vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: WA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} XXXX  XXXX {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these 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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these 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 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Dear CFPB, im writing to you because im very frustrated with my mortgage company it is now over 3 months since i reached out to them because my income changed drastically due to COVID-19. 
Now my mortgage company is telling me who is XXXX  XXXX  that i don't qualify because my investor feels that i don't deserve a loan modification because im not behind with my mortgage payments.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has not resolved the incorrect late reporting of XX/XX/XXXX for mortgage account with XXXX XXXX XXXX. I have submitted an earlier investigation on XX/XX/XXXX with no change in reporting. I have just reopened another unnecessary investigation as XXXX has already acknowledged there was no late reporting on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: PA

Complaint narrative:
my identity was stolen and I have notified the credit bureau of this. I have attempted to dispute these fraudulent items and the credit bureau has not complied.

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 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I have sent to XXXX XXXX XXXX XXXX XXXXUSD that should have arrived at XXXX XXXX. XXXX Branch, Beneficiary account number XXXX on XX/XX/XXXX, but the money never arrived at the destination. The Trace id of my transfer is XXXX. 
Could you, please, inform me of the whereabouts of my transfer? 
Please mail me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I was approved for a credit card from Citi on XX/XX/2020. I received the card a few days after approval. I used the card normally until I received a letter in the mail stating " We tried contacting you about suspicious transactions on your Citi Double Cash Mastercard account ending in XXXX but were unable to reach you. Until we hear from you, future transactions maXXXX be declined. '' I never received a call or a mobile alert stating this. I reached out to customer support and they said they needed to verify my identity before unlocking my account. The methods used were : Demanding I have or get a landline in my name because my wireless account " is not registered in my name '' and to contact XXXX to update the record. Which I did, still did not work for the verification. Next was for me to read them every credit card number I own. Since I have not had any of the cards longer than 2 years, that verification method did not work. Next, they wanted to call my employer, but when I provided the contact information, they did not want to verify using that method. Next, was they wanted my entire social, I obliged and they stated they could not verify me and that a letter would be sent and to give them a call when I receive it. It has now been over a week and I reached back out to customer support to inquire the status of the letter and the representative informed me the letter has not been sent and to wait another week for another letter. My account has been locked and the bill for the account is due in 5 days which the letter will not get here in time. I have requested to speak to supervisors and even their manager to no avail. I do not know how you can verify and issue someone a credit card, let them spend money on the card, and then state they have no idea who they are.

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm going to start from the very beginning again with this complaint. At the end of XX/XX/XXXX I submitted a complaint about Capital one to CFPB because of a secured credit card I applied for in XX/XX/XXXX, which was approved. I gave a deposit of {$250.00}, they took the deposit and never gave me a card. I communicated with them over the phone numerous times, nothing worked. Even when they promised me a card in the mail, they still didn't keep their word. Apparently, there was an issue of me identifying myself, which I tried to do numerous times using their useless link that never worked. They never cared to resolve the matter another way anyway. They also kept my deposit and never tried to reach out to help me resolve the issue. I guess it's just easier for them to keep money that isn't theirs than to actually give good customer service. Fast forward, I realized they will never send me a card so I made this complaint and they sent me a letter denying all the important things I stated in my first complaint because and I quote " we were unable to find any calls where you were provided the information you submitted in your complaint. '' Understand that my credit is fairly unused and inaccessible even to me. Reason why I even bothered applying for a credit card with them, to establish my credit.Very recently, I accessed my credit history and found out there was a fraudulent Capital One credit card opened in my name almost a year ago, XXXX of XXXX. How Capital One was able to get ID verification for that fake account, I do not know. I wasn't able to get a credit card with them but somehow a fraudulent one was so easily approved by them. Everything is so suspicious about that account that I'm starting to think this is an internal issue within Capital One. Like how the balance on the card is more than double the limit and the past due is {$0.00} while the unpaid balance is {$610.00}. Like how the account has been paid since XXXX of XXXX, maybe for XXXX but XXXX, XXXX and even XXXX of XXXX were not paid but it shows as up to date and paid, so suspicious. I briefly mentioned the fraudulent account in my first complaint in a file that I sent them, although looks like they didn't even look at any of the picture proof I sent. I screenshot everything so they see the proof, which I will do a second time for this new complaint. Hopefully they bother to even look at them because I'm going to fight to get this fake card removed off my credit as it is completely unfair that Capital One can so easily approve fraud accounts but not real ones when the real owner request it. If any additional information is needed of me, let me know so I can send them by email. I started reporting everything and will continue to do so. I want a {$250.00} refund and the fake account in my name to be closed by Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy fed XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 Every time I go to this branch I have a different issue. First it's not my bank account because it's a joint account with my husband being the primary. How is this when I opened my account in XXXX and my husband was added at a later date. All I wanted was a cash advance. On my XXXX account. Which is my primary account. I wad very rudely told it was not my account so I couldn't do that. Them I was told that I needed permission from my husband to take money out of our account. Finally ehen I finally had enough I told them to close all 4 of my accounts. Which had way more than the cash advance I was trying to take from XXXX. I always have problems with this branch. I will never use your bank again because of this. I wad told I need to open my own account. Really because the 1 joint checking account and 3 savings accounts mean nothing. What the he'll do I need another account for? I was very rudely told to go back our side and wait. Really I just waited 15 min. Outside to even see the rude teller and her suoervisor. So no im not going outside. This branch is a joke.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
I just today XXXX XX/XX/2020 XXXX received a physical letter saying they are collecting the debt of {$150.00}. They have today alone called my daughter, my brother in law, my sister, my father, my husband all before calling me at all. I will attach the message from my brother in law. As soon as I received a message ( they use a " unknown/spam '' number ) I called them. By then my phone was already ringing while on the call from them yet again, granted yet another number so I did not know until I got that message. After making an arrangement I called back and the woman was very rude and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Back in XXXX I opened an account with Citi Bank when they were offering their promotions. The specific promotion I applied for was : " Deposit {$15000.00} into a Checking and Savings account at Citi Bank and hold that for 90 days and then your money will be deposited. '' It has been 100+ days since I have had my account, I still have over {$15000.00} in my account and they have not deposited my money. Every time I call ( it has been 15+times ) someone on the customer service line makes an excuse for why my money isn't there or sometimes they just hang up on me ( yes I have just been randomly hung up on because they have no answer to my problem ). I personally work at another bank and I know we always follow through with our promotional offers, but I am afraid Citi Bank is scamming me. I have read other reviews online and they have done this to other people as well. Please help me get my {$400.00} so I can close my account and never come back to this bank 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 monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} XXXX XXXX {$12.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation