vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: CORELOGIC INC
State: IL

Complaint narrative:
I have reached out to this company several times via mail and no response due to two inquiries I noticed on my credit report in XX/XX/2019. I spoke to a customer representative in XXXX who I indicated that there were 2 duplicate credit inquiries on my credit report from them. They were able to search the system to tell me it was a company that requested my credit report called XXXX XXXX XXXX I indicated to them that my identity had been compromised and my bag was stolen which pertained my laptop, wallet and other personal items. In addition there is a fraud alert on my credit report, that does not allow any one to pull my credit unless I authorize it, in which I did not make no such authorization. I also noted that my identity was compromise and I had a police report. As of now these inquiries are still on my credit.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my official complaint against TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) for Case number XXXX Judgment of Possession on XX/XX/2018. This information is inaccurate and unverified directly by XXXX XXXX XXXXXXXX XXXX And XXXX XXXX, XXXX XXXX, Florida. According to XXXX XXXX XXXX records searched by XXXX XXXX found NO SSN or Drivers License or any other verifiable identifiers that ties my name XXXX XXXX directly to this eviction from XXXX XXXX. As stated by XXXX XXXX, there are several XXXX XXXX 's in their database and no identifiers that ties this eviction to me. Under The Fair Credit Act, you are required by law to remove this inaccurate unverified information from my consumer report immediately. XXXX XXXX, Florida is the original source and I have attached their original letter sent me by request of the clerks office as proof that this eviction Case number XXXX is not identified as XXXX XXXX with correct SSN and Drivers License. Original emails to the clerks office was attached. 

I have supplied TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) with this information and they refuse to remove this unverified information and continued to update Case number XXXX was updated to show as Judgment of Possession on XX/XX/2018 on your consumer report. TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) is violating my rights Under The Fairs Credit Act 605, 609.

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 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have multiple accounts from Preferred collections XXXX XXXX XXXX XXXX XXXX, FL XXXX, some of which are a duplicate accounts starting at {$720.00} dollars and down totaling over {$2000.00} on my credit report. The accounts are not in my name and do not belong to me they have not sent any communications about these accounts via mail. I have made multiple attempts over the last 3 months to have these removed I have requested documents to show that they are my accounts and have not been received each call I have made Ive been told to call back in one week. I have submitted a total of 4 disputes to the credit bureaus and they have not been removed due to being accurate even after the disputes this collection agency does not send any communications and refuse to delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NC

Complaint narrative:
I AM A VICTIM OF 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 2020-10-29 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-10-29 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have been trying to deal with XXXX XXXX XXXX  and their conversation to US Bank and US Bank has refused to provide me any information on my account. I have tried calling, emailing, sending XXXX messages, and asking for a manager and have reached out to their regulator and still have received nothing about my account. I fear that as a XXXX minority that I am being ignored. 

I have been told that to get any information on my account I have to drive from the XXXX NY area to a physical branch. I have requested paper copies of the disclosure and the account information that they have told me they would provide. They have to date refused to provide me with any disclosures on my account as apparently they are required to provide according to XXXX XXXX XXXX I have called them over a dozen times and they have not helped me. I have reached out to you and all you do is forward me a copy of a letter telling me to contact them. As a XXXX minority who lives several hundred miles away from a US Bank Branch it is hard for me to get to a branch and I simply have asked for a reasonable accommodation to obtain information about an account I was never told would be transferred to US Bank. I fear that this is some unfair sales practice designed to steal my money. 

Please help me find my stolen money. 
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 non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/20, my title company, XXXX XXXX XXXX, paid off my loan with CMG Financial Services, XXXX, New Jersey, on property in XXXX, California. Since that time, I have been patiently waiting for CMG to process the escrow checks in the amount of {$7600.00} and {$52.00}. To this date, I have not received any correspondence from CMG. I contacted CMG Customer Service by phone on XX/XX/20, XX/XX/20, XX/XX/20 and was told that the check had been issued and I should have received it via the USPS. On XX/XX/20, I contacted CMG Customer Service, Loan Administration Dept to request an investigation. On XX/XX/20, I received an email from XXXX XXXX, Support Representative, Question Reference # XXXX stating that CMG had requested a stop payment on previously issued checks and re-issued a new escrow check. I was to receive the replacement checks within 10-14 business days. It has now been more than 3 months since I have tried to resolve this matter to no avail. Therefore, I would like to file a complaint to find out why I have not received my escrow checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
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 2020-10-29 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: IL

Complaint narrative:
Loan was paid off and submitted to Experian and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was closed and paid in full.

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 2020-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My payments for 12 years were paid by military allotment. XXXX we got a call Bank of America had not received our XXXX payment. We sent proof military allotment paid electronically as always. Investigation will take up to 30 days. Bank of America also had a system change and it effected a lot of payments. We stilled received late notices while we waited. XXXX come again military allotment payment sent but they cant find it. We send proof. 30 days not up yet. We received certified mail ( which I refused ) stating we are 2 payments behind now. I filed a complaint, that was crossing the line in this situation. Today I call I was informed the payments were sent back to military allotments and they will no longer accept MILITARY ALLOTMENT payments. That is so wrong in all areas. I felt like they do not want to deal with the military almost disrespectful. Paying by military allotment gives the military member a peace of mind his/her family is taken care of as they are XXXX and The family doesnt have to worry about making the payment. I called military allotments told them, they having none of that information. I received the payments tracking # s and called Bank of America. They said it will take 5 days. I asked about no Military Allotments no longer accepted she said that was correct. I had to do all the research to prove the payments which at this point I have to wait and see if they find with tracking # s and to deal with the feeling my husband and many military members give there lives ( some loosing their lives ) so we all can have this freedom some take for granted.

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 2020-10-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
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 non-monetary relief
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  Opened on XX/XX/2020 and was paid off by consumer. Loan was paid off and submitted to Transunion and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was closed and paid in full.

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 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
Received letter showing a past due debt from XXXX XXXX. I went through a debt consolidation a few years ago and settled all of my outstanding credit card debt. Since this time, Ive been able to get a couple of credit cards from XXXX XXXX which seems very odd they would offer me new accounts if I was trying in default on an account with them. Ive contacted the debt collection company, The Bureaus in XXXX, IL, and notified them that I disputed the debt. They have sent no additional information about the loan to verify it is accurate. It is showing up on my credit reports and I do not feel that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
Received several calls claiming to be from the " Collection Bureau of the Hudson Valley '', stating that I have an outstanding debt that is now in collection. Upon evaluating my credit reports, I have no outstanding debts. Calls were from XXXX, with request to call back XXXX. Received the calls on many occasions, including XX/XX/2020, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I transferred money through WesternUnion and money was deducted from my account at the same second. After a few minutes i got email transaction was not approved by the bank and to call the number behind my card.

I called bank and they confirmed money was transferred at the same time and there was no delay from their end.

Then i called WesternUnion and they said they have got the money but they can not process the transaction and it will be refunded to my bank within 7 working days. I borrowed that money from a friend to send my family. My brother had accident and they immediately needed money. WesternUnion union claims on their ad, website and apps that money will be transferred within 2 minutes even their hold music is send money to your loved ones within 2 minutes No help from the staff and they kept on saying i have to wait 7 working days.

I understand the policy but i was told to call the bank because they need approve the transaction and i checked with bank and it was a lie. 
They were unable to give any reason for declined transaction. 
I even have my bank statement showing the money was gone to WesternUnion account. Who is liable for the delay and hassle their stupid website and false claims have caused. 
I dont want it to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX thru XX/XX/2020 multiple unauthorized transactions of {$7900.00} was debited from my Living Trust checking account fraudulently by XXXX. Bank  of America failed to Notify me of multiple debts 2-3 times on the same day. No fraudulent alerts were made to me to validate these debits. Due to COVID19 I was able to get an appointment to speak to a representative at the location on XXXX, XXXX, CA. I received a letter stating Bank of America is refunding {$4800.00} as of XX/XX/2020. I feel Bank of America should be responsible for the full amount. I trusted Bank of America to keep my money safe and I believe the bank failed to do so. I would appreciate you looking into the matter to give me a full refund of my money. Bank of America owes me a balance of {$3100.00} in addition to all over draft fees incurred from this fraudulent activity.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft, my Suntrust account was flagged and closed due to account abuse and now as a result I have a negative remark on XXXX  and have trouble opening a new 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 2020-10-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent numerous letters to Experian regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of XXXX  being able to say that they received information from any of these mentioned companies.

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