vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already  done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX  XXXX {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted extension request for payment to my auto loan as SunTrust offered relief due to the COVID-19 pandemic on XX/XX/XXXX of this year. I received a confirmation email, still they kept charging me installment in the amount of {$670.00} in the month of XXXX, XXXX and XXXX. 

I tried to contact their customer service after a lot of struggle in the month of XXXX. They were rude on the call. After a lot of explanation, they said a manager will call me within a day, but nobody called me till date.

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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to link checking account to money managing website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Greetings Senators XXXX, I write asking that you assist the XXXX XXXX  to access mortgage lending opportunities. Rates are so remarkably low, to attract the attention of all, UNFORTUNATELY, self employed are shut out. I am the XXXX XXXX of my XXXX XXXX and am considered XXXX XXXX with a 4.375 % fixed 30 ( 6 years old ) ( $ XXXX mortage, {$1.00} XXXX equity, XXXX XXXX  ). I am told anyone with more than 25 % of an XXXX XXXX is considered XXXX XXXX  and banks are not lending to XXXX XXXX. The US mortage market needs help senator. Your consideration of this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am applying for a grant through XXXX and PNC will not allow them to link

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.fsnb, na XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX ar XXXX XXXX ET, we did scan via the chase app and deposit a check into our business account with chase for {$5000.00}, since then we didn't receive the amount, when I called chase to check why it is taking so long, they said there is a freeze on account, and the amount. 
When I asked why? They said you tried to cash a check that written to another business into your business account! 
I said but that's what everyone is doing, and there are many banks don't say anything ( XXXX it, because I did before we asked them to send us the check ) We are XXXX XXXX, and we tried to save time! Instead of talking it 10-15 days to get the money, until the other business cashes its check, then they send us new check from their bank, then mail it, then we received it then we deposit it, then add 2 days to get it available. 

Anyway they are now requiring me to come to any bank branch ( I am overseas now, even If I am home with XXXX I am going nowhere ), and they want me to bring the original check business representative, who are in XXXX city within our state ( Texas ), then go to my banker to vouch that we are not a fraud!!! 
Now I opened this business account online! I don't even have personal or designated banker to talk to. 
And the original business representative said we don't have time to come, and do this! Every bank cashes these checks in same day, it's your problem deal with it! 

Chase didn't even said there was a hold on the account! We figure it out by ourself! 
Their only communication with us was we received the check and we are processing it. 

I have been Chase bank customer since XXXX and before with XXXX XXXX they bought, and in just last 2 month I opened 3 business accounts with them, and this is how they treat us? like criminals! 

All I was doing is to try to save time! Because you know how bad the economy is!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I open a CD account for my XXXX XXXX XXXX child, she is now XXXX XXXX XXXX and wanted to cash the CD and closed the account. She contacted the branch of CHASE Bank that has her CD and was given the appointment of XX/XX/XXXX to meet the banker. At the appointment time while she was with the banker some customer walk in the branch, did his transaction at tiller and on his way out started talking to the banker who was assisting my daughter, banker stop assisting my daughter and started speaking to that customer for 10+ minutes while my daughter company by her mother sit there helplessly. After finishing talking to that customer banker got back to them and told them that she need to email different branch for the availability of her CD founds and in a day or two she will call them to come back. 5 days pass no call, so we started calling the personal or business phone number banker provided, no answer and the banker voice messaging was full unable to leave the message, so we started calling the branch main line number which also was not answered and instead has out going voice message ( which is still active until the last couple of days, even though i brought to the attention of the banker ) " Branch is temporarily Closed '' while branch is open, the only option customer are left with unnecessary trip to the branch to see the banker of if branch is open. On XX/XX/XXXX I called CHASE customer line and complain the issue, with in next few hours the same banker call and made verity of excused and said the branch manager is aware of the situation and we working on it, and we are not going to steal your money, its just the system that is not allowing me to close the account. Today is XX/XX/XXXX called numbers of times within past 2 weeks, no one is taking the call, and can't leave the message and the banker never follow up with us to explain what is the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX XXXXXXXX {$32.00}

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 2020-08-10 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$180.00} XXXX XXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX XXXXXXXX {$32.00}

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 2020-08-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. 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 XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for a Citi Bank checking & saving account in XX/XX/2020. I signed up under a promotion which would provide {$400.00} for maintaining a {$15000.00} balance for 60 days and {$100.00} for making two qualifying direct deposits. On or before XX/XX/XXXX, I met these requirements. Citi was contractually obligated to deposit the {$500.00} into my account by XX/XX/XXXX ( 90 days after I met the criteria ). 

On XX/XX/XXXX, I contacted Citi, who agreed that the money should have been deposited and promised to deposit the money by the end of XXXX. Some time after XX/XX/XXXX, Citi bank closed my checking account without my authorization, notification, or request. 

On XX/XX/XXXX, Citi bank issued a letter stating that the funds could not be deposited because the checking account had been closed. This letter falsely stated that I had closed my account on XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative who confirmed that Citi was in error, acknowledged that the {$500.00} should have been deposited on or before XX/XX/XXXX, and acknowledged that Citi had mistakenly stated that my account was closed on XX/XX/XXXX. 

On XX/XX/XXXX, however, I received another letter again falsely stating that my account had been closed on XX/XX/XXXX, and I was therefore not eligible for the {$500.00} reward. On XX/XX/XXXX, I spoke with another phone representative who also acknowledged Citi 's error, but was unable to provide assurances that this issue would be resolved.

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 monetary relief
Consumer complaint received 2020-08-10 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXXXXXX {$250.00}

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 2020-08-10 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX   XXXX {$250.00}

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 2020-08-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. 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 XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}

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 2020-08-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. 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 XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}

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 2020-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
Nationwide Recovery Systems are attempting to collect on an alleged / un-validated debt for {$640.00} ... .while they have reported this information to the credit bureaus, without EVER mailing me a notice. I was never given the opportunity to dispute the debt at all. I also believe that, this debt may have reached the statute of limitation for collection and this agency has re-aged this account over and over in an attempt to collect on it. I am not aware of any medical bills that is in my name in the amount of {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}

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 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I took a loan in XX/XX/XXXX for {$1000.00} online. The money was in my account the next day. But I never received the paperwork I signed. I called but never answered. So I emailed them a few times asking what is my percentage and got a email about 3 to 4 days later. Thats when I saw my percentage for 785.55 %. I already used the money. So I emailed them ill pay my {$1000.00} but not more then that. I have XXXX asking me to pay {$2000.00}. I made 2 payments for {$320.00} on XX/XX/XXXX & XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America - XX/XX/2019 Im not sure what happened just know it says fraud on my consumer report and I have never did fraud in my life!!!

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 2020-08-10 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX is incomplete account and has many errors and I will unaware of this debt and have a opportunity to dispute both to these accounts. 


XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation