vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX showing up on credit not mine

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 2020-08-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX showing up on credit not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. 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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
1 ) XXXX county taxes paid {$2700.00} CORRECT 2 ) XXXX county taxes paid {$2300.00} CORRECT 3 ) XXXX county taxes paid {$2300.00} INCORRECT 4 ) XXXX Escrow advance {$1500.00} INCORRECT WHY????? 5 ) XXXX Tax Refund {$2700.00} WHY FOR WHAT????? 
6 ) XXXX Repay of Escrow Advance {$1500.00}??????????? 
7 ) XXXX Tax Refund {$2300.00} First of all it is wrong and why are you calling it a Tax Refund??????? 
8 ) XXXX Repay of Escrow Advance {$00.00} what are you repaying 9 ) XXXX Mortgage Payment 10 ) XXXX County Taxes Paid {$2700.00} WHY?????????????? 

On XXXX why would you pay county taxes if all of my taxes were paid on XXXX of XXXX????? 
This is a made up statement. You are putting numbers in so my account looks paid it is NOT. Taxes still have not bee paid and I am still delinquent with XXXX County taxes ( see below ). The first payment should have been made XXXX. I want to know are you making up fake statements???? 
I have late payments of {$240.00} so far that have incurred who is going to pay that????? 

I have called your customer service 20 times, I get put on hold for an hour and then they are so rude they hang up on you or say wrong department I cant help. I finally get thru to XXXX in the escrow department ( she said she was a supervisor ) phone # XXXX and she said she would help she wont pick up my calls anymore. 

My mortgage was sold to you in XX/XX/XXXX I did not pursue you I am so disgusted with this bank I have no words. I can not believe that you are still in business. 

XXXX the only reason that I got as far as you is because I contacted the XXXX XXXX XXXX. Well no that you can not seem to get any information out of your own company ( I have provided it ). I will make sure that the XXXX XXXX XXXX has all of this information, my lawyer because I am so distressed ( I am a widow of a XXXX ) AND I AM A SENIOR CITIZEN. How dare you treat people like this. 

XXXX XXXX XXXX Above is the letter I sent to Citizens One I re-financed my mortgage in XX/XX/XXXX and it was sold to Citizens one. They have not paid my property taxes and I received a delinquent notice from XXXX County treasurer. I have tried to get anyone to help me. I am beside myself. I called and sent a complaint to the XXXX XXXX XXXX  I have called the Bank 50 times my property taxes still are not paid and my escrow account is now overdrawn. HOW does that happen. I should have a positive escrow balance and no one at the bank seems to be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company XXXX sent me multiple emails asking me to verify my banking. Then they sent me two cards by XXXX. 

They deducted {$500.00} from my business checking without my signature or verbal authorization. 

I have called the customer service number multiple times and they tell me they can not find any information. 

I found another office to call, when I called today I was told that if they took the {$500.00} it would be refunded back the same way it was taken. The representative hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AES/PHEAA
State: AL

Complaint narrative:
For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that FedLoan Servicing was reporting a loan with a XXXX  balance and an $ XXXX  monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX  in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with FedLoan Servicing about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY

Complaint narrative:
I first noticed the transaction on my credit report roughly a year ago. I never applied for this credit, and don't believe this belongs to me. I was going to try and rectify the situation a year ago, but i had to leave the country rapidly.

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been a victim of identity theft and have provided XXXX and XXXX with 2 separate police reports indicating credit card fraud and burglarized vehicle which my personal information ( social ) ( ID card ) was stolen and sold to person ( s ). In addition the second police report  indicates a person scanning my information somehow and duplicated credit cards. I submitted the police reports from XX/XX/XXXX and XX/XX/XXXX in writing and also fax to XXXX and uploaded to the XXXX   website. I also contacted the original creditor. My Nordstrom card I did open this account however there was over XXXX unauthorized charges and this account is reporting inaccurate and negative on my credit report. XXXX XXXX card I never opened and I also have sent them proof. I also disputed this last year in XXXX when I first found out of these accounts due to a person was caught with my ID and other IDs. I been dealing with identity theft since XXXX. Im asking for these accounts to be removed from my credit report. 

Nordstrom sent me statements to provide the the items that were theft however I sent a letter advised them to remove the item due to the inaccuracies reporting of this account that is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: FL

Complaint narrative:
I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
For no reason at all I have been frozen out of my Coinbase account. I have thousands of dollars with them. When trying to resolve this with their support team, they offered a criminally vague statement that said " You are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' Which means they won't give me my money back and they won't tell me why. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank advertised cash rewards for opening new accounts. I deposited {$60000.00} dollars. According to the bank officer and paperwork I received I was to maintain such account balance for 60 days within 30 days of the completion of the requirements ( 90 days from the account opening ), I would receive {$700.00} cash bonus. Over 100 days has passed they have not deposited the cash bonus and they tell me now that I have to wait 90 days over the initial 60 days of account opening. I called Citibank corporate but they tell me this offer is by the specific branch and I need to complain to the bank. The bank managers XXXX and XXXX told me to file a complaint with the state or federal if I would like. The language in the brochure is not clear and deceptive. I will be happy to send all the documents for review. Please do not let this bank to deceive people. They must cease and desist this practice and upgrade their brochure to specifically note the exact date the bonus will be paid. Thank you.

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 2020-08-18 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: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Mortgage Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. 

XX/XX/XXXX Ditech went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with DITECH, had followed up multiple times with XXXX XXXX XXXX who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from XXXX dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give XXXX XXXX XXXX more time. 

Ditech can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by XXXX XXXX XXXX and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a zero balance and an $ 812 monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.

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 2020-08-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a XXXX balance and an XXXX XXXX monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019 my bank account was compromised and XXXX Bank froze all activity on the 7 accounts, but did not send written notification nor called to informed of their action. After speaking with XXXX not being able to make withdrawals, they informed me of the freeze and stated the accounts were under investigation because of a fraudulent deposit made. The accounts were on hold from XX/XX/XXXX - XX/XX/2019. All transactions, deposits and withdrawals were not permitted. I received a letter dated XX/XX/2019 informing me of the restrictions by the Fraud Department. Unfortunately a payment was made to Capital One for my credit card on XX/XX/2019 in the amount of {$160.00}. Prior to this payment, I had never had a 30 late payment on this account. I have submitted a review of this account and my payment history to Capital One and included details of the fraud on the account. Because the payment was submitted prior to the 30 day delinquency and the freeze prevented to payment from being honored, I believe I should not be penalized for a payment that I had no control over being rejected. This was not an NSF rejection. And the initial 30 day in XXXX then caused the subsequent payments to also appear to be delinquent. This also would include additional fees charged that increased the amount due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing these accounts for the longest with Equifax, XXXX  and XXXX. I have 3 seperate student loans accounts through XXXXL that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/GL on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. Equifax actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and Transunion XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all XXXX accounts. Transunion has XX/XX/XXXX, Experian has XX/XX/XXXX while Equifax has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by Equifax on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I never knew there was a debt owed at all until I was trying to buy my house in XXXX of XXXX and I started reviewing my credit report. According to XXXX XXXX the debt was from XX/XX/XXXX. At that time unsure of how to handle such a large debt from so long ago I tried to dispute it with the credit bureaus to no avail. I have never once received even a single piece of mail of any kind from neither jj marshall or the original debtor XXXX  XXXX. I never even received any notice of any court proceedings. I was never served paperwork by anyone. On XX/XX/XXXX my employer provided me with a copy of an order to garnish my wages on behalf of Jj marshall. Still to this day I have no idea what they are claiming I owe almost XXXX for. I am now attempting to object to this garnishment. To my knowledge it is beyond the timeline in which I can object to the judgement. I do not believe they made any attempt at reaching me in order for me to object to the debt in the first place so I would not have a chance to fight it. I have lived at the same address since I moved out of XXXX in XXXX of XXXX. I have received mail both legal and otherwise for almost seven years at my current address as well as it being my address listed with the post office and the courts so there is no reason that they could not have served me a proper notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
This account was open due to my identity theft I I have sent police reports on in regards to this matter. I have contacted this company that no longer owns the debt and they continue to tell me they cant speak with me. They wont respond to a written dispute that was sent XX/XX/20.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX   {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation