vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
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 ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -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 2020-08-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
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 ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}

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
Consumer complaint received 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}

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
Consumer complaint received 2020-08-06 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 trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
MY CREDIT SCORE XXXX. WOW and all with " we are here to help! '' Of course the LENDERS report as the lenders do the NEGATIVES IMMEDIATELY and EVEN THOUGH they have real time connection to incorrect information - they have XXXX to correcting wrong information-do they ; not SHOULD THEY ; RIGHT! THE SYSTEM WORKS FINE AND YOU KNOW WHY! YES, You the CFPB know this evil well but do nothing! A NUMBER OF INCORRECT POSTINGS AND IF AND WHEN THEY FINALLY REPAIR THEM NO GOOD! Then you have third party reporting and even when you have a number of complaints open about them they report wrong and then the case is closed immediately even though incorrect, full or misrepresentations and omissions and you allow this facade to continue. Then we have to actually hear " we are here to help! AND HOW WONDERFUL A CUSTOMER WE ARE. '' This is by opinion an ideal opportunity to destroy and get! Please by opinion a charade so enormousness it is beyond solution because its rooted in evil and no solution is possible unless you scrap all involved! Skip payments they never apply- withdrawals taken even when instructed not to via multiple legal notifications, omission, lies, deceit and no recourse! Yes by ones fruits!

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 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}

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
Consumer complaint received 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}

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
Consumer complaint received 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through XXXX  finance. XXXX did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due XXXX days. 

Calls to XXXX confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

XXXX has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over XXXX year.

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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv funding LLC is in Violation of FDCPA section 809b. I did not receive notice of dispute prior to the company reporting Account to the credit bureaus. A violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXXl ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, XXXX, and TransUnion for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, XXXX, and TransUnion, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, XXXX, and TransUnion credit reports. 

Thank you. 

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The last two payments were not applied correctly. ( XXXX & XXXX ) They were my monthly payments, yet both payments were applied to principal only. I have reached out to the mortgage servicer several times, yet no response, or correction. I have also previously filed a complaint on this website. Also, I want to make sure that previous payments have been applied when they have been received, since this affects how much interest I am paying.

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 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I had special financing following accounts with HCS ( hcsloans.com ). XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX The promotion was expired on XX/XX/XXXX. Since I set up the automatic payment system with HCS, I did not get paper statements. I was having problems with logging into my accounts on website. I had called several times to fix the problem and could not wait for too long so the calls were unsuccessful. Finally, on XXXX, I patiently waited to speak to one of the representatives and found out my promotion was expired on XX/XX/XXXX, and accrued interest was charged to my both accounts. I asked to speak to HCS supervisor, she said since it is within 30 days, I could pay off the amounts of {$510.00} and {$570.00} for both accounts if I made the payments that same day. So, I paid off both accounts on the same day, and she assured me that HCS would close the account with balance XXXX. Three weeks later, I received the statements from Ally Lending over {$1000.00} for each account. Apparently, Ally Lending has bought HCS and transferred all HCS accounts to collect the debts. They said they don't honor within 30 days pay off plan and promotions were ended on XX/XX/XXXX. They stated that HCS transferred accounts on XX/XX/XXXX. Since my original agreement was with HCS, they had accepted the payoff amounts and closed my account, Ally Lending has no right to reopen and try to collect the unreasonable charges. I tried speaking to several supervisors and was not successful. They are demanding that I arrange the payment to pay the accrued 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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
i am enrolled with XXXX  and have money saved to pay bills. My PNC bank will not let XXXX  through to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a direct message on XXXX from an account claiming to be a graphic artist and offering to do work for me. On the same day, at XXXX, I engaged the " artist '' and we came to an agreement on what I wanted and a price ( {$50.00} ). I was told that as soon as they received a confirmation of payment through CashApp, they would start my work. At XXXX, they provided their cashtag which is XXXX  XXXX. I then sent the payment and at XXXX, provided the screenshot of the payment being completed. The next day ( XX/XX/XXXX ) at XXXX, I was accused of not sending the payment. At XXXX, I logged on to my online banking and took a picture of the transaction showing that it was out of my bank account and processed. After some back and forth arguing, I once again sent the bank account transaction AND a screenshot of a completed payment from me to XXXX XXXX through cashapp. At XXXX, this person had the audacity to ask me for ANOTHER {$20.00} to " clarify my payment ''. I refused, there were some angry messages that followed, all of which I have screenshots and I requested a refund. I was denied my refund from this person on XX/XX/XXXX at XXXX. I have been trying to reach customer support for weeks. Through emails, and phone calls. I have never received a return email and every phone call ends up with me on hold for an hour and a disconnected call. Today ( XX/XX/XXXX ) I got an automated call from cashapp about my declined refund. There were no options to press any buttons and when I call the number provided, it just disconnects. I even contacted my bank and was told they don't deal with cashapp. This was supposed to be for a Father 's Day gift and not only am I out the money, but I also didn't have the gift done on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC bank is unable to send money to XXXX  online trading. 
I have been tring from XXXX XXXX I have been trying to send a total of {$1500.00} I have tried lower denominations but the back account will not link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through JPMCHASE finance. JPMCHASE did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due 30-60 days. 

Calls to JPMCHASE confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

JPMCHASE has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over one year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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 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 called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX  XXXX {$20000.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} XXXX  XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX {$12000.00} XXXX XXXX   XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have an can loan that I made a payment arrangement with due to covid, they said that it would not report to my bureaus, and reported it " affect by natural disaster '' AND reported it as 30 days late! I was in the middle of purchasing a home and got declined due to the late as it dropped my score by XXXX points. They made a covid arrangement with me on the payment and then STILL reported me late as they assured they wouldn't as it was due to covid. I have never been later ever and it was just for one month. They said they could remove the " affected by natural disaster '' on their side and would dispute it was the bureau but I never did and it wasn't changed. They said they are not allowed to just remove the lates on their own and I need this fixed immediately to have any chance to save my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH CAUSE I HAVE NEVER USED THESE ACCOUNTS OR FILE BANKRUPTCY

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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I opened an account with XXXX  to be able to purchase shares of company stock. PNC will not allow me to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion offers credit reporting, and asks for personal information including credit card information. It states in several places that this information is used for their reporting, and there is absolutely no mention of a dollar amount or charge. They then charge anybody who enters this information {$25.00}.

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