vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, I currently have a credit card with TD Bank, for XXXX. I normally buy a phone every 2 years and use this credit card. Well the last time I purchased a phone, when I went to put in my information it asked for all my personal information. So I called XXXX and they told XXXX was fine and my account information would be " linked '' to my current account. So this time when I tried to purchase my new phone, I filled out the information and then was alerted that my credit was run. This is now a hard inquiry on my credit report and now have 2 accounts with the company. I called the company, and was told I applied for credit. I explained the previous experience and how I didn't understand how I would have two accounts from same company. The representative couldn't explain and said they can close the new account and see if I'm eligible to raise the existing accounts credit limit. I was given no other option, I'm at a lost for words how this can happen. I was upset and asked how does this happen and the representative basically didn't want to get into the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my XXXX credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-25 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been contacting Equifax for several months requesting my credit report so that XXXX XXXX XXXX can work with me on repairing my credit, I signed up for XXXX XXXX XXXX in XXXX of XXXX and they were unable to get my credit report from Equifax, even still to this day XX/XX/XXXX I am unable to access that report. XXXX is not able to pull that report from them either. I sent a written letter with copies of my identification and social security card to them to verify my identity per their request around XX/XX/XXXX and I am still unable to get access to my report, they told me it would take 3-5 business days originally to process, after speaking to a representative at Equifax today XX/XX/XXXX she informed me that no documents had been received yet and it takes 7-10 business days to receive as well as 7-10 business days to process. I am not sure how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC
State: CT

Complaint narrative:
GreenSky Finance Company is knowingly trying to collect on a loan that is the result of identity theft committed against me. My wife applied for a home improvement loan and was turned down. Her maiden name is XXXX or the same last name used when my good credit and Social Security number was used for obtain a loan fraudulently. I don't know the specifics but what is absolutely 100 % true is that a loan was done with my social security number without my permission and without my knowledge. Due to the fact that my name or XXXX XXXX is unusual either the finance company or the sales person used my wife 's maiden name so that the identity theft would not become apparent to myself or others for as long as possible or never at all. I've enclosed the letter that was sent to me after the finance company was given my a police report and information about how 4 counts of identity theft was committed against me in the last 2 years ( as I proved to them ). I told them that threatening to ruin my credit if I didn't pay an identity theft loan was legal extortion or putting a XXXX to my head and making me pay on an identity theft loan earlier today or on XXXX, there response was to text me and threaten to ruin my credit!! They used information I gave to them about how my financial future depends on good credit and about having a family to feed and XXXX wife and they used it against me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.

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 2021-03-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.

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 2021-03-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I initiated a dispute with Experian. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX  it was instantly removed but after repeated attempts with Experian and XXXX  no change has been made. This was a joint account with my spouse and was removed last year from her XXXX  and XXXX  but not Experian.

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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
PLAZA HOME MORTGAGE, INC Property Value {$370000.00} ( Condo ) RE : Request for review of Escrow Analysis. 

Exhibit 1 ( attached ) - Erroneous Escrow Analysis In this analysis, they are charging us with {$14000.00} as the county tax considering that XXXX XXXX is sending us copies of our annual property tax bill of {$3300.00}. Upon checking on our escrow account, we found out that they are also charging us for XXXX XXXX XXXX ( Exhibit 2 ) with different owner. Our property is in XXXX XXXX XXXX. 

Upon the receipt of the said escrow analysis, we immediately contacted them ( XXXX XXXX ) for a review of the analysis via emails and letters. 

We received an email from them telling us the process will take 10-15 days. 

It's been going on already for more than one month already not mentioning the calls to their customer service every week asking for update but sad to say as of this date there is still no update. 

Because of this, originally we are paying monthly mortgage amount of {$2000.00} and now they are charging us {$3500.00} monthly mortgage starting XX/XX/XXXX because of this erroneous XXXX tax. 

Since we dispute their tax calculation we paid only the usual monthly mortgage amount of {$2000.00} while waiting for their review. 

Not only that, they send us XXXX mortgage statement amounting to {$7100.00} and stating that we are already delinquent. 

This did not happen if only they acted upon this matter immediately. 

This bothers us emotionally and psychologically thinking that this will ruin also our credit score and we are not prepared financially. 

Hope with your help we will get a response to our request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact XXXX XXXX ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the XXXX XXXX  financed for me in XXXX of 2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the XXXX XXXX  said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and XXXX XXXX  trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XXXX i seen some accounts on my credit report from a company called CMRE account number XXXX and XXXX and noticed that those these 2 accounts did not look familiar to me so i contacted XXXX  and XXXX  and they removed the accounts. I look at my credit again and the same accounts are appearing once again. These 2 accounts are fraudulent and need to be removed from my credit immediately. i do not owe no medical bills i have not been to any doctor in XX/XX/2020. Please see attached Identity theft victims complaint Affidavit and California drivers license to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

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 2021-03-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my XXXX health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: IL

Complaint narrative:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
For the past 15 months XXXX XXXX has been aiding and abetting Google in the theft of my money. 

Every month I receive a {$1.00} charge, but no one will tell me what it is for. I have contacted Google and they will not stop charging me. They refuse to provide a receipt or even tell me what the charge is for. 

XXXX XXXX will not stop the merchant from charging my card. I have gone as far as getting a new card with a new number, but XXXX is giving this information to Google and the charges have somehow continued on the new card number. 

So far I have contacted : XXXX XXXX City Police XXXX Google XXXX Bank Congressman XXXX XXXX ... and others and yet no one has helped me. 

I will give credit to XXXX XXXX ' office, as that person said they reached out to Google, but Google is not responding to them. 

I have spoken to over 20 different reps at Google and no one will help me. I have contacted Citi and they told me there is nothing they can do and that I need to resolve it with the merchant. 

I feel completely helpless and taken advantage of as this has gone on for over a year and I do not know what else I can do. 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NV

Complaint narrative:
I asked Equifax to block information related to ID Theft. I supplied the police reports and the information needed to do this. They replied that " We have verified the information belongs to you ''. I asked Equifax for how they did this. They stated " Well the creditor stated it was your account ''. I told them it was not and had the police report. They then stated " We just do what the creditors tell us. They state it is yours then we report it. If you disagree then take it up with the creditor not us, we just report the information ''. At this point they refuse to do anything further. This is the from my dispute on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my equifax credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX , va XXXX XXXX XXXX XXXX XXXX , ny XXXX XXXX XXXX , ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-25 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
According to the regulations of the Covid-19 forbearance program, no late payments are to be reported to a credit bureau during the forbearance era. I wasn't late on this account. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the 44 inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX XXXX XXXX, TX XXXXXX/XX/XXXXVISA XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXXOH XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX TRANSUNION CONSUMER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX VISA TRANSACTION SERVICES XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXXXX/XX/XXXX XXXX XXXX HIGHWAY XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAPITAL XXXX XXXX CAPITAL XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate late payments showing on XXXX XXXX card/aafes/XXXX 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