vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: DISCOVER BANK
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Target card services has been reported on my credit report since 2018 ( I think ). I never opened the account that I am aware off. I spoke to XXXX  who advised me to send target card services a handwritten letter ( which I did ) I asked for a copy of the contract and statements leading up to the balance owed. I have yet to receive this and they continue to negatively impact my credit. I spoke to Target card services a few times and they stated they received my hand written letter and are investigating the account. When I called this morning Target claims they dont see my hand written letter of dispute. I want this off my credit report until I receive validation of this account ( specifically a copy of the contract and statements )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: NC

Complaint narrative:
XX/XX/2021 - I received a telephone call from a blocked number while at work. The message said that it was the Thomas debt collection company and that they have business with me. 

When I returned their call, I asked what debt they were calling about. To my knowledge, I do not have any outstanding debt. They refused to tell me who the debt was owed to or what it was owed for and requested a portion of SSN. I am not willing to give, even a portion, of my SSN to an unknown company. 

I asked why I have not received written notification of the debt or written notice of an attempt to collect. I asked to verify the address on the account. They would not verify it with me.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
purchaser sofa, very uncomfortable, like to ex for other comfortable sofa as per federal law on purchase with cr card

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 2021-07-09 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: Lending Club Corp
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. BK OF MO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: AL

Complaint narrative:
Please delete all inaccuracies and double accounts and send an updated report to my address

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 2021-07-09 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: AL

Complaint narrative:
Please delete all inaccuracies and double accounts and send an updated report to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/21 XX/XX/21 money has been stolen from my cash app card, cash app support has sent me one or two responses and then stopped, I need my money back ASAP, I worked hard for that and now my account is left on XXXX for the second time not by my doing, one purchase for {$76.00} one for {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Account Name : PROG MGT SYS Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Credit Control Corp for XXXX XXXX XXXX XXXX in the amount of {$660.00} dated XX/XX/XXXX and {$220.00} dated XX/XX/XXXX. I disputed these items with all three credit bureaus on XX/XX/XXXX and the dispute was returned updated. 

This is a medical debt that I am not aware of from XXXX XXXX XXXX  XXXX. I am allowed under the HIPPA law to protect my privacy and medical records from third parties. I did not give XXXX XXXX XXXX  XXXX permission to release my medical information to a third party. However, the requested copies of my wet signature for the debt and release of my medical information was not received for the update of this account. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I just recently found out that someone in XXXX, GA has used my name for a loan. I remembered the other day that my mom has some type of bank account in my name. She's had it for a while now. And she stays in XXXX, GA. My phone didn't tell me the exact amount the loan was. It just told me that I have a loan in my name. But the bank account that my mom has in my name, I haven't been able to use any type of money that's been in that account, at all. I only found out about the bank account because I went to the mailbox one day and just so happened to see the piece of mail with my name on it. I wasn't told anything by my mother. Not once.

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 2021-07-09 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal placed a limitation on my account after linking my bank account and credit cards. They are requiring a photo ID to lift the limitation. I do not feel comfortable sharing my ID with Paypal, so I requested that they close my account. 

They refused to close the account unless I submit a photo ID. So I'm back where I started. 

I'm unable to remove my bank account or credit cards from the account. I'm told that because of the limitation Paypal considers the account closed, however, anyone is able to mistakenly send money to the account. I've attached a screenshot of the activity still allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
After applying for credit I received a copy of my Equifax credit report, I noticed that there were several of my positive credit tradelines were missing from my file and not reporting through my credit monitoring services. I contacted Equifax via phone agent stated that the accounts were there and it was an issue with the credit monitoring service even though I explained the accounts were not appearing on the credit report from my lender either. I wrote Equifax with my disputes/updates and included a copy of my drivers license and a utility bill, I didn't receive a return correspondence. My Equifax credit score dropped more than 30 points per my credit monitoring service showing a few of my active, good standing accounts were closed. I tried to log into myequifax.com, my attempts were unsuccessful. I called Equifax on XXXX and tried to use the automated system, the system could not verify me. I spoke to an agent, she stated that I do not have a credit file with Equifax. Although, I updated my married name and address a yea ago, I still asked her to search my maiden name and previous address, she said she still could not find a credit profile in my name. I explained to here I am looking at my file on my credit monitoring service that updated as recent as today, she said apologized and failed to offer me any type of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX an electronic payment was made to Nationstar Mortgage ( aka Mr. Cooper ) from XXXX XXXX via Bill Payer. This payment was accidently made to a paid off mortgage ( loan number XXXX ) via a Bill Payer app. The loan was fully paid off in XXXX of 2020 however the electronic payment method was still available in my banking Bill Payer app which is how the mistake was made. 

Since that errant payment was made to Mr. Cooper several attempts have been made to return the funds back to my XXXX checking account working with the Research Department at Mr. Cooper. The first case with Mr. Cooper was opened on XX/XX/XXXX ( case # XXXX ). In working with Mr. Cooper I was asked to provide proof of payment and a 30 day transaction log with XXXX letterhead from my checking account. All of this was provided to Mr. Cooper promptly. In addition a case was opened with XXXX ( via Bill Payer ) to verify the payment was successfully transferred from XXXX account via Bill Payer ( Bill Payer Case number is XXXX ). During a 3-way call with Mr. Cooper and Bill Payer, the proof of the transaction including transaction numbers and partial account number which matched my account was provided to Mr. Cooper. Yet, Mr. Cooper stated they have no record of the transaction even though proof of a successful transaction was provided. In fact, proof of the successful transaction was provided about 4 times on multiple calls. At this time there is still no resolution to return the funds ( {$1700.00} ) to my account. 

Representatives I worked with at Mr. Cooper were : XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX In summary there is no resolution. Mr. Cooper has not provided any proof that the payment was returned back into my account only that they said they did not receive it. However the {$1700.00} was deducted from my account and proof that the transaction as stated earlier was successfully received. 

Please assist with getting this resolved as it is a very impactful amount of money to our family. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
TOTALLY unacceptable. They did not get that I am the ping pong ball between them and XXXX. XXXX tells me its Goldman and Goldman says its XXXX one knows or wants to address this issue! Seriously, they are tell me to back into the rabbit hole that initiated this complaint. Their response is as simple as calling their customer service. Seriously these are supposed to be educated people and that was the best they could do??????? oh, lets me look up the account.hmmmm, I dont see XXXX XXXX name on the account,,, ,were good???????? Ridiculous. I will not relent until I get an intelligent explanation. Goldman Sacks and XXXX have a partnership in this matter and I need one smart person from either mega institutions to figure it out. 

1st Complaint ID- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

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 2021-07-09 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: NC

Complaint narrative:
XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

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