vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: NC

Complaint narrative:
There are many many accounts on my credit report with XXXX, XXXX, transunion that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.

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 2019-11-06 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: NC

Complaint narrative:
There are many many accounts on my credit report with equifax, XXXX, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 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: IN

Complaint narrative:
I am a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.

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 2019-11-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

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 2019-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My husband called company, PHH Mortgage, on XX/XX/2019 to get payoff amount & paperwork to take the lien off of our home through the home equity line. That person said they would mail all the paper work & such within the next week. In the meantime, we received our regular monthly bill which had our pay off amount listed @ {$600.00}. I paid them {$600.00} on XX/XX/2019. For some unknown reason that payment was placed in " suspension '' for 1 month. On XX/XX/2019, I spoke with XXXX who stated she would take care of the problem & she did not know why the payment was placed in suspension. On XX/XX/2019, my husband spoke to XXXX, who said paperwork releasing the lien & signing off the loan had been faxed to us. However we do not have a fax so we know that was impossible. We told XXXX the payoff date would be no later than XX/XX/19. On XX/XX/2019, my husband spoke to XXXX for 20 minutes & got no resolution so he was transferred to a manager,  XXXX, who said he would investigate & call my husband XX/XX/19. Never called. In the meantime, we " accrued '' an additional {$3.00} in " finance charges ''. I have NEVER had to work so hard to give a finance company money!! From XX/XX/XXXX until XX/XX/XXXX, & we still haven't received lien release or confirmation of additional {$3.00} we paid due to their delay!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: IN

Complaint narrative:
I am a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.

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 2019-11-06 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: IN

Complaint narrative:
I am a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Veros Credit, LLC
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Recently retired from the XXXX, my wife who was looking for a job was scammed for XXXX dollars. We called USAA and they told us its our fault so we have to pay. i was unhappy with the answer but immediately paid XXXX to the bank. I then set the account aside so i can make small payments on it. I had another account for bills, i was paid my retirement check and work check totalling about XXXX. This was to go immediately to rent and vehicle payments, but on XX/XX/XXXX USAA, without an email or letter decided to take ALL of my money and paid off that debt leaving me with XXXX dollars. It has been a week and i have no money no bills paid and struggling with my mental health. they have put me in severe hardship. When i called them they told me there is nothing they can do and it can not be reversed. I just want my bill money back so my family and i can survive and buy food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: United PanAm Financial Corp.
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: AL

Complaint narrative:
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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I just got a call from a guy who first asked me to confirm my name, then said he was with a company that handles " business issues. '' He was speaking in a thick XXXX accent. He then proceeded to try to get me to confirm my address, which I wouldn't do. I told him he needed to tell me who he is with and to state the purpose of his call. He stuttered a bit. I started counting down from 10. He never told me a company name. I then hung up. I then called the number back and the name of the company is XXXX XXXX XXXX. Another guy answered with a thick XXXX accent. I asked him what their company does. He asked for my name. I wouldn't give it. He said he can't tell me anything about their company without my name. I told him that their business has a very poor approach to contacting customers and that I think I'll report them then hung up. Now that I've checked on the company, it seems many people have received similar calls and it's apparently a scam. It seems they claim to be a debt collector and once they get your financial info, you're toast. The number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: CIG FINANCIAL LLC
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NATIONWIDE ACCEPTANCE LLC
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

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 2019-11-06 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: Open Dealer Exchange, LLC
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

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 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
American Honda Finance has reported an item to my report in XX/XX/XXXX. 
That item is due to be removed in XX/XX/XXXX. 

American Honda Finance has reported this item again ... just listed as a different amount and status. This account is considered a continuation of the original debt. 
It is a violation of law for any financial institution or finance company to report old, past due amounts as they are new again when debts are sold or charged off. 

I will look into the legalities of this and what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There was an amount of XXXX from XXXX XXXX that was previously reported as delinquent. I straightened the matter out with XXXX XXXX. It was corrected with XXXX, but Equifax erroneously reports late payments on this XXXX XXXX account # XXXX. These payments were accurately reported as on time to XXXX   and now Equifax needs to be corrected. This has resulted in a very low credit score with Equifax ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called Equifax, the were unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TN

Complaint narrative:
Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.

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 2019-11-06 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: TN

Complaint narrative:
Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TN

Complaint narrative:
Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.

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 2019-11-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV

Complaint narrative:
I never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Bank corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against Ally Bank and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the Ally Bank 's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my XXXX Credit report and as you can see, Ally first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and Ally 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current

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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
You all are reporting a debt on my credit report that I have paid directly with XXXX XXXX XXXX/XXXX. I do not owe them anything. I paid them in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Early XX/XX/XXXX, I got the mail notification from Citi Bank to close my saving and checking accounts because of several transactions. 


Actually, at that time I just bought a house and got a loan. So I paid {$9900.00} ( the  max daily allowance for early-payment ) to the loan bank several times in XX/XX/XXXX to access my loan payment. 


I explained this reason by phone multiple times. Then went to XXXX XXXX Citi bank and talked with some officer directly with related documents and evidences. She tried to help me to reach the particular department several days. I also confirmed from her that I could still use all credit cards and the mail was only about saving & checking accounts.

But unfortunately my saving & checking accounts were closed in XX/XX/XXXX, and to my big surprise, all my Citi credit cards were closed without any notification ahead. All rewards disappeared and not able to cash out.

I am a loyalty Citi customer since XX/XX/XXXX with several credit cards ( as my primary cards ). I feel so sad on this decision even without notifying me ahead. In XX/XX/XXXX I tried to apply a citi credit card and got rejected. 


I just wonder if I can get my rewards back as money. Just in one card -- double cash, I still had {$300.00} not collected rewards. Would you please help get back my lost from all credit cards?

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 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
STATEBRIDGE MORTGAGE COMPANY transferred mortgage servicing without notice to property owner. Made payment online for over 1 year. As of XX/XX/2019 No payment can be made online at : https : //www.statebridgecompany.com/XXXX Confirmed mailing address with STATEBRIDGE MORTGAGE COMPANY XX/XX/2019 via phone.

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 2019-11-06 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
There was an amount of XXXX from Wells Fargo that was previously reported as delinquent. I straightened the matter out with Wells Fargo. It was corrected with XXXX, but XXXX erroneously reports late payments on this Wells Fargo account # XXXX. These payments were accurately reported as on time to XXXX   and now XXXX needs to be corrected. This has resulted in a very low credit score with XXXX ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called XXXX, the were unable to help me.

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 2019-11-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX  corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against XXXX XXXX and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the XXXX XXXX  's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my Equifax Credit report and as you can see, XXXX first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and XXXX 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have had several CashApp transaction where I have not received the transferred money in my account. All three transactions were instant cash outs. I have reached out to CashApp several times. I have only gotten one response where they offered to refund the fee for the instant cash out for one transaction, {$30.00}. There has been no action that I am aware of to put the missing money in my account. The transaction details are below. 

XX/XX/19 {$200.00} XX/XX/19 {$1500.00} XX/XX/19 {$500.00} Total of {$2200.00} Customer service with CashApp is nonexistent. I need a speedy resolution as I am on a fixed income and I am now in jeopardy of losing my home. I feel that I have done everything that I can do to resolve this on my own.

Company response to consumer: Closed with explanation