vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: NV

Complaint narrative:
names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened

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 2020-08-26 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: NV

Complaint narrative:
names address and accounts wrong XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX Loansshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments beginXX/XX/XXXX 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened

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 2020-08-26 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: LA

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a chapter XXXX Bankruptcy and after 6 mos I notice that non of the bills were being paid so I closed out the Bankruptcy and reached out to each creditor. I had 2 cc with Capital One when I contacted them to workout payment arrangement that I was informed that one of my cc was sent to Portifolio which I do not have an account with. I paid the one that Capital One had. I do not understand how you can send someone to collection while they are in an active Bankruptcy. Please advise a fix to this problem as I am trying to pay the CC as I have paid the other. It should be against the law to send someone to Collection. And it was verified that the account was sent while I was in the middle of the BK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.

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 2020-08-26 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: LA

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.

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 2020-08-26 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: NY

Complaint narrative:
My husband passed XX/XX/19 ... he had a credit card in his name but I was an authorized user. It was charged off after his death in his name only. Experian is charging me as being responsible on MY credit in error. They have contacted XXXX twice as have I. XXXX says I am NOT responsible ... .so far 2 disputes have not changed. HELP!!! There is no estate.

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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/2020 I made a purchase on the internet for a game console. The shipping was never confirmed through email so I reached out to the seller. With no reply from the seller I called USAA ( our personal bank ) to resolve the issue. The representatives encouraged me to file a dispute that would stop any further transactions and refund my money back. The representative for USAA said they would do a investigation and I would be contacted for evidence. Days later I get a phone call from the claims department of USAA requesting evidence. During this time frame I had received said package and it did not fit the description of what I ordered. I took pictures of the contents of the package for further evidence. USAA told me to send the package back to the seller and show proof. Once I mailed the package back and submitted all the evidence I was contacted again by USAAs dispute department after calling leaving a message for them to contact me. This phone call I was told I would need a second opinion letter in order to even submit my claim. The second opinion letter was to determine if what I received on the package matched the description. The evidence I had already submitted prior clearly showed this was NOT what I had ordered. I reached out to two different businesses for the second opinion letter both of which told me it was ridiculous that a bank would make this kind of requirement with submitted evidence I had already given. Neither business wanted to involve themselves with the bank due to not wanting to have legal issues. I contacted USAAs claims department back again to explain the requirement for the letter was not necessary due to already submitting the previous evidence pertaining to the case and no business would write the letter and get involved in a potential lawsuit. USAAs dispute team representative then told me the letter was not even going to be looked at it was just required. If the letter they are requiring is not even going to be read in the investigation then why is it being required to finish the investigation?! I have called USAA, reached out to them on XXXX and social media to expressed my frustration to them with no avail. The steps to protect your financial assets are just not there. This is a financial institution who thousands of our current soldiers and veterans look to for financial protection. Very disappointed to know USAA does not have Americas heroes best interest at heart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank is currently running a promotional offer XXXX XXXX XXXX XXXX 2020 ) offering {$300.00} for new customers opening TD Beyond Checking and Savings accounts. I tried multiple times to open  accounts through the website, but when entering my address the process was halted stating " To open an account from outside the TD Bank footprint, please call us at XXXX ''. I spoke with a number of representitives to ask if accounts could be opened in California. Each rep told me that I could open the account in California, but each was confused about why the website wouldn't allow it. I began the process with a person in the accounts department, but before finalizing I asked if I would still be eligible for the promotional offer. She was unsure so I was placed on hold, then told that I would not be eligible. I halted the process and read through the disclosure on the webpage. 

The disclosure states that in order to get the promotion you need to open the account online, but the only exclusion states " TD Bank employees and XXXX cross-border banking Customers are not eligible. '' There is no mention of particular states that are or are not eligible. The website has been built to only accept specific states and after inputting your resident information, rather than stating that you are ineligible for the promotion it simply prompts you to call the customer service number, and not one of the service reps mentions the fact that you would be ineligible and feigned ignorance about why the website would not accept my data. 

Due to the fact that they mention that you have to sign up on the website in the disclosure, I'm not sure if they are actually violating any fraud laws, but the fact that they have designed the website to specifically exclude a large group of applicants ( most of the United States ) from qualifying without any verbiage in the disclosure pointing to this fact, seems like a clear bait and switch. If it isn't illegal, it is incredibly dishonest and they should be required to add to their disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I entered Chase w/ a XXXX Letter of Guardianship to request my husbands addition to my account. The Branch Manager ignored a NV District Court Judges orders and denied my right to  sign on my husbands behalf. I filed a complaint on XX/XX/XXXX and another w/ the exec office on XX/XX/XXXX. To date, I have yet to receive an appropriate response. Since XXXX, the investigator on this issue can not return phone calls in a timely manner, I have left countless messages/requests for her managers to return my calls. Im regularly told theyre in meetings or on another call, Im assured theyll call you back as soon as possible. XXXX from their Special Ops dept., not a case investigator, called me, the call was unprofessional, inappropriate & filled w/ derogatory & discriminatory references to my husbands illness. This is outright discrimination against a XXXX individual. Chase was never provided with ANY information regarding my husbands condition. They were provided a Court ordered Letter of Guardianship granting me permission to act on my husbands behalf which they refused to honor. This is contempt and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
On my Experion credit report there are 4 people linked that are not me. Their accounts are also showing up that are not mine both active and closed.

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I.Q. Data International , inc. has a debt collection falsely appearing on my credit report for the total amount of {$4400.00}. The alleged original creditor name is XXXX XXXX apartments, where I have not ever lived or applied to live. The date appearing on my credit report as the open date for this collection is XX/XX/2017. 
Immediately upon learning of the debt I contacted the collection agency, I.Q. Data International and advised that the debt was fraudulent and did not belong to me. I  requested the address to mail in a dispute letter and the representative hung up on me. Each time I called back requesting to speak with a supervisor, the representative hung up on me. I then used XXXX to locate XXXX XXXX XXXX phone number and left urgent voicemails to contact me in regards to the fraudulent debt collection. After approximately one month with no response, I used XXXX to find the corporation that manages XXXX XXXX XXXX, which is XXXX XXXX XXXX. I was asked to submit a copy of my current rental lease, which I did XXXX at the time was XXXX XXXX XXXX. I was told that the debt collection would be deleted due to the account not belonging to me upon furnishing my then current rental lease, however that did not ever occur. All continued attempts to request removal of the fraudulent debt collection have not been answered by I.Q. Data International, XXXX XXXX XXXX, or XXXX XXXX XXXX. These communication attempts have been via phone and written letters to the companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Auto insurers have been using LexisNexis to review public information regarding my accident history. This information, via the CLUE report, is used to determine the risk to insure and subsequently calculate a monthly premium. LexisNexis incorrectly shows that I have two " at-fault ' accidents on my record when I only have one. This has been verified with XXXX auto and I was told by both companies I have to take it up with the other, ie. LexisNexis instructing I contact XXXX and vice-versa. When I called LexisNexis in XXXX I was told they can do nothing about my record. As a credit history and risk reporting agency, LexisNexis has failed to investigate this inaccurate information and I have been paying additional premiums that I shouldn't have been paying. XXXX deemed this accident " no-fault '' but somehow this XXXX accident is listed as " at-fault '' with LexisNexis. This has been an ongoing issue that I realize I have to take additional action on in order for this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I found on my credit report from XXXX that Citizens Bank of PA did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, XXXX had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect attempted to collect a payment for a charge from an utility company wherein the utility company had incorrectly billed me for an entire condo building instead of just my individual unit

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 2020-08-26 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Dear CFPB, I am tired and sick of Fay Servicing playing games with my home as well as my family, for the past 8 months now Fay Servicing made me apply for a loan modification over 6 times. 
Every single time that i get assigned to a representative all they keep telling me is that because of my history the investor of the loan feels that i do not deserve a loan modification. 

keep in mind this is one of those bad loans that Fay Servicing issued from the last recession which it was an adjustable rate with minimum payment and an outrageous interest rate of almost 7 %. 

After 5 months waiting for Fay Servicing to finally listen to my request, Fay Servicing assigned a representative by the name of XXXX XXXX phone number XXXX who first told me based on her review i still didnt deserve a loan modification and it was better for me to loose the house. 

XXXX XXXX phone number XXXX made me so up set since i had never missed a payment until this economic hardship began and it was not fair for hero to tell me i didnt deserve to keep my home. 

i requested for her manager which never returned my call but 2 weeks later i received a loan modification agreement showing an approval of a higher mortgage payment almost 3 times higher that what i used to pay plus only for 3 months. 

So i reached out Fay Servicing - XXXX XXXX phone number XXXX who told me that i was lucky to get that approval since my investor still didn't believe i deserve to keep my house. i told Fay Servicing - XXXX XXXX phone number XXXX that i didn't appreciate it her opinion since i was the one paying the mortgage and she had no knowledge how hard i worked to buy this home. 

After numerous calls and messages to the manager of Fay Servicing - XXXX XXXX phone number XXXX finally got a hold of XXXX XXXX XXXX XXXX. XXXX who told me that if i wanted help to keep my home ill have to resubmit all of my documents all over again. 

So i did i faxed and email all my documents all over again, after almost 2 months XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX told me that because my application showed that i was affected due to the current economic pandemic. the investor of my loan approved a deferral for only 1 month yes you heard right only 1 month. 

Again i asked for the manager Fay Servicing - Manager XXXX XXXX phone number. XXXX who never even bother to return my call about this concerning outcome. 


i feel that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep playing with my home so i can just walked away and loose my home. 

this is not fair that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep telling that i do not deserve to keep my home. it is ridiculous for them to even judge me because of background and race. 

please help me, all im asking is for help to keep my home.

Company response to consumer: Closed with explanation