vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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 there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My bank america account had fraud done to it in 2016 and Bank of American never resolved the issue. I sent them everything they needed and I cooperated every step of the way and they never resolved the issue because they didn't find any evidence of fraud supposedly. They state that I owe them over {$10000.00} for something I had no control over.

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 2020-08-11 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: MA

Complaint narrative:
I charged {$35000.00} for a cruise in XX/XX/2020 The cruise line XXXX cancelled the cruise in XXXX I disputed the charge Citi issued a conditional credit XXXX refunded the {$35000.00} to my Citi Bank Double Cash Card on XX/XX/2020 I requested a refund of the {$35000.00} either by check or deposit to my checking account Only XX/XX/XXXX, XXXX at XXXX, XX/XX/XXXX : replied " Expect to receive your refund check in the mail within 7-10 business days. you'll get a confirmation on email within 1-12 hours. 

Be rest assured Citi is with you. '' On XX/XX/XXXX they were still sending me messages saying the " credit balance is due to the conditional credit that we issued for an item ( s ) currently in a dispute status. " Also it was not in dispute status and they had the merchant credit On XX/XX/XXXX, Citi Said " Thank you for your patience! 
The dispute is successfully withdraw. I would like to inform you that, your last statement balance was {$280.00} and it got automatically deducted from the credit you have on the account. 
So I am going ahead and credit {$34000.00} to your checking account. You will receive the credit within 3-5 business days " This was followed by " I have process the credit balance refund. You will receive the fund within 3-5 business days, to your checking account.

Rest assured! '' Today I was told t would take another 7-10 days for them to review the refund request Basically, CitiBank is refusing to refund the money they owe me The billing dispute case ID was XXXX This should identify me to Citi

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 2020-08-11 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: NY

Complaint narrative:
I have one account with XXXX in good standing and for some reason they have two more accounts under my name

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 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alpha Recovery Corp
State: MO

Complaint narrative:
Alpha Recovery Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Did give out my personal information ; date of birth, last four of  my social security number, on a recorded line, without properly identifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MI

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: TX

Complaint narrative:
repeatedly calling my place of employment after being told to stop regarding a debt that is unknown to me, also has been using the name XXXX  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-08-11 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: MO

Complaint narrative:
Us Dept Ed Last reported XX/XX/XXXX Account Details Account type Student Loan Account status Open Balance {$1100.00} Monthly payment {$50.00} Interest rate 9.90 % Date opened XX/XX/XXXX ( 26 yrs 11 mos ) ____________________________ The above is a screenshot of what appears on my credit report. Please note the Date Opened. 
I was no longer in school in XXXX graduated in XXXX. 
XXXX This student loan shows it was opened XX/XX/XXXX however I graduated XX/XX/XXXX. This is incorrect, I have had my taxes offset and made payments directly on a loan that was opened 5 years AFTER I graduated from school. 

XXXX  is requesting copies of my social security card. They have names listed on my report, XXXX XXXX? Former married name was XXXX. Not sure where XXXX Came from. I refuse to furnish a copy of my social security card as they obvious have issues with security.

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 2020-08-11 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient is reporting that i have {$5400.00} of new debt on my credit report. I was notified that starting in XXXX that as a presidential ORDER that I was not going to have to make FEDERAL student loan payments. NAVIENT is fraudulently reporting that I am not making payments and my LOAN is not being marked as paid. PER Their letter no interest should accrue so why do I have a new additional balance of {$5400.00} on my credit report since XXXX? This is absolute FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I am writing to you to complain regarding the handling of a dispute case with Barclays ( the Issuer ). I am experiencing issues with this Issuer since XXXX. On XXXX XXXX, I had a telephone conversation with Barclays representative ( Agent # XXXX ) regarding this dispute case ( # XXXX ) This charge is regarding an airline ticket billed on XX/XX/2020 ( Merchant ). Up to date, I am unable to get the credit back for this transaction back to the account despite that the Merchant has agreed to refund me back ( see Attachment A. and B ) Back in late XXXX, the issuer has closed this case because " the date of the departure '' was not provided ; whereas, that date was provided to the Issuer over the phone over two occasions prior to the date of case closure. In XXXX, XXXX and XX/XX/2020, the Issuer claims that they have not received a letter from the card member ; therefore ; they are unable to open the case ; whereas such letter was provided already on multiple occasions ( see attachment C and D ). Original letter also attached.

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 2020-08-11 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 there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-08-11 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 there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XX/XX/2020, I filed a dispute with XXXX, XXXX  and Transunion credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX  credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
This company called us asking us to refinance our home and we informed them we were not interested after taking to their representative ( XXXX XXXX XXXX ) and from that point on the harassment started. They called our residence over 15 times during the month of XXXX with different people each time and stating they were form another mortgage company, but all still calling from the same area code in XXXX, Michigan. They used every company which fell up under them, XXXX XXXX, XXXX XXXX XXXX and more. After telling them that their counterpart ( XXXX XXXX XXXX ) was very rude, disrespectful and we wanted nothing to do with them, they took it to another level. They called our current mortgage company, requested a payoff amount, contacted our insurance company and had them stop my direct payment and told them it would be paid through escrow. They created their own email account when they added themselves to our mortgage account as a third party to receive information about our account and they sent in forged forms with my signature requesting they be added as a third party. It was very time consuming to trace all of their steps and have everything they did erased and to keep them from accessing my accounts. This company license should be taken away from them and they should not be allowed to conduct business as an LLC or any form of company. We did not at any time sign any contract or papers with this company, but they pushed forward to disrupt our life and make it extremely stressful to fix all of the things they put in motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. 
I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. 
This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but Glasser and Glasser has made it a mission to harass me and go around the law to win their motions. 
I need this summary hearing postponed. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I opened an account with HSBC. The account advertised {$600.00} ( {$100.00} XXXX per month during the first 6 months after account opening ). I called HSBC 5 times shortly after opening account online to confirm offer. The customer service representatives ( CSRs ) hung up on three times, got transferred once and finally the last CSR said for me to close account and reopen it however I could not do that on the call because my funds were not received. 

I also received 4 emails from HSBC that I did not read till XX/XX/XXXX. First email, stated my application ID XXXX time out. Second email, application XXXX was approved. Third email, provided me with the activate link and instructions of a 6 digit code that I deleted on the XXXX. I had no idea why I was getting 4 emails and a code to activate the account. Did the account opening platform failed to give me this information? The CSR certainly didn't tell me I had to activate the account. 

I don't think that I should have to open another account to have the bonus offer applied per the CSR instructions. Additionally, when you open an account the instruction that were sent to my email should be disclosed. How would I know that there would be 4 emails and a text following to activate an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: RANLife, Inc.
State: UT

Complaint narrative:
Sometime in early 2020 RANlife Real Estate ( NMLS # XXXX ) " sold '' my loan from their XXXX division ( NMLS # XXXX ) to their Loan Servicing division ( NMLS # XXXX ), but the communication of this change never indicated I would need to change my BillPay information ( in fact, they can not even provide me with evidence I ever actually received any such notification ). 

As a result three of my payments went to my old account ( owned by NMLS # XXXX ) and were not applied to the new loan they generated in their Loan Servicing Division ( which is also their own parent company - NMLS # XXXX ). The result is I have three " missed payments '' on my credit report which were not missed at all. This had a significant negative impact on my credit report/score. 

I was never even notified of this until I received notice that my loan was in default status. I called their office several times and at no time did any of their representatives ever mention this issue. I had to sort out their mess on my own time. I had to work with their mutually shared " loss mitigation '' department in order to buy myself the time to undo the mess they created. ( It's also worth mentioning the only " help '' I got from their " Loss Mitigation '' department was an " offer of help '' that DOUBLED my monthly mortgage payment for SIX MONTHS. ) This has been a horrible experience and has created extensive damage to my credit. 

Reference CFPB Complaint Number XXXX, and you will see where they stated they FINALLY got around to returning the funds - so I could take still MORE of MY time to fix this issue. ( Also worth mentioning it took them a month after their reply to return all of the funds they stated to have returned in their response to you. ) This is a HIGHLY UNETHICAL company.

Company response to consumer: Closed with explanation