vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit 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 2020-07-06 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: OK

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit 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 2020-07-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX  refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.XXXX  XXXX / XXXX XXXX  | XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX | XXXX Balance : {$3400.00} 3.  XXXX XXXX  | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7.  XXXX/XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: GA

Complaint narrative:
I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.CAPITAL ONE / SAKS F  | XXXX Balance : {$3000.00} 2. CAPITAL ONE / NEIMAN | XXXX Balance : {$3400.00} 3. XXXX XXXX | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX/XXXX XXXX XXXX XXXX  | XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, This is my 2nd complaint w/ servicer XXXX. First CFPB complaint # XXXX, made XX/XX/20. In which, I advised on numerous occasions prior before my complaint that I have 6 OPEN student loans w/ XXXX . However 1/3 credit bureaus is reporting the informating incorrectly. Why is it not correct all across the board? Were the ones that it effects, the consumers who try to buy homes. But their credit scores are constantly effected. Im so tired of having to repeat different stories about different companies on my report. Tired of constantly trying to fix it alone, Ive been forced to get help from an attorney.As of today, XX/XX/20, Transunion is still reporting 4/6 of my XXXX accounts as CLOSED. 

The letter received from XXXX, in regards to my credit dispute? They didnt investigate anything, just like before, they just print out my loans & send them. I can do that. They have not CORRECTED ANYTHING W/ TRANSUNION specifically. Make it match w/ all three bureaus. Do not just throw the word investigate around & not do the job regarding handling someones acct. These accts affect our lives. Im tired of trying to correct this issue. ALL DOCUMENTS ARE ATTACHED FROM XXXX & TRANSUNION. 

Im almost certain this will not be corrected this time either. This is my SECOND complaint w/ CFPB, gazillionth w/ XXXX & Transunion 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 non-monetary relief
Consumer complaint received 2020-07-06 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: OK

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: OK

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit 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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Applying for a grant and PNC will not allow access to deposit money into my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. XXXX XXXX XXXX XXXX XXXX was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a Wells Fargo checking account as part of a promotion to earn a {$400.00} bonus. I set up part of my salary to be direct deposited to the account each month. I used this part of my salary to pay my rent as recently as XX/XX/XXXX. Because of COVID, my girlfriend lost her job, so I began transferring money out of the Wells Fargo account to my XXXX account that I share with my girlfriend so she could use the funds for expenses. Last week, I logged into my Wells Fargo account to check if I was paid, and the account was closed. I had, and still have not, received any communication at all about my account being closed. I have not received a single email, letter, or phone call. Because my account was closed without notice, I went past due on my rent because the account was not open to receive the deposit of my paycheck. When I called, the representative that I spoke with agreed with me and did not think it was right that my account was closed. He said the reason was no customer initiated activity in the last 60 to 180 days, but again, I had recently paid my rent on XX/XX/XXXX which he acknowledged. Wells Fargo closed my account for a bogus reason as a bait and switch to avoid paying out the promised bonus.

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 2020-07-06 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 AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, EQUIFAX AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
After waitng on my much needed unemployment money i called way2go card and informed them i wanted a change of address and a new card since i moved last year. We went through all steps she confirmed my new address and my card was on its way to me with my money on it.But thats not what happend the agent poorly didnt save my new address and sent it to wrong address where someone was able to use my card and take my money leaving me more stressed and behind bills..I became aware only because i paid XXXX for expedite shipping which was 2 days when a week went by i was concerned and called way2go finding out someone used the card and that they sent it to wrong address.i followed all protocol with paperwork even after calling day by day being on hold for hrs to be disrespected by agents and them not helping me in anyway.Evenn after admitting it was there fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Global Portfolio Recovery, LLC
State: CA

Complaint narrative:
On XX/XX/2020 i called portfolio recovery to negotiate a payoff for a XXXX $ delinquent balance on my credit report. we agreed that i would pay XXXX $ and my account balance would be XXXX $ and the delinquent item would be removed from my report. i recently checked my credit report and portfolio only subtracted XXXX $ from the balance leaving me with a XXXX $ balance on my credit report still. that was not the agreement we had.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, I applied for a credit card in XXXX 's XXXX. The sales rep incorrectly inputed my social security number, which caused me be declined for the credit card due to myself being " deceased '' ; therefore creating an unnecessary and incorrect hard inquiry onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I refianced my house with my mortgage company, Mr. Cooper/Nationstar to take advantage of a lower interest rate. Several weeks after closing, I was sent a check on XX/XX/2020, for XXXX. I deposited the check and several days later I noticed, on my bank statement, that the check was stopped and I was fined {$10.00} from my bank for a stopped check. I called Mr. Cooper and spoke to XXXX XXXX ( phone number XXXX ), who seemed as perplexed as I was, that XXXX ) I was mailed a check with no explanation and 2 ) why it would be stopped without explanation from Mr. Cooper. She promised she would find answers and said, at the very least would refund me the {$10.00} fee. After reviewing my account, while I waited on the phone, she was unable to provide any answers. She said she would look into it further and return my call the following week. As of Wednesday the following week, she hadn't called back so I called her and XXXX told me the check was an error and the money went to closing costs. Considering I already paid {$15000.00} in closing costs, I find this difficult to believe so I requested a detailed explanation as to how this error could occur. She said she would have someone, who was more knowledegable in this area, return my call within 48 hours. No one called. I then called XXXX again on XX/XX/XXXX, got hung up on and when I called back, got her voicemail saying it is not accepting messages. So I then went through the whole process again to get answers and spoke with XXXX ( phone number XXXX ). She too, said someone would call me with an explanation within 48 hours and no one did. My last attempt was when I called XXXX on Friday, XX/XX/XXXX and left a message requesting a return call. As of today, XX/XX/XXXX, she has not. I am frustrated that no one can articulate to me why and how this happened with documented evidence. I have been getting the run around from employess for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I contacted Morgan Stanley in XXXX to apply for a 3-month forbearance on my loan # XXXX and they were able to apply a 3-month forbearance on my account. Upon further follow-up on XX/XX/XXXX, I was told that they would provide me with an additional 6-month forbearance so that I would not have a payment due until XX/XX/2021. Unfortunately, the representative gave me the wrong information and actually did not even process the second forbearance request. I followed up on XX/XX/XXXX and was told that the previous representative had misinformed me and that they were only doing an additional 3-month extension. In addition, I was sent a letter that my original forbearance plan had been canceled on XX/XX/XXXX, which was not initiated by me. I wanted an extension not a cancellation. I agreed that I would like to have the additional 3-months applied at that time as they did not give me a 6-month option ; however, it is now XX/XX/XXXX and I still have not received confirmation that the 3-month forbearance extension was applied. I keep receiving notices that I have " DEFAULTED '' on my mortgage obligations but I was told by several Morgan Stanley Home Loan representatives that the non-payments would not be reported on my credit report. I am concerned that Morgan Stanley has reported a default and/or late payment to the credit reporting agencies when they specifically told me they would not be reporting these as late payments and/or any derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Could not connect PNC account with XXXX. Error message showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 while I attended a play, money was withdrawn from my checking account by an unknown person without my knowledge or consent. I was alerted that it was happening when I tried to use my debit card to purchase tea after the play and my card was declined. I checked my account through the banking app and saw withdrawls of around {$800.00}, {$1100.00}, and {$900.00}. I immediately looked up the nearest bank location and physically ran to see a banker and stop what was happening. While I was explaining what happened to the banker, another withdrawl was made from that account at the teller window XXXX the money from that transaction has been returned to me ). I was later told by another banker that my debit card had been duplicated to make the ATM withdrawals, and that because the person used my pin number, the bank was declining to return the money stolen in those transations, and that I they were " ending the relationship '' with me as their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: GA

Complaint narrative:
INACCURACIES DATES BANK STATEMENTS TRANSACTION ALLEGEDLY SUSPICIOUS TRANSACTIONS OF FRAUD-CYBER CRIMES XX/XX/2020 XXXX ITEMS XXXX T-SHIRTS/TANK TOPS TAMPERING WITH BANK STATEMENTS DATABASE BREACHES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later Honda contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. Honda never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, Honda has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked Honda to fix this and filed disputes with the credit agencies to no avail. All Honda does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report

Company response to consumer: Closed with explanation