vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX  {$0.00} Closed 3 late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed XXXX late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: CO

Complaint narrative:
Hello, I received my pandemic unemployment through US Bank Relicard. I requested a new card due to my card being lost. They sent the card to the address I requested. They then proceeded to place a fraud hold on my account without telling me. They claim it was due to a change in address. I explained I DID NOT change my address, I was out of the state taking care of an ill family member, and that is where I requested the card be sent. 

When I tried to activate my card, I received an error message. I then called the customer service line. They told me I was to send a change of address form to the fax # given, and I explained to them I have nothing to update/change. That is when the real issues began. They then proceeded to ask me for a copy of my license, which I sent four separate times. The fax # given is apparently for their offline team, so there is no way to verify the documents have been received by the appropriate people. They then proceeded top ask me for my taxes, W2s, bank statements, utilitie bill, social security card, and I even sent pictures of me with my actual face in the frame. I have now sent it a total of 4 times, and I have spoken with at least 8 people. 

I have written to the XXXX XXXX XXXX with no luck taking that route. I explained the only thing I can possibly think of for them to even have a system in place to completely leave the consumer completely out to dry, helpless, at dead end, and completely wasting frivolous amounts of time is to keep the funds that are in the locked account for immoral reasons. 

I have tried to ask for a supervisor, and have been told conflicting information with regards to that as well. One women said she was actively walking around their office looking for one, then told me she had to let me go because her supervisor was XXXX she was on the other line for so long, then she proceeded top hang up on me. 

I am at a point now that since day 1 of speaking to someone, which was XX/XX/XXXX, it has been over 15 business days. That is what I was told that even under the most extenuating circumstances would be the max, but I could expect 5 days. I told my land lord that today, XX/XX/XXXX, was the absolute latest I would have our rent to him, and US bank is yet again telling me I have to just wait for them to figure it out for us. 

Thank you again. 

I sincerely appreciate any help or anything you can do to help me navigate this.

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 2020-11-11 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: TX

Complaint narrative:
XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow XXXX  button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XX/XX/XXXXbutton XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX

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 2020-11-11 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: TX

Complaint narrative:
ENHANCED RECOVERY XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XXXX  button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX

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 2020-11-11 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: SC

Complaint narrative:
I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, XXXX, and Equifax are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, Experian, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.

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 2020-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX XXXX Select portfolio servicing provided a payoff statement to XXXX XXXX  of {$250000.00}. Fr debt dispute This is the money I already paid to two other servicers. 

XX/XX/XXXX sps returned the money to the title company. Without a release it was sent back XX/XX/XXXX sos sent the money to XXXX XXXX and XX/XX/XXXX received a check for {$250000.00}. from XXXXi asked them to send my proceeds directly to me Instead of the money I received a state that I now OWE {$240000.00}. 
I do not owe {$240000.00} and I dont have my {$250000.00} proceeds Sps needs to give me {$500000.00} to pay off this loan. XX/XX/XXXX notification that account Is paid in full subject to advances and pending transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow XXXX  button XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XXXX button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: GA

Complaint narrative:
COMPANY CONTINUEN TO VIOLATE " FDCPA & FCBA '' WITH HARRASMENT, THREATS, DEMAND OF PAYMENT ON ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY AND MISTAKE OF IDENTIY DUE TO DECEASE ( XX/XX/2020 XXXX FATHER HAS SAME NAME,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX Chase bank closed my account. I contacted them to fine out why. They told me that something happened on my account and that is the reason they closed it. They told me that they don't have to give me the reason. At that point in time I had {$580.00} in my account. I've made several attempts to get my money back. As of XXXX XXXX they are not going to refund me my money. I still don't know the reason behind this. 

They locked me out of my account so I don't have any documents for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I recently got scammed for a work from home job. I received a {$3300.00} check from XXXX XXXX claimed you work for the XXXX XXXX XXXX and got asked to complete tasks to send money using quick pay. I sent a {$2000.00} and {$500.00} payments to email address XXXX. Then, I realized this was a fraudulent activity. I contacted my bank to let them know that I need to cancel the transactions, but they failed to help me out, saying that the money was already delivered and all they could do is to file a report and does not guarantee my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: CA

Complaint narrative:
I XXXX XXXX XXXX want to file a complaint against XXXX.I am requesting validation that is competent evidence bearing my signature. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this XXXX they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate.United Revenue Corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/20 I was transferring through my Cash App account {$500.00} from my XXXX XXXX account into my own Cash App account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to XXXX requesting a stop on the transfer. XXXX said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete cash app emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through XXXX and am still waiting to hear from a manager. XXXX originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both XXXX and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my XXXX  account or to my cash app account. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
After reviewing my report I found numerous accounts and inquiries listed on my report that I have no knowledge of. These items are 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 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I paid off a Hyundai over 15 months ago, and I have been unable to get Hyundai Finance to release an electronic lien since then, so I can not get the title. I have called Hyundai Finance 9 times, been to the XXXX 4 times ( who have been great, by the way ), and even went to a Hyundai dealership, but still no title. I have received two affadavits from Hyundai Finance showing the loan is paid off in full, but they have been unable to clear the electronic lean after numerous calls.

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 2020-11-11 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: CA

Complaint narrative:
Two capital one accounts are reporting fraudulently to my credit reports. This is due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I submitted a complaint XX/XX/2020 inference to a account with PNC Bank. Complaint # XXXX. 
I was called inference to this account and inturn received a email that said that I could not be reached. 
I had a 20 minute conversation on XX/XX/2020 XXXX XXXX. 
She informed me that she had spoken to the teller and the teller claimed that {$460.00} was never in my account. 
I told her that I had a recorded call saying other wise. I also having a police report with a recorded body cam proving that the funds was infact there. I've had several amounts of money over time missing out of my PNC account also receiving calls of impersonators using bank employee names and having access to my information and account information. This situation has not been resolved. And my account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I sent a dispute letter to XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MS

Complaint narrative:
XXXX, XXXX  and Experian is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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 2020-11-11 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation