vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 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 FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.

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 2019-08-16 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 FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but Bank of America won't remove this from my 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have faxed several times trying to get a copy of the bank this Home Line of Equity was deposited to as follows:1.)  $XXXX deposited to checking account #XXXX  with no Routing number of       bank name.2.) Undisbursed funds $XXXX3.)  $XXXX      $XXXX XXXX  XXXX      $XXXX XXXX XXXX      $XXXX XXXX XXXX4.)  $XXXX Mortgage Real Estate TaxCredit Line:     $XXXX  Total  I keep faxing to XXXX with a response that is not answering the questions I have repeatedly ask for many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: MD

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, XXXX and Experian. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.

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 2019-08-16 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: MD

Complaint narrative:
XXXX XXXX of Delaware has negative reports on all three credit reporting agencies. I was a victim of identity theft in 2009 and I never had a credit card with them. The identity theft was reported to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
We had entered into debt consolidation with XXXX XXXX and Synchrony Bank agreed to a settled payment. In XX/XX/2019, we sold our house and found that Synchrony Bank had placed a lien on our home. To head off any additional problems, we paid them off and they were supposed to issue a release on the lien. We closed on our house onXX/XX/2019 with the Title company paying off this debt. It is now XX/XX/2019and they still haven't released this lien! We recently purchased some land and this is now going to hold up this closing just like they almost did back in XXXX. We feel no other recourse at this point but to sue them in XXXX county Arkansas court to have this lien removed as well as for all Attorney fees. Throughout this entire ordeal, Synchrony Bank has been rude, condescending and unhelpful. Even the Title company has commented multiple times that they had dealt with this same issue many times before with no issues, but this is the first time they have ever dealt with a bank that seemed dead set on being as difficult as possible. They even acted like they didn't want to be paid off! Steer clear of ever doinf business with this company!

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 2019-08-16 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: MD

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-16 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: MD

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Since XX/XX/2019 XXXX  has been continually reporting to Equifax that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/26,XX/XX/29,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact Equifax to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to Equifax on XX/XX/14 for an hour and they too have informed me of exact details of XXXX incorrectly reporting to Equifax. XXXXXXXX is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I tried to use the Bank of America Debit card to pay USPS for money order the payment didn't go through.  Date: XX/XX/2019 Amount XXXXBank never sent me replacement debit card for almost a year after expiry.Went to the bank they were not able to do anything and come back later or call in.Called Bank they said the debit card was cancelled  for non use few years ago. Concern: If I was in need of funds I wouldn't have ever have access to it as my debit card was cancelled without my knowledge.

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 2019-08-16 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: CA

Complaint narrative:
I was a victim of identity theft and notified EXPERIAN credit bureau who is not helping and removing the fraud address and account off my report. they keep telling me they can not read my police reportI HAVE BEEN FORCED TO GET A 2ND POLICE REPORT which they still say they can not read. how is that my problem they can call the police station that issued the report. I have already been going through enough since my identity was stollen and used. they are not removing it giving me the same excuse why do I need to go get a 2nd police report when I already got one but I still went ahead and got a 2nd one. this is unprofessional, they are rude to me, yelled at me and the supervisor I asked to be transferred to used profound language with me and hung up the phone. that is so unacceptable as a supervisor to do that. I am already stressed out and this has taken a toll on me I don't need this from them. they said they could not read the first police report I went and got a second one. I do not know what the issue is and why they are doing this to me. somebody should take a look into there company. by FCRA 508b they are obligated to block/remove the account/s if provided with a valid police report, within 4 business days. which they have been provided with 2 different ones. they are breaking the rules and law. EXPERIAN needs to remove the fraud account from XXXX XXXX off my report immediately and remove the fraud address of XXXX XXXX XXXX XXXX XXXX ca

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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Product Collect
XXXX XXXX XXXX XXXX XXXX Texas XXXX

Is attempting to collect   $XXXX for XXXX XXXX XXXXs in XXXX Texas. I have informed the collection agency to stop calling me but they keep calling and harassing me.

I tried to settle this account with them over the telephone but they placed me on hold for over an hour.

Please advise 
 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 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I saw that I no available funds in my PNC checking account.  I contacted the bank 5 times using their 800 number for an explanation.  The call center representatives refused to provide an explanation.  My husband and I went to a branch location.  The branch representative also contacted the call center.  He was told that the account was on Hold and the person that had place the account on hold as not in.  No other information was provided to the branch representative.  I called my attorney will sitting in the branch office.  My attorney told me to have the Branch representative contact PNC's legal department.  I asked for PNC's legal departments number and the representative would not provide it.  My husband and I left the branch.  While driving home, we received a call from the PNC branch representative.  He stated that the account had been placed on hold due to individual, posing as my husband, had visited a local branch and had tried to access our checking account.  The branch representative told us that the individual could not say our last name.  No additional information has been provided regarding this incident.  We returned to the branch and the branch manager was finally to get our account off hold and moved to a new account. While we were at the bank, we found out a XXXX check had been written.  It did not clear the closed account.  We were not provided with any details about the check.  We left the bank at XXXX XXXX  that night.  Despite my husband's identity theft, the call center has not provided any additional information.  We need to know exactly what happened and a copy of the XXXX check.  We have filed a police report.  The call center at PNC bank needs to be closed.  The branch did help us but they don't have information about the incident.  PNC's horrible call center needs to cooperate with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXXI disputed collection debt with XXXX XXXX XXXX (this is their new name), with all three collection agencies providing copies of cancelled checks from XXXX   throughXX/XX/XXXXwhere the company would return my payments on my debt stating they won't accept it unless I pay the debt in full.  The company initially was accepting my payments but began returning my payments.  I'm on a fixed income due to illness and at the time I was also paying my XXXX, my treatments & for my medication out of pocket and was sending XXXX to XXXX month.  I won my disputes with the credit bureaus and the collection company and as a result, this was removed from my report.  In XX/XX/XXXX, Experian allowed XXXX to put this back onto my report again (Only with Experian); this is fraudulent behavior and I've reached out to Experian, last year and again this year, with no response.  I've also filed a complaint with the AG's office about both companies: Experian & XXXX.  I provided the necessary documentation to successfully dispute and it's unethical at this point to ask me to 'find something' yet again!

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 2019-08-16 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 FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My husband and I both did credit freezes with all three major credit companies in 2017 when the breach happened.  We are applying for a refinance of our home and needed to unfreeze our credit for the application.  With XXXX and XXXX  we had absolutely no problems and it took 2 minutes maximum per company.  With Equifax, however, we've had major issues. We both have the pins that were sent to us when we first did the freeze in 2017.  When we went to log online, the website was confusing and I went first with my attempt to unfreeze and was told to set up and use Lock and Alert instead.  It was pretty easy to sign up for an account and I was able to unlock it.  When my husband went to do it however, it said he had no MyEquifax account nor a Lock and Alert Account. He signed up for both but got a message saying that he wasn't able to proceed because of verification issues and they'd either send a pin via postal mail which could take up to 21 days or he could call a customer service number. We needed to unfreeze the account today so he called. He went through the whole verification process with the person on the phone and then was told, after spending 20 minutes on the phone, that he would have to be transferred to someone else. He had to then repeat all the same information and they were able to lift the freeze over the phone but said that there was a problem wtih the website and he couldn't log in for 24 hours.  He asked to speak to a supervisor, was put on hold and then disconnected.  He called back again and spoke to someone who took his information and then transferred him to another agent. He had to again repeat all the same information (after being told that he wouldn't have to and the agent would relay all of it).  Finally they were able to grant him access to MyEquifax, but he was told that they couldn't get him logged into the Lock and Alert because it was a different product and they'd have to transfer him.  The agent said he would personally call to make sure it was transferred.  The agent came back on and said that he tried calling that number himself and for some reason it wasn't going through but that my husband should call himself. The number he gave him was the very first number that my husband called that started this whole debacle. When he told him that, he again put my husband on hold, went to another supervisor and got a different number.  He hasn't tried calling this new number yet because it's already been 2 1/2 hours, but this is a huge issue with Equifax and a huge complaint.  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a checking and money market account with TD bank on XX/XX/2019. I wrote them a $XXXX check from my old checking account (XXXX XXXX) the same day to start up my checking account. $XXXX went to my money market fund and $XXXX to my checking account. This is the ONLY MONEY THAT WAS POSTED TO MY ACCOUNT AS OF XX/XX/2019.  I had another $XXXX to be that was transfer to my checking account to TD bank. I called and asked them WHY they are NOT giving credit to my account.  I also received a letter from TD bank TODAY (date on letter is XX/XX/2019 saying it would be 6 days for me to receive my money.  It has been 8 days as of today. When I talked to them, they gave me a poor excuse for an answer. They claimed that my old bank could try and collect my money back but I explained to them that I closed down my accounts with XXXX XXXX 4 DAYS AGO.  I told TD bank, YOU HAVE MY MONEY AND WILL NOT GIVE MY MONEY TO ME. They had no response to that . I told them I was going to file a report with CFPB and that you have helped my in the past.

Company response to consumer: Closed with explanation