vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: KS

Complaint narrative:
I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX These inquires where not made by myself! They are fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a pre-approved credit card offer and got approved for $ XXXX credit limit. As of today I have never been sent the card although Ive spoken to several people at FirstTech Federal Credit Union who have confirmed my approval. Furthermore, Ive been the victim of abusive behavior by their representatives who, instead of helping me find out about my card, processed more applications without my consent for other products. This happened when I called XX/XX/XXXX and XX/XX/XXXX. Multiple applications were processed : XXXX, XXXX, XXXX, all I wanted ( still waiting for ) is the card they approved me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
We recently refinanced our home with our local Bank XX/XX/XXXX XXXX. They sold our note to AmeriHome Mortgage, XXXX. XXXX XXXX, XXXX, NJ XXXX. 

I have repeatedly tried to get logged into my account to make payments and set up auto pay and have yet to be able to do so. Part of the problem is that there is conflicting information as to who is actually receiving the payments. There is some association with a company named XXXX and there are two different websites that are very confusing. Every time I try to enter or register the sites say they can't find our information. I have had to call and sit on hold during my work hours for extended periods of time and still haven't had my problem resolved. I end up making a payment by phone, which usually involves additional fees, but when I complain profusely they waive the phone fee. I want to get this account set up on auto pay, because I don't want to incur late fees or miss a payment and it seems like the company is doing nothing to fix the problems so that I can get this done. 

I would like the mortgage holder to give me a clear explanation of who actually holds the note, and get my account set up to be paid online without confusion as to who is receiving the payments. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: PA

Complaint narrative:
I was selling a vehicle The person I was selling the vehicle only had funds through unemployment cards or one unemployment card and a debit card so we couldn't transfer all the money at one time so her friend had the bright idea to open a square account square is like a business account when you have a business and you sell stuff so I did that all the money transferred into my account and then I got a call that evening saying that they needed certain information because it seemed fraudulent because it was such a big transaction while I was sitting in my bank with this girl personally so they said they needed all my transaction history in my bank history and all this other stuff so I ended up getting it but by then it was too late and they said they deactivated my account which I still was able to get on there and see that the money was there but it did not go into my bank so they said they were putting a 90-day hold on it Well 90 days was XXXX then I ended up getting two more emails one saying that my hold was over and my money would be transferred into my bank which never happened then I got a second email saying that they still were not doing business with me so I don't know how to take that and I have all the emails and all that good stuff hopefully it's still here but I am still waiting I keep checking my bank account every day which this is tearing me up cuz I was going to pay off some bills That's why I sold the vehicle this is so crazy if I could get any kind of help because I've tried calling a million times they have no customer service I've been hung up on twice I don't know how I got through but there is a number somewhere if anybody could help me this would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: PA

Complaint narrative:
On XX/XX/2020 I received an inquiry from Capital One which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest capital one bank. 

I also got 2 inquiries on the same week from XXXX XXXX. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 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: KS

Complaint narrative:
I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires where not made by myself! They are fraud!

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 2021-01-03 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: KS

Complaint narrative:
I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX These inquires where not made by myself! They are fraud!

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 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal is somehow connected to synchrony bank.

Whenever a paypal transaction is made it transfers to synchrony and they are the ones who accept payments billing etc. 
I attempted to transfer money to an individual thru paypal and it went to the wrong recipient. 
I mmediately notified pay pal and they advised me to collect funds back from the unintended recipient. 
Of course that did not work. Then they told me synchrony is where i should direct my problem and in turn synchrony told me to direct my problem back to pay pal. Neither of them have given me a timely accurate way to resolve this issue. 
The transaction was on XX/XX/XXXX in the amount of XXXX I am at a loss. I just want my money back and neither of them are taking ownership of how to refund my money. 
Please advise.

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 monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This company credence resource management has a negative collections account reporting on y credit file that I have no knowledge of from XXXX. I first submitted a dispute through the credit bureaus XX/XX/2020. Credence sent me a letter dated XX/XX/2020 stating they received notice of the dispute and would be ceasing collections unless they received/ could provide validation of the debt. I have yet to receive validation from the credit bureau or credence resource management. I opened a dispute directly with credence on XX/XX/2020 again to resolve, they acknowledged the receipt of the dispute via email but still has failed to provide proof and has maintained the negative reporting on my credit. Im in the process of buying a home and this is damaging to my credit profile. By law they were given 30 days to verify or remove the acct and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 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: NY

Complaint narrative:
When looking at my credit report, I noticed some fraudulent accounts and hard inquiries. I contacted the Federal Trade Commission and received a report from them. Please block and remove the accounts and hard inquiries from my credit report. I have attached my Identity along with all supporting documents as well.

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 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere. The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees. I attached the screenshot of my payments. The fee of is on the same day I submitted payment. Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified. 

i do want to state I had this problem with another account and you guys fixed it. Hopefully you guys can reversed the amount here as well and make this a smooth process. Thanks in advance. I am not sure why I had to go through CFPB to have this resolve.

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 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a unsolicited debit card from USBank that had not been activated, so I called and canceled it over the phone. Also someone had applied for unemployment beneiftits 3 weeks earlier, so I am a victim of 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 2021-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: NY

Complaint narrative:
When looking at my credit report, I noticed some fraudulent accounts and hard inquiries. I contacted the Federal Trade Commission and received a report from them. Please block and remove the accounts and hard inquiries from my credit report. I have attached my Identity along with all supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I been a victim of identity theft since 2008 my information got leaked out through XXXX College in XXXX XXXX XXXX XXXX scandal all the way to now plus the credit company which is u guys got hacked and my information was leaked equifax all my information was stolen then Im tired of going through the pain and suffering due to the action s of those who is supposed to have protected me especially when u r affiliated with the government I AM NOT A CRIMINAL I AM A VICTIM AND ITS TIME FOR SOMEONE TO PAY ME BACK FOR THIS PAIN I HAVE ENDURED FOR TO AMN LONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I could not access my online banking. I followed Wells Fargo online prompts to identify me. Their site required me to enter my entire social security number. I was pensive, but complied. On the next screen their site required me to enter my ENTIRE ATM card number. I was VERY pensive, but complied. On the next screen their site asked for my ATM PIN number. I did NOT comply. This is ridiculous ... any hacker would have EVERYTHING they needed to hack into my accounts! I called the Wells Fargo number on the back of my ATM card. A gentleman there transferred me to an automated system which required me to repeat my voice is my password, please verify me. I had used this system in the past, and it worked. This time, the system asked me to repeat it again & then asked me for my account number or ATM number which I didnt have with me. I pressed 0 and got a woman on the line that wanted me to start all over again. At this point, I still havent been able to get into my account and I was irritated that she couldnt just put me back into the que to reset my password without another hour on the phone. Their system breaches my rights to my information being kept secure.

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 2021-01-03 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: CORELOGIC INC
State: VA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, CREDCO add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2020 I received an inquiry from XXXX XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest XXXX XXXX XXXX. 

I also got 2 inquiries on the same week from American Express. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2020 I received an inquiry from Macys which I did not apply for. I have no recollection of ever applying for their credit products and live about 1 hours away from the nearest Macys

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 2021-01-04 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NY

Complaint narrative:
RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX  ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS ARS COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.

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 2021-01-04 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York 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 non-monetary relief