vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/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 2020-07-25 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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX  XXXX  XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/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 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: NC

Complaint narrative:
I applied to New Day USA to refinance my VA mortgage. It seemed all was going well until I received a call from Mr. XXXX XXXX XXXX saying he had to cancel our loan application because he had found out it was a manufactured home. 
I told him OK but every time I see XXXX XXXX advertising what they do for veterans I get mad again. 
My home tax value is XXXX and my loan balance as of XX/XX/2020 was {$96000.00}. I was not requesting any cash, only trying to reduce my monthly payment. My credit score as of today at XXXX is XXXX vs the US average of XXXX for my age group. 
I charge NewDay USA with discrimination because of the type home I choose to live in. I have never missed a mortgage in my XXXX  years on this earth and I dont like being told I am not as good as other XXXX XXXX veterans and am not entitled to the same benefits. 
At the very least they should be forced to treat all veterans the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have a card with XXXX XXXX XXXX XXXX. 
cash rewards. i paid off trhe balance and its not showing on my credit report {$1100.00} should show a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase was notified of several purchases that Amazon claimed were made on my account. The response to Chase was difficult as Amazon removed access to the account as the company made an arbitrary decision that I made a return on a product that was to be plug and play. Amazon has been having problems in my area where the deliveries are not happening and or end up being taken by people walking by. The company has taken a position that they will make any delivery that they claim is made to be in the possession of the person who ordered the item. I have attempted to work it out with Amazon to only be told that the company will not assist me as my account has been closed and any purchases I made were hereby not visible for receipts or warranties. Chase was provided the information about the deliveries and the items that didn't arrive. I placed the complaint as the vendor that had the problem is Amazon. The item that shipped via XXXX or XXXX didn't have problems. I have provided the information that supports the situation where packages were stolen or never delivered to Chase. The process of obtaining the information was difficult as Chase did not have access to receipts from Amazon. The information provided was a picture of a package on a porch. My porch looks the same as the neighbors porch. I have requested that Amazon please leave items either in the lock box or leave a note and neither occurred. 
The responses I received were that the items once they are left are now considered delivered. That makes no sense as it does not protect items from being stolen if they are even delivered. The transactions that I looked up that I can see are not in possession and Amazon will not discuss. Chase opted to pick Amazon due to their relationship with them to be the credit card provider for Amazon that makes a lot of money for the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25 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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Compliant filed against BB & T, complaint # XXXX that was sumitted to CFPB on XX/XX/XXXX, but BB & T has merged with Suntrust and the new name of the bank is Truist. 
It is my belief that Truist Bank, knowingly serviced this accounts for XXXX XXXX who I feel are practicing questionable and possibly predatory lending practices. 
Truist bank has filed a Lis Pending on the behalf of XXXX XXXX and itself against % 50 interest in property that was purchased under Joint Tenancy that was collateralized without consent. 
If is my belief that XXXX XXXX, dealings in XXXX was extremely questionable and predatory and their lending practices should be investigated by all proper government agencies who are willing to sift through the maze of paper work to come to a just a fair conclusion concerning this matter.

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 2020-07-25 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
THIS COMPLAINT IS IN REGARDS TO PAYPAL! FOR THE PAST 3 MONTHS I HAVE BEEN TRYING TO GET IN CONTACT WITH THEM FOR MULTIPLE FRAUD CHARGES AND ITEMS NOT RECIEVED CHARGES ON MY CREDIT/. BANK CARD. EVERY DAY XXXX CALL AND CAN NOT GET ANYONE. THEY SAY TO EMAIL THEM ABOUT MY ISSUES SO I DID AT LEAST 5 TIMES AND GET NO RESPONSE BACK FROM THEM! I HAVE SO MANY FRAUD CHARGES AND ITEMS NOT RECIEVED ITS CRAZY! PLEASE HELP 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 2020-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
FIRST MY HUSBAND HAD A XXXX IN XX/XX/2019. HE WAS OUT UNTIL THE MIDDLE OF XXXX FROM WORK. SO OF COURSE WE FELL BEHIND. THEN COVID19 HIT AND WE'RE FORCED TO STAY HOME WHICH PUT US EVEN FURTHER BEHIND. I CONTACTED THE MORTGAGE COMPANY TOLD THEM OUR SITUATION AND WANTED TO USE THEIR COVID19 HELP PROGRAM THAT THEY SUPPOSIDLY HAVE GOING ON. THE REP ON THE PHONE TOLD ME A FLAT OUT NO THAT THEY WERE NOT GOING TO HELP US! CONTINUING TO FALL BEHIND EVEN MORE NOW- We FELL SO FAR BEHIND I WAS SCARED OF LOSING OUR HOME. SO I CALL AGAIN TO ASK THEM TO PLEASE HELP US. THE REP ASKED WHEN I CALLED LAST TO TRY AND GET THE COVID19 HELP AND HE HANGS UP ON ME! I CALL BACK AND TOLD THEM EVERYTHING A~GAIN AND THEY SAID THEY SAW NO CALLS FROM ME AND WE ARGUE BACK AND FORTH ABOUT IT. ONCE AGAIN THEY HANG UP ON ME!! THEY'VE CHARGED US LATE CHARGE AFTER LATE CHARGE AND THEN LATE CHARGES ON TOP OF LATE CHARGES! I JUST DON'T KNOW WHAT TO DO?! MY HUSBAND FINALLY WENT BACK TO WORK. HE ALSO HAD TO CALL HIS DAD BECAUSE THE MORTGAGE COMPANY WAS THREATENING TO TAKE OUR HOME- HIS DAD IS XXXX YEARS OLD AND HAS NO EXTRA MONEY BUT LOANED US IT ANY WAY PUTTING HIMSELF BEHIND ON ALL HIS BILLS~!! WE WERE ONLY ASKING FOR HELP THRU THE MORTGAGE COMPANY FOR 3 REASONS 1. ) IN FEAR OF LOSING OUR HOME 2. ) THEY OFFERED COVID19 HELP 3. ) WE NEEDED HELP DUE TO COVID 19. PLEASE HELP THANK YOU

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I previously filed a complaint with the CFPB ( XXXX ) and it was closed in my favor ( please see attached ). This week, the bank reversed the {$810.00} credit ( please see attached ). 

I thought this was finally resolved and I think it's unfair for a decision to be reversed after it was resolved. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2020-07-25 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been told by wells fargo that they have no responsibility to report my credit activity to the credit company 's, this is a business credit card that is my ONLY credit card I have for 27 years, now im told I have no credit. Its the same SSN number. Please help 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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  XXXX is habitually late in reporting XXXX  balance. They are still reporting a high balance when I paid my bill in full. This is affecting my score. 

Acct # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
RE : 149 % Loan Interest/NetCredit Mr . XXXX XXXX, I acquired a loan of {$2000.00}, ( Loan # : XXXX ), with NetCredit on XX/XX/2019, at the time I had " 3 '' major catastrophes within a year. I contacted your company thru an email referral from my mortgage company, XXXX XXXX. Given the exorbitant interest rate of 149 % I ultimately completed and returned your documents in hopes that a financial opportunity would present itself shortly ... it did not. To date I have made " 9 '' payments at {$260.00} ( monthly ) for 9 months, a total of {$2400.00}, making my interest rate 46.308 %. Even this seems to be a usury amount. 
I filed a complaint with the attorney general 's office ( in Alabama ) and you responded with a letter. To summarize your letter from my reading it states " she knew what she was getting into when she took out the loan ''. It sounds like " loan sharking '' to me. I really did not think the state of Alabama would allow such usury financial practices in our state which is why I opened a complaint with the attorney general. 
Given the response from the attorney general, my remedy is to contact an attorney, which I plan to do this week. I am writing this letter as a complaint to your company but also as a notice to political agencies who may be unaware of your business practices in Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX   XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX   XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX/XXXX  appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX/XXXX  - balance is showing as {$1700.00}, account partially listed and a limit of  {$4000.00} ; no account number listed ; no dates not listed,

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX incorrectly report a balance in my Report. I have asked XXXX, XXXX  and Experian to investigate. After an investigation XXXX  and XXXX  removed it but Experian left it. I called Experian and requested that they validate the debt I never acknowledge that I owe this company as they are trying to bill me 2 month of rent for not renewing my contract with them. They were aware I was not going to remove my contract and I paid them before I move out. I filed a complaint against XXXX XXXX with CFPB, they are not answering as they are trying to force me to pay XXXX. I am filing a complaint against Experian as they are not doing their due dilligence to validate the debt. I want to know how they confirm that I owe this collector XXXX. When I did not have a contract with them and I never agree that I owe them and I paid them at the end of the lease.

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 2020-07-25 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: PA

Complaint narrative:
My student loan was in forbearance XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not late and I want late notices removed.

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 2020-07-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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 XXXX  XXXX 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 immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX Company Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Opened account with XXXX XXXX, purchased and paid off item. My credit report reflected more than 60 days late. Contacted XXXX XXXX and was told it was a glitch. Was fixed week later and now issue is back. I have asked them to fix, close my account and delete from bureau. I can not afford their glitches and mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation