now states they will not accept anymore payments on my behalf and want to move forward with foreclosure The bank im referencing is Loan Depot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I received charges of {$26.00} on both XX/XX/XXXX XX/XX/XXXX on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I made several earlier complaints against this mortgage servicing company - Seterus Inc ; - my complaint reference # XXXX of XX/XX/XXXX refers. 

With effect from XX/XX/XXXX - Seterus Inc ; transferred my loan servicing to another company - Nationstar Mortgage LLC d/b/a Mr. Cooper. This was done without my agreement, especially as my several complaints against Seterus Inc ; have remained unresolved. 

At the time of transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper - Seterus Inc ; mentioned in 1098 form of XXXX that they paid for my real-estate taxes. I have no escrow, either for real-estate taxes or for hazard insurance. I am wondering how and why Seterus Inc ; paid my real-estate taxes without my knowledge or without being requested by XXXX XXXX Texas officials. 

An action needs to be taken by CFPB against this company, as I have noted from your web-site, millions of complaints have remained unresolved against Seterus Inc ; Kindly provide resolution of my previous complaint # XXXX dated XX/XX/XXXX and resolution of this complaint. 

It is of utmost importance that I receive a response, as Texas Department of Savings & Mortgage Lending ( Texas SML ) is dealing with Nationstar Mortgage LLC d/b/a Mr. Cooper. For your information - Nationstar Mortgage LLC d/b/a Mr. Cooper is also manipulating their records, harassing, and making our life difficult - treating us like criminals, although we have and are making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. On XX/XX/XXXX, I called my bank, Chase, to authorize the transfer. Chase told me it will take 24hrs to process it. 

However, I realized quickly it was a scam and called Chase back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. Chase responded that I missed the cut-off. I explained to them that it was a scam and as an ethical organization, I urged them to do more. They responded that there's nothing they can do at this point. 

I asked then for a wire recall. Chase responded that I needed to wait Monday morning to contact the Wire search team. the fact that I had to wait a whole weekend and give the scammer plenty of time to close his account and disappear is just unacceptable. 

Monday, XX/XX/XXXX, I called the Wire search team at Chase. They told me they will reach out to the other bank involved, XXXX. On XX/XX/XXXX, Chase called me back to tell me that XXXX contacted them to inform Chase that its client is unwilling to give the money back. The fact that this answer was enough for Chase is just once again unacceptable. I provided proofs regarding the scam and Chase was not willing to do anything about it. 

Furthermore, I believe Chase didn't wait for me to authorize the transfer to process it. On XX/XX/XXXX in the morning, I received a message on my phone from Chase telling me they need my authorization in order to process the wire. However, on XX/XX/XXXX in the afternoon, I also received the following email. 

" We have not sent your wire transfer referenced above because of a delay in processing. We will continue processing your request and contact you if we need more information. '' For that reason, I believe Chase was reckless and started processing the wire transfer before I gave my authorization. That's why I believe when I called back two hours after I gave the authorization, Chase had already processed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.

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