vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX-Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I haven't receive my activation code or any information from the Equifax Data Breach Settlement regarding the credit free credit monitoring I selected on XX/XX/2020. I was also given a submission code too. 

I reached out to the Equifax Settlement Administrator via online, email and phone on XX/XX/XXXX and again in early XXXX of this year. But no response at all. 

This is very unprofessional especially since my information was breached on Equifax. 

It seems like Equifax has lied to me by promising that free service if you select it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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 been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX   XXXX XXXX XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in 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 2020-03-03 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 been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX  XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase Support is Incompetent I requested my account be placed on security hold because I had experienced ID theft. The institution correctly placed the security protocol on my account. 

In my attempts to then regain access after replacing my SIM card and changing all my passwords, etc. The institution was consistently unresponsive ( multiple emails requesting assistance, refused to accept valid goverment photo ID, and continued to tell me I needed to wait to be contacted by email. 

On XX/XX/2020 i spoke to a supervisor and I was told I would be contacted to unlock my account and that I would need to provide a Drivers License. That I had no choice but to wait to be contacted by Coinbase. 

Unfortunately, Coinbase without contacting me disobeyed numerous internal security protocol and unlocked my account. Resulting in my funds being accessible without my knowledge or consent. 

Dont use Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, Equifax and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid the balance on my Walmart credit card, issued by Capital One, on XX/XX/2020 which included new purchases of {$200.00}. The previous balance of {$2000.00} plus the new charges of {$200.00} for a total of {$2200.00} was paid on XXXX XXXX. I neglected to call and get a pay off amount so I was charged {$35.00} interest on my XXXX statement due XX/XX/2020. 
I called today, XX/XX/2020 and spoke with XXXX to get a payoff amount and was told it was {$35.00}. I asked to speak to a supervisor because they are charging interest on interest. I spoke with XXXX and was told the same thing, I owe {$35.00} today. I explained that on my statement it states that I will not be charged interest if I pay off new charges on that billing cycle. I also explained that the {$35.00} on my statement is interest charged from the paid account and I am not questioning that I owe that amount. She explained it is calculated daily which I understand, but if all I owe is interest and they are charging more on XX/XX/2020, Capital One is charging interest on interest. She stated that the correct payoff amount today is {$35.00}. 
The amount is minimal, but Capital One 's practice to charge interest on interest is not right, so I am complaining to hopefully, have them discontinue this unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
My title company received a mortgage payoff that was dated XX/XX/2020 and they were told that we were closing on XX/XX/2020 but that made the payoff good through XX/XX/2020. On XX/XX/2020 and the revised payoff was requested after noticing that the one provided was less than 30 days and it was showing XXXX Payment not made. An email was sent to the payoff department, and we followed up on XX/XX/2020 and on XX/XX/2020 and on XX/XX/2020. 

We close per contract, so not to default on the Sellers side of the transaction, we have been told by the servicer that they don't care when we are closing, they are 10 days behind on payoff and we just have to wait. 

I called again on Monday XX/XX/2020 and I asked we could just wire the payoff that showed XXXX not paid and they could refund the overages because we did not want the servicer to keep charging the XXXX per diem. 

I was told it did matter, I should have ordered my payoff 20 days prior to closing. I need your help, I am paying additional interest, due to the servicer lacking manpower to process an interest-only payoff. My funds are in escrow since Friday XXXX, 2020.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed two Credit cards that I had with them and despite the mistake, they made they are not willing to reopen the account. 

Bank of America asked for my residency documents. I called BOA first to make sure what is the best way to provide the document I've been advised by the associate to go to a local branch. I went to XXXX XXXX, XXXX, MA branch of Bank of America and Provided my green card as well as driving license ID ( XX/XX/2020 ). The associate copied the documents and typed in the information in their system and said I am all set. 

Later on, when I logged into my online account I got a pop-up message that I need to upload the documents. I called BOA again to figure out what is happening. I've been told that the information regarding my residency documents is in their system and I am all set and I should ignore the pop-up message. 

On XX/XX/XXXX I realized that my checking accounts are frozen and credit cards are both closed. I went to the XXXX, MA branch of BOA and they said because it's the bank associate 's mistake they would file a complaint and will escalate this and will solve it. 

They gave ma a Case number XXXX. I went there back on XX/XX/XXXX and they said they are not able to reopen the account for the mistake that they did. 

This is going to negatively affect my credit score and wasted my time.

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 2020-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I submitted a claim concerning our existing checking account under the requirements surrounding the Wells Fargo Unauthorized Accounts Settlement in XX/XX/XXXX (? ). 

In XX/XX/XXXXI received a 'ACTION REQUEST ' form/S4. Name, Last 5 SS #, DOB and  signature. 

Obviously more than a year has passed. The 800 # and web site contains the information that the lawsuit is under review. I have been patient. 

Due to the most recent news coverage, is it reasonable to EXPECT a response, one way or another, in lieu of the RETURN of the S4 form?

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 2020-03-03 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: CO

Complaint narrative:
All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX XXXX report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX  XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.

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 2020-03-03 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: CO

Complaint narrative:
All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX XXXX report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HOUSE WAS SOLD. I DID NOT RECEIVE NECESSARY IRS FORMS TO BE ABLE TO FILE MY 2019 TAX RETURN FROM UNITED BANK 2019 1098 MORTGAGE INTEREST STATEMENT I EMAILED THEM, I SENT REGISTERED PRIORITY MAIL THEY HAD TO SIGN FOR REQUESTING THE 1098 IRS FORM TO BE ABLE TO FILE MY TAXES. THEY DON'T RESPOND. I HAD TO FILE FOR INCOME TAX EXTENSION AS THIS AMOUNT I PAID THIS BANK IS {$47000.00} interest and payments 2019. THIS IS THE 2ND MORTGAGE AND THE LIEN HAS BEEN RELEASED BY THE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Credit card with TD Bank N.A. 

I transferred the credit card balance to another credit card. In addition to the transfer, I have faced additional charge, one of witch I paid. I am being threatened with a credit bureau report. 
I have called them without satisfaction. 
I attempted to review past transactions but could not access the account. 
I am a CPA and have put in a considerable amount of time in this matter. I should be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I requested multiple times for NewRez mortgage servicing company to remove my escrow account. Loan originated XXXX and far exceeds the 80 % loan to value requirement. 

The written request for escrow removal was sent XX/XX/XXXX and several calls were placed since that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Internal Check Systems, LLC
State: CA

Complaint narrative:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over XXXX points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
When checking my Bank Of America checking account in XXXX in 2019 I noticed a {$50.00} withdraw at XXXX that I have not made. I contacted the BOA customer service to stop my card and send me a new XXXXne. I rechecked my account a couple of days later and I found out that before ever receiving or activating the new card, two charges appeared on my bank statement. A charge of {$800.00} from XXXX XXXX with {$3.00} charge and {$100.00} from XXXX XXXX ATM on XX/XX/2019. I contacted XXXX again to inform them that I have not received the new card and there are new charges that I have not made. The bank stated that they have sent my card to my address and was activated. I opened a new claim. A month later the bank denied to pay me the {$50.00} and {$900.00} and closed the two claims. Later I send BOA a letter requesting them to reinvestigate and open the two claims. I have also sent a police report for my lost card and the charges made. The bank again declined to pay me back my {$900.00} and closed the claim. They accepted to pay me back my {$50.00}. I spoke to BOA customer services more than three-times to request information about why they have declined to pay and what they have found during the investigation. I never got an answer to any of my questions, they state that they don't have permission to give me any details about what they found during investigations and told me that the person that made the withdrawal looks like me. They have accused me of stealing my own money. I am in the process of closing and withdrawing all my money from BOA checking and saving accounts well as closing my credit card. What should I do to get my money back?

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 2020-03-03 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: KY

Complaint narrative:
I am trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a 3rd party debt validation letter to NCB Management Services Incorporated requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$2300.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), NCB Management Services Incorporated has failed to validate this alleged debt. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.

Company response to consumer: Closed with explanation