vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexus is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to Lexis Nexus on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they Lexis Nexus was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX Lexis Nexus verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX  XXXX {$300.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Opportunity Financial, LLC
State: NV

Complaint narrative:
Opp loans has failed to provide verification of the charge off listed under my name. The account is inaccurate and even after several disputes they have not verified ownership or accuracy of the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}

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 2020-06-18 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}

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 2020-06-18 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$300.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$770.00} XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$1100.00}

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Today I received an ach from the small business administration. Unfortunately at this time I am unable to open a business account. I explained this to my loan officer and he specifically told me that it would not be a problem Bank of America is unfairly trying to force me to open a business account with them and holding my funds which I really need to access. I even told the bank manager ( XXXX XXXX XXXX ) Vice President of Bank of America located at XXXX XXXX XXXX XXXX, Il XXXX that that I had documentation to prove the origin of the funds and he told me outright that he believed the transaction was fraudulent also I spoke with XXXX XXXX ( XXXX ) XXXX and she was of no further assistance and was very condescending as well. I feel I was XXXX  profiled at this particular bank which I have banked with for years. I intend to seek legal counsel and damages as well as contacting different media outlets along with the aclu.

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 2020-06-18 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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}

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 2020-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I setup XXXX to move money around XX/XX/XXXX or XXXX and put through a transaction to my nephew, who uses the same bank I do. Instead of his receiving the money right away, as advertised, it took three days. 

I called TD Customer service and was told when first setting it up, that's their policy. 

Today, Thursday, XX/XX/XXXX, I went to send money to my daughter-in-law, and found out she will not get the funds until Tuesday, XX/XX/XXXX. Making the service useless to me, and also not as advertised. 

Now, a person at the branch told me that the first transaction to a new recipient takes 3 days. That's not as advertised. Not as promised. And makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CITIBANK, N.A.
State: WA

Complaint narrative:
We deposited a check with Citibank XX/XX/XXXX, and they put it in my Checking Plus account unauthorized. It was supposed to go into checking. We were released {$7100.00} on XX/XX/XXXX, and we were just released a letter stating that my credit line was reduced to {$300.00} from {$3000.00}, so they were not able to release the rest of the funds. Now, these funds were not intended to pay off loans, which I was paying every month. So, this was an unauthorized move by the bank. We need the {$3000.00} to pay our movers, and we have asked a relative to cover this, which they may not do. I would like compensation from the bank Citibank, to cover this problem.

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXXs, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TN

Complaint narrative:
I received a settlement letter from Conn 's furniture store, and paid the amount that was stated in the settlement letter, and paid the amount in the time the company asked. the account was closed and paid off. now the account is back open and the settlement is not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with Experian Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 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 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have tried several times to get Chase to correct their mistakes and get no response. I've called, faxed letters and messages on-line to get this resolve but get no response to fix it. 

I put my mortgage payments on bi-weekly and Chase withdrew a whole payment at one time and then withdrew another whole payment 2 weeks later. I have correspondence to attach to this complaint. 

Originally they said it wasn't set up right and I told them what I wanted and they said they'd fix it that way but didn't. 

I had to put a stop payment on my account because they were causing NSF charges for over-withdrawing. 

Please see the attached and make Chase service their mortgage propelry. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
My name is XXXX XXXX and I have a Chase Sapphire credit card, that has always been paid on time and with amounts much larger than the minimum required. I just received notice that at the peak of the pandemic, and while Puerto Rico was being hit by hundreds of earthquakes simultaneously, this company chose to report 2 missing payments and affect my report. 

I spoke to a representative ( useless ) that when I asked if they were targeting XXXX women, he immediately transferred me to a supervisor. He never apologized. He never refuted that they were discriminating. He offered no answers or alternatives. 

Let me know if you can help, or if you have no alternatives or just don't handle XXXX 's complaints as well. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have made bi weekly payment to my mortgage. I was advised that because the payments were made separately that a portion of the payment went to the principle balance, and the remaining went to an unappiled status. I informed the representative that I need to have both payments applied to the mortgage. I have made 5 calls to Shellpoint Mortgage LLC, each time I was advise this matter would be resolved. I am now receiving calls and emails that my mortgage is pastdue and late fees will be applied. I do not know what to do. I'm afraid of getting a credit hit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. I demand to see a written instrument bearing with my signature.

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Opened XXXX XXXX sometime XXXX. Sent to collections XX/XX/XXXX. They left my account open and charged enormous amount of fees. Now owing XXXX from a credit card of XXXX. I made 1 payment, then fell upon hard times with my husband out of work. Credit limit was XXXX. I believe there was an annual fee. Most of the XXXX was fees etc. I talked to XXXX at lvnv funding and tried to explain I need printout of fees etc. I never received anything since XXXX. I talked to a lady a couple days ago. And asked for printout of fees. Nothing, instead sent my file to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support  Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I  strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}

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 2020-06-18 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC
State: AZ

Complaint narrative:
This account is far past the statute of limitation. I believe any thing past due was from XXXX or XXXX. It was previously deleted from my credit reports about 2 years ago and has just be re-reported to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 my purse was stolen from my car with all of my credit cards, debit cards, Florida Sate License, social security card. Fradulent charges were made on all of my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am from XXXX and I was working in XXXX Washington DC XXXX XXXX XXXX for one year. I opened my Bank of America Account in DC in XX/XX/2019. I sent them an email but nobody answered me. 

I returned to XXXX and Bank Of America took from my account Monthly maintenance fee but right now due to corona and being in XXXX, I can not use my account right now. If they continue to take this fee from my account, My account will be - balance.

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