vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: TX

Complaint narrative:
I have for a year been trying to have Equifax stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Equifax proof of this on my last dispute and still havent stop reporting it. I have attached proof of my Transcripts showing that i did not file for taxes 2016 and that XXXX  has deleted the account. Equifax must also stop reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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:
AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TX

Complaint narrative:
AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.

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 2020-05-10 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XX/XX/2020 I cancelled 4 Excusurions with XXXX ( due to Covid in XXXX ) total {$940.00}. All were 100 % refundable, no penalties, nothing. 

Unfortunately it was for a my account that had cancelled earlier with Citibank ( since they couldn't stop a fraud charge monthly coming through, they said they would block it, they never did ) .So we couldn't file a dispute claim on line the 'usual ' way. 

We couldn't reach Citibank by telephone as they never picked up the phone after waiting 1 1/2 hr on line ; and at that time Citibank also removed their chat button too on their website So we ( myself and wife ) wrote a letter to Citibank, faxed it to them XX/XX/XXXX to fax # XXXX & XXXX. Two fax # 's as Citibank mortgage company emailed us directly, saying they recently changed fax # 's and they would forward to the billing disputes. 
This letter was sent certified to them XXXX, see attached, # XXXX which included the cancellations from the XXXX website showing 100 % refund. 

My wife, XXXX, emailed directly to XXXX the same information on XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX. 
Every above email included letter to XXXX, letter to Citibank, certified mailing to Citibank, and the docs showing the 4 items were cancelled, in addition to my husband 's previous c/c statement. 

If you see the email sent to them on XX/XX/XXXX, this complaint is for the Second issue ; the 1st one XXXX finally sent them back a response which Citibank said they would advise me in 10 days of their response. 

We also sent a certified letter to XXXX too on XX/XX/XXXX demanding an immediate full credit be sent now. 

Furthermore I received a call on XX/XX/XXXX at XXXX from XXXX, from a Citibank Rep, XXXX XXXX who said that they received the letter. He asked me if this was fraud. I said " didn't you read the letter, it clearly reads I cancelled the transactions, showed proof of the transactions, it isn't fraud. I am trying to have you file a dispute ''. He said " then I can't help you I am only in fraud ''. 

They have never replied by email or by letter, or a follow up call from the correct department since XX/XX/XXXX XXXX I was ready to scream. Citibank got the letter ( or their Rep wouldn't have called ),  they didn't read it correctly, and now wont ' file the dispute for these 4 charges which I have every legal claim for the $ to be reimbursed to me immediately in full 100 %

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 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: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX 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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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:
AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.

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 2020-05-10 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: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, 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 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
AFTER LOOKING AT MY CREDIT REPORT I WAS HORRIFIED TO DISCOVER THAT ENHANCED RECOVERY WAS REPORTING A DEBT THAT IS NOT MINE. I REACHED OUT TO THE BUREAUS TO HAVE IT REMOVED. THEY FAILED TO DO SO. I REACHED OUT TO ENHANCED RECOVERY AND INFORMED THEM OF THIS ERROR AND THEY HAVE NOT LAWFULLY REMOVED THE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, 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 2020-05-10 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: CA

Complaint narrative:
Did not inquire this

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 2020-05-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Did not inquire this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Not up to date accurate information on my credit report still

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Not up to date accurate information on my credit report still

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Not up to date accurate information on my credit report still

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Inaccurate information. Outdated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX / BB & T Bank Representative XXXX XXXX said XXXX XXXX XXXX BB & T Bank could help with my banking needs. I wanted easy online access to funds. After opening an account I requested online access. 4 days went by and I followed up 2 times about online access to funds so that I can pay a bill. On the 4th day XXXX called me and said they would not be my banker as " We could never satisfy your needs. Just tell us where to send your funds and we'll wire them over. '' She explained to me that my assets were frozen and I would not be given online access to those funds. 

I said sure as she expressed the funds would be wired out to the bank account of my choosing .... and proceeded to open an account with XXXX XXXX, then provided the routing & account number to XXXX XXXX of XXXX XXXX / BB & T. She then replied I would have to go to the branch and pay the wire transfer fee to receive my funds. 

I have not been provided an adequate explanation why my assets were frozen, why I would not be given online access to those funds as other customers are, and finally why I would have to go to the branch and pay fees to access those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 i had a 41 point drop in my Equifax report via XXXX XXXX. It shows 4 changes, all of which are POSITIVE, none are NEGATIVE changes. I want to know why and how they justify this. I have had almost 80 point drop in 30 days with NO NEGATIVE REPORTS. Equifax will not respond. Its unfair and unjust and needs to be fixed and addressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was notified by XXXX that Chase Manhattan Bank updated my file with incorrect information on XX/XX/2020. I believe this to be in response to a referenced complaint against a merchant complaint ID XXXX. Chase Manhattan was listed in this complaint as the payment processor and since the filing of this complaint. I have received emails from Chase considered spam. In retailiation for this complaint this has been submitted today causing a drop to my credit score of 93 points. The information previously reported has not changed in six years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Once again, Nationstar Mortgage DBA Mr. Cooper has misapplied my monthly mortgage payment. I pay extra every month so that I can get the mortgage paid quicker, however, Nationstar has a habit of applying the extra payment to my next month 's payment and advancing the due date instead of doing what is clearly stated in the payment instructions on their website, which is to just pay extra to the principal. I have had this corrected by Nationastar in the past, however, it seems as though it is policy on their part to continue to misapply payments in an effort get extra interest income instead of correctly applying the payment. Granted, they generally do fix the problem, but only if they are called out on their mistake. The CFPG should verify whether I am the only person they are doing this to or if there are others as well. I have attached a history of my loan showing the mistake they made on XX/XX/2020 and the previous mistake that they corrected from XX/XX/2020. The same error was made both times, the misapplication of my payment by advancing the due date, when I wanted the additional funds to go to principal only. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent money unknowingly to an account in XXXX! Scam for XXXX dollars. 
PayPal will not refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Betterment LLC
State: NJ

Complaint narrative:
XX/XX/2020Someone gained access on my betterment cash account. Link their external account to my betterment account and transfer all the money amount {$390.00}. I did not receive any email about linking the external. But I did receive email about transfer were made from my account. I checked email 2 day after the transfer was made. I called betterment to inform I did not make any transfer. Betterment try to retrieve the money back, but they could not do it. They also inform me they are unable to help on that matter and can't reimburse any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient enrolled me in a payment program to catch up on my payments under the guise that if I made a payment of {$220.00} that same day ( XXXX XXXX2020 ), I would not be reported to the credit bureau as being late as I was working with the loan company to get current as this was a form of forbearance. As long as I made the payments for the months of XXXX, XXXX, and XXXX my account would be brought current and I would not be reported. Under this program I also had to provide my debit card information to be signed up for automatic payments for XXXX, XXXX, and an additional 12 months after. I learned yesterday ( XXXX XXXX2020 ), that Navient did report me to the credit bureaus as being 120 days late and reduced my score by 20 points. I then called Navient after learning this to get more clarification. The supervisor I spoke to, XXXX XXXX ( Employee XXXX ), told me I was given wrong information that they would still be reporting me to the bureau and that there was nothing to be done if my credit score was impacted due to the misinformation I received. I also asked for the recording of that initial call when I was signed up for the program, she told me I would need an attorney to do so via court. Navient has done this exact same thing to me back in XXXX of 2020 by offering a different automatic payment program. They reported me to the credit bureaus after they said they wouldn't and my score fell 60 points.They are lying to consumers in order to get same day payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a dispute claim with Citi Bank and they declined the claim within 10 days giving me non valid reasons. I was charged by XXXX for {$860.00} in which i never received services for nor a refund they told me to speak to my credit card company. At this point its fraud/scam because Citi bank does not want to give me back this credit amount.

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: New Century Financial Services, Inc.
State: DE

Complaint narrative:
NEW CENTURY FINANCIAL has been garnishing wages from my check with the name listed as XXXX XXXX XXXX that is not my name nor have I ever done business with that company. I was a child the debt comes from 1999. It shouldn't legally even be listed beyond 7 years if it was. Its ruining my quality of life garnishing my wages for debt I didn't create. I already filed a police report which I will put in the document section from someone using my name in ohio I never lived there either. I would appreciate if the information would be removed, I paid to have my credit cleared last year with police reports that was cleared and proven not to be me. The money taken and amounts is included in my documents in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My Mortgage was transferred to your company in XX/XX/XXXX. I made my payment to XXXX in XXXX and it was returned from them on XX/XX/XXXX. I then immediately made the XXXX and XXXX payment on XX/XX/XXXX after contacting your company. The customer service representative assured me that a late or late charge or negative credit would be reported. I learned in XXXX of XXXX that it a 30 day late shown on my credit report. 
I have contacted Shellpoint Mortgage and the agents agree that it should not have been reported as 30 day late. I have also sent the attached documents to them to support the error. I have gotten no response and this began on the XXXX of XXXX. The agents have assured me it would be removed and it is still showing on my report. I have no response from Shellpoint even after making multiple calls. 
The phone number I was given for a supervisor ( XXXX ) is XXXX the mortgage number is XXXX in the name of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation