vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I opened an XXXX mobile account on XX/XX/2020. I made my first transfer of {$150.00} to the XXXX account from my primary XXXX XXXX account on XX/XX/2020. And a second transfer on the following day, XX/XX/2020, of {$82.00}. There was no historical record or transaction confirmation provided by XXXX regarding my transactions which made me distrustful as it is hard to monitor money in this way and it also did not meet my needs. I decided to transfer my money ( the {$150.00}. and the {$82.00} ) back to my XXXX XXXX account but I couldn't because XXXX did not have the feature or capability to give me my money back. I emailed XXXX to get my money and I was told I had to get the money in my XXXX account through my XXXX  XXXX account. Really? I tried to do that but XXXX XXXX told me the only way I could do that was by opening a dispute. After months of investigation, I received an email from XXXX  XXXX now stating they can not get the money back from XXXX because they claim I made the transfer. I did make the transfer and then, wanted my money back and XXXX did not allow it in any way possible. 

It gets worse. Today, XX/XX/2020, after receiving the email from XXXX XXXX and speaking to them to no avail, I called XXXX and spoke to a representative named, XXXX, who stated my XXXX account was closed prematurely due to technical difficulties. XXXX continues to have my money ( {$150.00}. and {$82.00} ) in their possession and have not notified me of the account closing nor has contacted me to return my money. It is now, that I called that I find out all of these and have been given the option to have my money transferred back to my XXXX XXXX. This option is only available because my account was closed prematurely and I found XXXX out on their doing. WOW. Please investigate this institution as they have with confirmation committed fraud and potentially are committing fraud with hundreds of other accounts. They most not be operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: ATG Credit, LLC
State: IL

Complaint narrative:
I have contacted ATg Credit LLC several times over the past year and half to remove their collection from my credit report. I have paid the past due amount of {$64.00} directly to the original debtor and notified Atg Credit LLC several times of doing so. They continue to say the will get back to me and still have yet to do so or remove the debt collection which is no longer in action. I have proof!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
My wife and I received a check from another bank payable to both of us. We do not have a joint account but both bank with Commerce Bank, so we both endorsed the check and I deposited it in my account. Commerce Bank refused to deposit the check to my account claiming it was a " third party check. '' First off, it was NOT a " third party check '', it was payable to the account holder, and his wife, who both signed the check. Second, it was from another Bank, not an account holder, the Bank itself, so it's not as if there's a risk the funds would not be good. Third, my account has more funds in it than the amount of this check, so there is no risk to the bank of a loss. 
On top of Commerce Bank refusing my deposit and notifying me by letter ( not by phone, email, or any other instant method ), and telling me to call them to find out more information, when I called, I was advised that they MAILED THE ENDORSED CHECK TO MY HOME VIA REGULAR MAIL. So effectively, there is a negotiable instrument floating around in the USPS - anyone who gets their hands on it can cash it - apparently at any bank other than Commerce Bank. They might as well have mailed me some cash, it's just as safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}

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 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: LA

Complaint narrative:
XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: UT

Complaint narrative:
My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent an application to refinance our existing loan with Chase ( 1st ) & XXXX  XXXX XXXX ( 2nd ). I sent them documents as requested. On XX/XX/XXXX XXXX advised Chase needed to send me a revised Loan estimate. Due to miscalculation of escrow needed. XXXX advised they were requiring 18 months of monthly income to be shown in a savings account, Ira, etc. In my Ira I have approximately {$41000.00} and in a savings account I had {$9800.00} which XXXX advised we needed to put in an additional {$10000.00} which I got from my husband and he provided them with a gift letter which they requested. On XX/XX/XXXX XXXX said they still wanted to see an additional {$2200.00} which I transfered from my checking account. On XX/XX/XXXX Chase sent me an email stating : XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) Hi XXXX, Your home loan application documents will be available for the next 30 days. 

To download these documents for your records, sign in to your account. 

Please contact us if you have any questions. Were here to help. 

Thanks, Your Chase Home Lending Team I sent it to XXXX and asked him to call me. 

He called me and said that he didn't understand but he stated they were concern about the large deposit of {$10000.00} which they were provided a gift letter from my husband. 


Now to give you the reasoning to refinance and details of my finances. 
My husband and I wanted to switch the existing variable loans to a fixed and take advantage of the current lower rates. I have no mortgages under my name and my husband has several so we decided to refinance under my name and allow him to remove this mortgage for any future additional business loans he may want. 

My total credit outstanding is {$8600.00}. 

Your XXXX  Credit Report from XX/XX/XXXX Showing report for : XX/XX/XXXX Credit Score Fico Score XXXX is XXXX XXXX  Data XX/XX/XXXX My total debt is comprised of : XXXX {$1700.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX   XXXX {$5900.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX CARD {$950.00} Balance updated XX/XX/XXXX Exceptional payment history The XXXX is used and paid by my husband. I'm on as an additional card holder as well as my daughter. 

Overall Credit Usage is : 8 % Credit used {$8600.00} Credit limit  {$90000.00} The total mortgage of both loans equal {$190000.00} and are actually paid by my husband. 

I earn approximately {$85000.00}. 

Regardless of who pays I believe I highly qualify under any government guidelines or regulation s for this type of mortgage. 

I can only believe that the bank is reluctant to earn less due to the reduced interest. 

That to me should fall under unfair banking which I would hope this body will look into. 

Please advise if you need any of the documentation I have provided XXXX  and I will gladly forward them. 
My loan Id # is : XXXX I hope you assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2020-06-23 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
bankruptcy case.after the case was thrown out. Port folio recovery assoc. were told not to call again. they for some reason got off my credit report. now they r back at it. calling different times and from different numbers .now are calling my alpine airconditioning work phone. they have been told to stop, and keep chasing the ambulance. a bunch of ambulance chasers is what i call them. the company that had the debt wrote it off on insurance and these chasers must have bought the debt. so they r pestering me again. this has been going on since the XXXX  closure of the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: ACCOUNTS ADVOCATE AGENCY
State: PA

Complaint narrative:
I spoke with a representative from Accounts Advocate Agency in XXXX PA but to inaccurate credit reporting. I politely informed this representative that that I am disputing the account. I requested they delete the credit reporting while under dispute. She because extremely rude and nasty and was accusatory regarding my dipsute. She also made claims that her note documentation on the account meant that my dispute was not valid. There are no parts of the FDCPA that allow a collection agency to reject a consumers dispute based on the agencies notes. The FCRA allows for consumers to dispute accounts and the reporting agency is required to validate the balance. With that being said, the money is not owed to the reporting agency so there are damaging my credit based on the word of one of their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX XXXX {$25000.00}

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 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX XXXX {$25000.00}

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
Firstsource Advantage , LLC contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with XXXX  that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$690.00}

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 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$690.00}

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
original complaint filed was XXXX The bank has created a letter and signed over a small amount of money to me as a credit but they are covering their tracks and writing misleading letters non of which has accurate information. 

I am trying to resolve this issue after 7 plus years and this last complaint was closed so a new one needs to be opened up. 

I have attached the email sent to both the XXXX branch XXXX and the Vice President of BMO Harris Bank named XXXX XXXX. This email is in response to the signed letter to me dated XXXX XXXX by XXXX from BMO Harris.. 

It is in direct opposition to their letter to me which was supposed to rectify this previous complaint filed and was created to cover their tracks in my opinion. 

Harris Account number ending in XXXX has been reported 90 + days late on 25 occasions and they refuse to change this on my credit report 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