vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 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: AL

Complaint narrative:
I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX  XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX  XXXX {$3300.00}

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 2020-06-05 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: AL

Complaint narrative:
I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Trans Union, is misreporting credit information - inaccurate beacon score and, incorrect balance owed to a particular creditor, the VA XXXX XXXX XXXX. I, filed an online consumer dispute in XX/XX/2020, Trans Union claims they never received. I re-filed a second complaint on or about XX/XX/2020 ( still unresolved ). My credit beacon score has been lowered due to these inaccuracies. I pay my bills before I eat - why am I being penalized, being subjected to their inaccuracies. Why?

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

I am not happy with the results of my complaint. It is being brushed off. I want the inquires removed. I have attached documentation to show what occurred. 

Why isn't what i am indicating being ignored and just because they answer with some story the final word. No further investigation, no nothing????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: WI

Complaint narrative:
Medicredit inc is on my XXXX credit report as collections, its not mine account, I think is fraudulent activity, I been contacted their number XXXX. No one was answering call

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 2020-06-05 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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I can not make payments via XXXX. The error says " my bank has made a change that does not allow the app to connect ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Account was opened, while I was in XXXX  ( which is XXXX  ). This could not have been opened by me because it was no way I had access to phone, computer, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I closed on my house in XXXX is 2019. I just tried to refinance to find out that they never paid the taxes I prepaid from my escrow account. I sent them the notice I received with late fees from the county tax collectors office. Still nothing has been done. Now they say they are working on it but dont know what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: DC

Complaint narrative:
We moved into XXXX XXXX XXXX in XX/XX/XXXX. We signed an 11 month lease our lease should have ended in XX/XX/XXXX. There was confusion about when our lease started because I had to signed several different leases before moving in. 

XXXX XXXX was the property manager at the time and he did not take any accountability for the confusion or lack of notification. He insisted that i move out XX/XX/XXXX and my 'notice to vacate ' be handed in XX/XX/XXXX. I did not receive any written notice so I handed in my notice to vacate XX/XX/XXXX which should have been sufficient according to the last lease I signed. Due to this, XXXX XXXX said that I would be subject to a 40 % rent increase from XX/XX/XXXX to XX/XX/XXXX. This put our last bill approximately {$4000.00}. 

My roommates and I paid this debt down to {$1500.00}. We received several bills so I contacted a XXXX XXXX from XXXX and attempted to fight it with a legal team I was associated with. After making minimum progress, I proceeded to pay the debt down to {$500.00}. I have receipts and money orders dated XX/XX/XXXX signed by XXXX ( employee of XXXX at the time of payment. ) In XXXX of XXXX, XXXX XXXX XXXX and IQ Data reported a debt of {$1500.00} ( In two separate collection accounts ) to the credit bureaus despite my payments. It is now XXXX and I have disputed the debt 4 to 5 times and it still remains. I have contacted XXXX XXXX XXXX, XXXX, IQ Data International all 3 credit bureaus and my receipts seem to hold no weight which is baffling to me.

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have been a Synchrony Bank customer for several years with their credit cards and a savings account with over {$20000.00}. Synchrony closed 9 of my credit card accounts due to being a poor risk. 2 were Mastercards with the other 7 cards being store specific. My credit score is over 700 and I have never, ever made a late payment on any of the accounts. The total available credit on those accounts was {$62000.00} and my outstanding balance on the 9 cards totals {$920.00} for a 1.49 % credit usage rate. I was just issued the XXXX Mastercard 2 months ago and they now closed it. 8 of the 9 cards have had credit line increases in the last 60 days. My Lowe 's card had XXXX credit line increases in the last 60 days. I have requested numerous times for a possible increase in the Amazon card limit and was always denied. In the last 60 days my Amazon card was awarded a credit line increase by Synchrony. Several of these cards were issued when I was a XXXX XXXX  and I now make almost 3 times the money I did when those cards were issued. I feel I have been treated very, very unfairly by Synchrony Bank in their decision to close all the credit card accounts and I pose no credit risk to them whatsoever so I don't understand at all what they did!!!

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 2020-06-05 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I reported three unauthorized transactions made with my XXXX XXXX Credit Card for purchases at two grocery stores. My credit card was stolen that same day at one of the grocery stores where the charges were made. After I called the company to report it, the three transactions were removed from my statement. 

On XX/XX/2020 I received a notice from the credit card company ( Chase ) stating that I am responsible for two of the unauthorized transactions because apparently I " received benefit from the transaction '' The two unauthorized transactions are : - XXXX XXXX # XXXX - {$330.00} - XXXX  XXXX # XXXX - {$56.00} These charges have been now added to my account statement and the credit card company has not provided responded to my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has incorrect accounts listed on my credit report with all 3 credit bureaus. I have reached out to Portfolio Recovery without success and/or response. I have written Portfolio Recovery to remove the two erroneous accounts. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Corp USA
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX Pacific Time I called Consumer Corp/XXXX  and paid of my balance of {$1800.00} in full. I was informed at that time that a letter would be sent out to all three agencies that the account was closed and that they would also remove the late payments from the account. Today XX/XX/XXXX, I checked my credit report and I saw I am still showing all the late payments. I called XXXX back at XXXX pacific time and they are now telling me they can't remove them. However, they were the ones who said they would. I specifically asked them if they would remove the late payments from my account and they said yes. So this company lied to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have quite a few discrepancies with the Experian credit bureau. I sent out a 609 dispute letter disputing a few inaccurate information on my credit report on XX/XX/2020, and still have yet to receive any feedback from the Experian credit bureau, which is way past the 30-day deadline. To make matters worse, my XXXX  has me under a XXXX credit score as to my XXXX  reporting a XXXX credit score. Now when it comes to Experian, they are reporting a XXXX credit score, which is almost a staggering hundreds of points off from the other credit bureaus. Now I've reached out to Experian about the inaccuracy on my consumer report and was told I have to wait an additional 30 days ; then, I was hunged upon by one of their customer service representatives with a very unprofessional persona. I then reached out to a supervisor to make a formal complaint and I was verbally told the situation will be handled with no assurance. I then asked the supervisor about a dispute that was on my 609 dispute letter stemming back to XX/XX/XXXX she then stated she has no recollection of any disputes ever being made. I proceeded to ask about another dispute that was also on my XX/XX/XXXX dispute letter, and the supervisor miraculously remembers now there was a dispute for that particular item back in XXXX and will remain on my credit report which I never received results and was after the 30 - day mark.

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 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
From XX/XX/2020 until XX/XX/2020 I have sent out letters to the collection agency asking to verify the amount is owed is mine and still have not gotten any verification stating it is.

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
On Wednesday XX/XX/XXXX I received an email stating I had changed my pin to my WayToGo Alabama child support card. I had not done that and promptly called them where I waited 49 minutes on hold and then was just hung up on. I used the automated system and closed my card and reported it stolen as my pin had in fact been changed when I checked. I received another email a few days later stating my pin had been changed again. I then went to the ATM to try to pull out what money I had in there and it said that my card was not recognize to contact my financial institution. Through all of this I had tried to call them almost every single day if not a couple times a day and every time it would say they did not have customer service reps available to try at a later time or use their automated system. During this time I had two deposits made and had {$390.00} in there. On XX/XX/XXXX someone transferred {$390.00} out of that account. Upon research it was to XXXX XXXX  I will attach pictures of the transfer. I called a certain bank as I am not able to get a hold of the way to go card people and it looks like it is the bank attached to XXXX XXXX. They were unable to give me any information regarding the transfer. Im not sure what else to do with this time as I can not get anyone on the phone to help me and the deactivation of my card didnt stop people from being able to pull money out of my account. I have attached the emails where I contacted the child support division here in XXXX County where they were not able to help me with this matter. I have also attached the documentation of the transfer out of my account As well as the emails that I received stating my XXXX   had been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I've disputed this debt and received nothing in response. This is a violation of the FCRA and FDCPA and warrants the complete removal of the account from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
ERC has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to set up an investment account though XXXX. PNC Bank will not communicate and has blocked access to PNC accounts not allowing their customers to invest financially through a 3rd party application.

Company response to consumer: Closed with explanation