vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: NJ

Complaint narrative:
The most recent card opened in 2017, I don't recognize and I don't/never had an account with. 

Most Recent Account XXXX XXXX ( Opened XX/XX/2017 ) It also says I have {$18000.00} in revolving debt that I do not know about. I have my credit cards that I know and I have a small balance on one ( > {$2000.00} ). 

So I am confused ... either that is a mistake or someone took a credit card out with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX

Complaint narrative:
XX/XX/XXXX - I visited a restaurant in XXXX, Texas. Later that evening, Iberia fraud department called and left a message about suspicious charges. I went and looked online the next day to look at the transactions and noticed that there were charges made to my account in the amount of {$160.00} that I did not authorize. I spoke with someone at Iberia bank fraud department on XX/XX/XXXX after i viewed these transactions and they said that they would put a hold on the transactions from this establishment. They said that I needed to go into my local branch and file a fraud report. I went into the local branch on XX/XX/XXXX and filed the fraud report. On XX/XX/XXXX, the transactions went through. On XX/XX/XXXX, I received a letter saying that my dispute was denied. They said that i needed to contact the business but no one answered the phone at the business and it appeared as if the business was permanently closed because i went to the restaurant at the same time on XX/XX/XXXX. I re-filed the dispute saying that I was unable to contact the business and they still denied my claim. 

The Business refuses to provide any evidence to show why it was denied. They refuse to let me speak to anyone in the fraud department. I let them know that I did not sign the reciept for those transactions, but its like they do not care.

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 2019-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I originated this loan with Green Tree XXXX in XXXX with my first payment XX/XX/XXXX. Its governance has since moved to Ditech XXXX. I wonder if this was a bad loan at the time with, perhaps, fraudulent intent. We have been paying off the {$52000.00} loan for 13 years now and have only paid it off to {$42000.00} which is {$10000.00}. This hardly seems correct. I have asked DiTech if we can lower our interest rate, but they say they do not have any programs to do so. My husband has incurable XXXX ( XXXX XXXX ) from his time stationed in the XXXX at XXXX XXXX, so there must be a program to help pay this off faster than it is going now. It does not make sense that we will end up paying double the amount we applied for. I am always wary of paying more on my monthly bill with the practices I see at DiTech. I don't trust they will apply the funds correctly to our benefit. 

I've attached the most recent payment history and looked at the payoff quote compared to last year 's payoff quote. 

XX/XX/XXXX payoff is {$43000.00} XX/XX/XXXX payoff is XXXX Again, how is this possible? 

As I said, I am not sure what is wrong, but after hearing how GreenTree and DiTech have been accused of fraudulent loan practices, I would like to find out how to discharge this loan by applying the payments we have already paid and canceling this loan legally. Again, I do not want to enter into bankruptcy, but somehow institute new rules in order to get this loan paid. 

Thank you in advance. Files are attached. 

Best, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Mailed a letter to provide accurate personal information that should be reporting and provided current address ( a water bill ) that should be reporting and I was denied. They are requesting the same information I provided to them again. You have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

1 ) Consumer reporting agencies must correct or delete inaccurate, incomplete information. 
2 ) Consumer reporting agencies may not report outdated information. Including personal information.

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 2019-08-08 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: GA

Complaint narrative:
I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 2019-08-08 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 have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF 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 non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion failed and refused to update current personal information er request. I have submitted a current bill and the information needed.

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 2019-08-08 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: NY

Complaint narrative:
Inaccurate items reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX of 2016, I have a derogatory mark from XXXX XXXX for {$250.00}. I told them I was going to cancel my service and they said it was fine. After I ended my service, they kept charging me for even more months after I have cancelled my service with them. 

I contacted them and they said the only thing I could do is just pay it off. I do not want to pay for months I didn't use their service for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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:
The information is not accurate. The balance is wrong and I need it validated. I do not have that card.

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 2019-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The information is not accurate. The balance is wrong and I need it validated. I do not have that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: CA

Complaint narrative:
The information is not accurate. The balance is wrong and I need it validated. I do not have that card.

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 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I received my credit report in XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You recently disputed certain information contained in your credit report and requested that we conduct an investigation. We will not be able to investigate this dispute per FCRA as it relates to an inquiry or request for a consumer report. '' This is a direct violation of my rights under FCRA 611.

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 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
XXXX XXXX of Phoenix Financial called me and asked if I would make a payment towards a debt. I explained I needed a debt validation letter to be sure of the debt. He said they had already sent one and I explained I had not yet seen the letter and could they send another. 

He said they already sent one and planned on turning over my debt to my credit report marked as " refusal to pay ''. I explained I was not refusing to pay but wanted a letter sent to me first to be safe. 

He interrupted me and aggressively said I was refusing to pay and that he was going to turn it over to my credit report as such. 

I asked for his employee information and he hung up on 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 2019-08-08 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: NY

Complaint narrative:
Investigation did not fix 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 2019-08-08 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: WA

Complaint narrative:
Previously on XX/XX/XXXX and XX/XX/XXXX I had submitted a request for a mortgage account to be reviewed and repaired based on some concerns that I had noticed. While a couple of errors have been repaired the account still largely remains inaccurate and the bureau has not offered any proof that they are in fact correct. 
I have specifically asked for proof from all three bureaus as to why the " date opened '' for TransUnion shows as XX/XX/XXXX but on XXXX and XXXX it shows as XX/XX/XXXX I have specifically asked why TransUnion and XXXX  show a " payment status '' as Late 120 Days, XXXX shows a " payment status '' as " Late 180 Days '' all on a closed account and XXXX  is even reporting an " ok '' payment history clear through today ; again on a closed account. 
I have specifically asked why TransUnion shows a " date last active '' of XX/XX/XXXX where XXXX shows it as XX/XX/XXXX, and XXXX  shows it as XX/XX/XXXX. Still no eveidence of accuracy or correction to the account at all on any of the bureau 's part. 
I have repeatedly asked why the " date of last payment '' is reporting as XX/XX/XXXX for TransUnion and XXXX  but XX/XX/XXXX for XXXX and again no response other that " verified as accurate '' or " updated '' with no corresponding proof. 
I also reached out to the mortgage company listed with the address that the bureaus provided and my certified mail was returned not deliverable.

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 2019-08-08 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: NC

Complaint narrative:
my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
I paid for credit repair service to fix the problem, but credit bureau has not yet fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To regulators, This is my 3 or 4th complaint against TD Bank. They are literally much worst than the problems of XXXX XXXX. Right now, there was a fraudalant charge that TDBank flag to me over text and ask if that was real. I answer back over text that its fraudulant. They text back they will review that over text. Normally, I expect them to freeze that charge like before, somehow their new run-around setup is all no help and fraud charge noted in the text answer stated above went through and posted on XX/XX/2019 after my additional message on the TD Bank website saying its fraud a second time. 

After waiting about 6 to 8 hours, I went on the website to ask for update of my claim that its fraudulant charge. No answer over 24 hours. Then I called in, nobody understand nor care to fix the at-issue item I repeatedly stated about the fraud charge, they say " not my dept '' or " not my job '' run-around. Nothing gets done and a waste of time either going to through unending verification and then no help or a direct person that handles CFPB complaints and say its " not my dept '' can't really help. Thats why I am submitting another CFPB complaint to get actual help. 

The only possible results has been asking regulatory actions against TD Bank and revocation of business due to repeated setup of harm to consumers and their access to service. I ask your organization to start regulatory reviews of TD Bank products and services. I only get anything done in help by official complaint and hope there's repeat heavy fines against the organization and their personnels. 

The fraud charge was for " XXXXXXXX XXXX '' of - {$130.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Investigation did not fix problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: LEXISNEXIS
State: LA

Complaint narrative:
Lexisnexis reported incorrect information to my Insurance company which increased my premiums

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do not recall this card and its being reported negatively on my three credit bureaus. Can they please validate a accurate balance or delete.

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 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Information on my credit report is inaccurate

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 2019-08-08 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: NC

Complaint narrative:
my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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: NC

Complaint narrative:
my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief