vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AZ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. Solomon and Solomon was the collection agency. But I worked directly with XXXX XXXX XXXX to pay it off. I have disputed this before with XXXX, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
2nd complaint Reference # XXXX I have called everyday and automatically placed on hold for long periods of time TODAY ( 2days before foreclosure ) I am on hold now for 36min and still waiting PHH has set up 3dates for telephone conference which THEY NEVER CALLED CAM YOU HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CA

Complaint narrative:
I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CA

Complaint narrative:
I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX USA XXXX XXXX, 01 XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 01 XXXX XXXX XXXX, 08 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, Company Inquiries : XXXX XXXX US XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Transfered money to a fraudulent account withtout knowing. bank of america won't protect me and do the right thing and give me my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOP FLITE FINANCIAL INC
State: CA

Complaint narrative:
Signed Docs 12 days ago, should have funded 9 days ago. Top Flite financial keeps saying they will fund the next day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I obtained my credit report at the end of XX/XX/XXXX. I saw that Navy Federal Credit Union reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that Navy Federal is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on Navy Federals Part. Furthermore, doesn't Navy Federal offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to navy federal, and I have emailed my short-term XXXX papers to Navy Federal. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a {$21000.00} CD with Capital One Bank. I asked that the CD funds be returned to me when the CD period ended, on XX/XX/2020. They have not returned my funds to me. I have spent about 6 hours on the phone with the bank. They initially told me the funds would be transferred into an account I have at the bank ; then that the bank was incapable of transferring the funds to an account at their own bank ; then that a check had been mailed, then that a check had not been mailed but would be and I would receive it in 7-10 business days. I still don't have my funds. They are now asking me to submit an affidavit, attesting to the fact that I have not received the funds, however, they have not provided me with the form of affidavit or where to send it. I now must retain an attorney and commence a legal action, which will likely cost me thousands of dollars and take an extended period of time. All of this to obtain funds I deposited with this bank in the naive belief, I guess, that it would be simple to recover these funds when my CD period ended. I am not a conspiracy theorist, but I have come to believe the bank is intent on simply stealing my money. And I am a sophisticated consumer, with a XXXX XXXX. I can't imagine what this bank does do people with fewer resources. Nor is this some minor fly-by-night operation. This is Capital One Bank!

The only way to communicate with Capital One Bank is by phone. The average hold time is 25 minutes. I asked to talk to a supervisor. The hold time was 50 minutes. The bank sent me a letter telling me my CD had been redeemed. But they have not sent my any of my money. 

My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The last four digits of the CD are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is refusing to fix errors and fraudulent information on my credit report. I have been disputing these items for 6 months and they have not responded to any of my requests and keep sending me postcards stating they are unable to locate my file although I have a full credit file with Equifax. In addition, I have provided identity verification each time I requested Equifax to verify the accuracy of items that were reported inaccurately on my Equifax credit file. Equifax has refused to process my disputes I have provided Equifax my police report and they have violated federal laws by not responding to my credit dispute yet continually sending postcards stating I don't have a credit file Equifax is violating federal section 623 guidelines related to furnishers of information. The below accounts are fraudulent and by law should be blocked from my file immediately, In addition, these items are listed in an identity theft report with the police department Fraudulent Accounts : XXXX Original creditor : XXXX XXXX XXXX XXXX amount {$330.00} ( Medical ) XXXX XXXX XXXX {$6500.00} XXXX XXXX $ {$20000.00} These accounts were listed in 6 separate dispute letters to Equifax that they failed to investigate and they have continued to not investigate action has to be taken against this organization to get them to follow the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
After having multiple chase products i discontinued my chase student checking account, and my chase unlimited freedom credit card. 

I created a dispute to which there were 0 responses/messages in my inbox, chase closed the dispute without notifying me or communicating with me ; when asked about it i was told i would have to write a letter to them even though the issue was on their digital product 's behalf. 

Chase 's customer service is awful, they wouldn't assist me with disputes, multiple call disconnections, i spent 2 hours on the phone and both " transfer to supervisors '' magically failed. The best part of the customer service is when you get that magical representative that cuts you off every two seconds, give you attitude and then acts like theyre doing you a favor by being on the phone with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2016 Someone wrote me a check and out bounced and Bank of America closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX self loan still shows open and I am pay off this account date on last payment XX/XX/2020

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