vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'VE JUST SPENT A WHOLE HOUR ON THE PHONE WITH TRANSUNION TELLING ME THAT THEY NEVER RECEIVED MY PAPERWORK REGARDING A XXXX  REPORTING ON MY CREDIT FILE. I WAS THEN TOLD TO UPLOAD THE DOCUMENTS WHICH COME TO FIND OUT, MY ONLINE ACCOUNT THAT THEY TOLD ME TO USE DOESN'T ALLOW ME TO UPLOAD AT THIS TIME. I'M BEYOND UPSET DEALING WITH THIS ISSUE FOR OVER A YEAR.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a job in indeed. I received an answer directly from a company on Indeed stating that I got employed as their personal assistant and my jobs gon na be to run errands. The person sent me 2 checks of {$4900.00}. Before i deposited the check into my td bank account, i asked one of the employee to verify if the check is legit. He told me yess. In the following day, the money was available into my account. i did withdraw the 2 checks. After 2 weeks in a half, i saw that my account is overdraw of {$9500.00}. I went to a precinct to file a complaint. I have a detectif over the case. He collects all the evidence. He gave me the complaint form to give to the bank. I gave them the complaint form. An employee from the bank told me that either way i m the one who gon na pay back the bank. i told them that i do not have {$9500.00} to pay them back. Last week i receive a mail from the bank stating that my account is closed that i need to pay them the full amount in one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FL

Complaint narrative:
I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with Equifax to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to Equifax to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and Equifax refused to remove the fraudulent accounts. Equifax always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from Equifax both dated XX/XX/XXXX, in one of the letter equifax stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent Equifax my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need Equifax to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

Equifax currently has 6 fradulent accounts listed on my credit report. 
XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX  so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I contact Wells Fargo to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, Wells Fargo did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why wells fargo is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the metro 2 task force to further help with the investigation of this inaccurate account

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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I refinanced my home in XXXX and the new mortgage closed in the beginning of XX/XX/2020. In order to close my new loan, I had to deposit almost {$17000.00} into my escrow account to pay the costs. The money was to be returned to me once my new loan was funded. The money should have been sent to me in check form. Dovenmuehle Mortgage send the original check to the incorrect address. As a result, I had to wait a month before the company would issue a new check. On XX/XX/2020, I called Dovenmuehle Mortgage and the representative said that the new check was begin processed. I waited. I called again. I waited. I called again. Finally, on XX/XX/XXXX, the supervisor XXXX told me that the check would be two-day aired to me. On Thursday, XX/XX/2020, no check. I called again on XX/XX/2020 and spoke to XXXX. She said the funds were not available and she would track everything down and call me back. No call. Today, I spoke to XXXX, who said that there was no movement on my check. She said she would transfer my call to XXXX. The call was dropped. Dovenmuehle Mortgage has violated its protocol by not getting the money to me. When I asked for the money to be wired, no response. At this point, I have spent over 10 hours trying to get a resolution. Dovenmuehle Mortgage does not make its managers available to customers so there isn't any way for me contact a person with power. I need your help as I need my refunded ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX agency is reporting information on my credit file that is not mine and do not belong to me. I requested this collection via certified mail to delete and stop reporting this information that is not mine. I requested the contract with my signature or anything with my signature and they have failed to do so. I asked them not to send me a copy of a account statement because anyone can get an account statement and type it up as if it belongs to someone. I would like the entire billing detail history and summary and the original contract with my signature. I am tired of these collection company 's not verifying information before they slap the collection on the wrong person profile because they did not take proper steps to verify that they have the correct person. I can go online and make a account statement for any XXXX XXXX out there. I can go online and find someone with my exact name and create false information. The items I uploaded is their response back and unacceptable. I asked for my signed signature not some bill of sale to their collection company from another collection company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for a new US Bank checking online account with a {$300.00} bonus offer for completing two direct deposits totaling {$4000.00} within 60 days of account opening. US Bank failed to give me access to the account for 35 days, preventing me from completing the promotion terms. 

Timeline : 1. During the online checking account sign up process ( on XX/XX/XXXX ) I was told to expect an activation letter by mail in 7-10 business days. 
2. After waiting ~3 weeks, I called customer service and was told that ( a ) the agent saw no record of an activation letter being sent, ( b ) my account information couldn't be provided over phone or email, and ( c ) my only option for gaining account access was to request a new debit card and wait for it to arrive by mail ( in 7-10 business days ). 
3. I finally received the debit card and pin code around XX/XX/XXXX ( 35 day after opening ) and immediately signed up for online banking as required to retrieve the routing and account number for direct deposit. 
4. My employer ( like many others ) pays on a bi-weekly basis. While I changed my direct deposit records on XX/XX/XXXX, it did not take effect until the next pay cycle on XX/XX/XXXX. I completely my second $ XXXX direct deposit on XX/XX/XXXX ( 65 days after account opening ). 

I contacted US Bank via email asking them to extend the 60 day promotion time period, given that I was unable to meet the requirements solely because of their error. Customer service refused to provide a resolution ( see attached ).

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 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Im not aware of this inquiry

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 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Im not aware of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXX/XX/XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX All other addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a Venmo account. I transferred {$100.00} to my niece XXXX XXXX onto her Venmo card but after trying for several days to access the funds, she got frustrated and asked Venmo to return the funds to me. 
I requested Venmo to return my funds but they are saying they need access to her username something that I do not have since its her personal information. I can easily access her details on the XXXX app while on the Venmo App. by simply typing in her name. How is it that I can access her details and they can't?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, XXXX changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through Equifax twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE 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 2020-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Apparently I applied for credit through XXXX, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called XXXX XXXX reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!

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