vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
PayPal Bank allowed our CHARITY 'S Merchant Account ( XXXX ) with a balance of {$74.00} to be hacked and stolen. Law Enforcement has been notified. After MULTIPLE ATTEMPTS to reach out to the bank to close our account and mail us the entire balance that we are LEGALLY ENTITLED TO to our registered business address at : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, they have illegally seized our CHARITY 'S donations and broken federal laws. 

We want the entire balance of {$74.00} mailed to us via Certified Cashier 's Check to the registered business addressed listed above within 14 business days or we will seek Federal Investigations, as well of dozens of consumer complaints publicly displayed, and notifying national television networks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$34000.00}, {$7700.00}, {$4000.00}, {$19000.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

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 2020-07-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX I XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DC

Complaint narrative:
I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DC

Complaint narrative:
I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: CO

Complaint narrative:
True accord assumes if you dont respond to their unsolicited emails, they can start a payment plan, basically restarting the clock on debts.

" We do take payment promises seriously here at TrueAccord. I will be noting this agreement on your account ; if we don't hear from you, we will assume this date works for you '' I have not agreed to any payment plan whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I'm getting numerous calls from national credit adjusters. I have never done business with them. They threatened me and I made a payment due to being scared. Now they are calling and calling and I've blocked them and they continue to call me. I called the company they state they are representing and let me tell ya they say there are several accounts and I'm like what?? But yes I called and the company said they have no clue who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I spoke to capitol one about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up  to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MD

Complaint narrative:
Bank of America. I had reported and cancelled a card that was stolen XX/XX/XXXX. On XX/XX/XXXX {$4300.00} was debited unauthorized! I also have an alert to check with me for any transaction over {$500.00}. The amount was taken says XXXX XXXX. All my bills have declined in lumpy electric, Im out of state my account can not use my card at all. My family back in Maryland can not get food. This has left us helpless. I escalated the investigation of the fraud by getting a letter from the general manager at merchant stating DID NOT do this. This was faxed XX/XX/XXXX. This has been over a week and my account has not been corrected. B or A explained to me this can take up to 45 days! This is very unacceptable. This was FRAUD, I did not authorized this, and I was not even alerted over {$500.00} was being taken. This has made life extremely difficult for me and my family. As of this date Im out of state and not sure how to pay for anything BECUASE the account is not being allowed to be used. Any real transaction is being declined. Please help

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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
I received notice on XX/XX/XXXX that I had an account in collections. I didnt recognize the company and knew Ive been paying bills on time. So I reached out to the company and asked what account could I have in collections? I was told it was an old account from XXXX from XXXX XXXX XXXX tv service. Its an old debt they received in XX/XX/XXXX. I stated this account was paid off Back in XXXX. I asked if my account was with them since XX/XX/XXXX why is this the first Im hearing of this? The male rep stated they never sent out any correspondence to me. No letter, no phone calls, no nothing. So I asked them to take it off my report. The man said he would do so but didnt know when it would occur. This has caused my credit score to decrease 40 points. This is hurting me since Im trying to buy a home but this reduced my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2020-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
So i opted to have my PUA ui unemployment payments direct deposited to my Cash App account ... Well i only received an amount under what i was originally supposed to get ... i was supposed to have had around XXXX deposited into my cash app account & i only received XXXX of it ... So i reached out to Cash app support through email & a few days later i got an email back & the lady said that basically no more than XXXX can be deposited at one time, so i asked if they could deposit the remainder of my money & she replied saying they couldnt do anything & advised me to reach out from where the money was being deposited from?? I asked her if the money was going to be returned to the original place it came from & she said yes it would be..with in 3 to 5 business days ... I tried asking replying back to the same person from the email from cash app to see if they returned my money yet & she preceded to tell me that she could do anything else further for me, that she has given me all the information she could ... So then i reached out to the Georgia dept of labor, again through email & the gentlemen i spoke with told me that everything looked fine on the depts end & basically they couldnt do anything to help me either .... So now this is my last resort to trying to get my money returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint against citicard credit card Mastercard XXXX XXXX XXXX name on card. 
On XX/XX/XXXX my credit card was denied. I went online to my account and saw faudulent charges to XXXX  XXXX XXXX XXXX On XX/XX/XXXX two a charge for XXXX and a charge for XXXX On XX/XX/XXXX separate charges XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Fraudulent charges totaled 14, XXXX I immediately reported this activity to citicard, account was closed and I was told I would not be responsible for fraudulent activity. I NEVER recieved even 1 alert about these highly suspicious charges. I never use my credit card for any purchases like this. In addition citi card allowed my account to go XXXX over my limit. This was again a big red flag. Only when I called them on XX/XX/XXXX did they realize the fraudulent activity. On all my credit cards I get alerts for much less suspicious activity. My son is an authorized user on this card and was about to close on a mortgage. When this showed up on his credit the mortgage company said it affected his credit rating. I am the primary on the card, took him off the card but it caused his credit rating to go below the accepted level for the mortgage. He is still hoping to close. 
I contacted XXXX XXXX the security supervisor at Citicard on XX/XX/2020 only to find out that the investigation had not even started and could take 90 days before they remove the charges. I need to get my credit repaired asap. 
Citicard failed to id these fraudulent acitivities and now I am still waiting over 1 month later for the charges to be removed from my charge. XXXX said it could take 45 days for the merchant to give an explanation. THis makes no sense. Their negligence is causing my son to possibly lose his loan. XXXX XXXX can be reached at XXXX My credit score dropped significantly. I need these charges removed so I can contact the credit bureau. I also sent a letter to Citicard XXXXXXXX XXXX XXXXXXXX XXXX XXXX S. Dakota XXXX as advised by XXXX XXXX, the security supervisor. 
I am attaching a copy of this letter. I have not heard back and it has been over 2 weeks. Thank you for your help

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 2020-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2020-07-24 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Payoff amount provided by Rocket Mortgage 's personnel and by their website is more than the Closing disclosure document provided. All payoffs are based on a XX/XX/20 closing date. I'm refinancing with the same company ( Quicken-Rocket Mortgage ) as my current current loan. As such, you would think these numbers would match?? 

Payoff amount according to website viewed at XXXX XXXX and XXXX XXXX on XX/XX/XXXX : XXXX Payoff amount according to customer associate " XXXX '' at XXXX XXXX on XX/XX/20 : {$300000.00} Payoff amount according to closing disclosure document on XX/XX/20 at XXXX XXXX : {$300000.00} Payoff amount according to closing disclosure document on XX/XX/20 at XXXX XXXX : {$300000.00} When asked to explain why the closing statement is different than their own Payoff page and from their customer agent, they refused to provide me the data. in fact, as you can see, the payoff amount continues to increase with no viable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NV

Complaint narrative:
This isnt my account, nor did I authorize these companies to pull my credit. Please remove them.

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