vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: CO

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX0, XXXX XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received a credit report has requested from Experian. My Social Security #  was incorrect.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I apply for Mortgage refinance with Amerisave mortgage corp. on XXXX after they run my credit one of there customer service representative XXXX XXXX told me I am approved and need to pay {$500.00} for processing and the transaction was going through but all of the sudden they said my application is declined and they are not refund my application fee of {$500.00} I need my application fee refunded as soon as possible both me and my wife has a credit score of more than 800 and I believe we are discriminating against because we are minority or XXXXXXXX Americans  and specially the way there loan originator XXXX XXXX treat us is unbelievable

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. 

Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via XXXX. I did that through my bank, which has the option to send money using XXXX. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXXXXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case but they said that since I authorized the XXXX transaction, it is a scam, not a fraud and hence they can not do anything with that. 

I have all the details available including the fake cashier 's check as well as the conversation I had with the con man.

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 2021-01-12 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: SC

Complaint narrative:
I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Synovus Bank
State: NC

Complaint narrative:
I, properly initiated a payment to my XXXX XXXX XXXX  credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX XXXX XXXX credit card payment. 
XXXX XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX improperly deposited the money to a random account that was not even on the check or a payee name on the check. The account number on the check was our credit card number not even a legitimate account for the bank. The XXXX XXXXXXXX XXXX XXXX is owned by XXXX XXXX. Affidavit paperwork was filled out sent to XXXX XXXX and received by XXXX XXXX via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to XXXX XXXX, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
Synovu 's Bank XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019 - Inquiry by Syncb/Banana National credit card /Airlines wasn't done by 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 2021-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The first issue began in approximately XXXX of XXXX. Ally financial stated and continues to state they work with people financially hit by covid-19. I had been. For three months I attempted to work with Ally and every time I was asked what's the condition of your car and refused any assistance. My car was finally repossessed. I recieved a letter in the mail a day after that the car was to be repossessed. The bill doubled of what was due. During this process Ally was mainly unhelpful attempting to gain information on getting the car back. One agent actually told my wife he " doesn't know why Ally didn't work with us on covid-19 relief because they work with everyone ''. Obviously a flat out lie. 
Next a payment was made XX/XX/XXXX for the XXXX payment. The XXXX payment was due on the XXXX. On the XXXX of XXXX I received an email the payment had been unsuccessful. The last attempt to take it out was on the XXXX. Prior to this date several calls were made to Ally requesting why the payment wasn't taken out yet and why. They continuously states it takes 2-3 days to process. While my math skills may not be the best XX/XX/XXXX to XX/XX/XXXX is almost 2 weeks or 14 days. Thus equalling far more than the " needed 2-3 days processing time ''. A call was once again placed and a run around was given again, and even speaking to a supervisor or a manger obviously wasn't going to happen despite the request several times into the phone call. 
Furthermore I'm tired of government agencies covering for places like Ally Financial where the customer gets XXXX, the business doesn't even get a slap on the wrist and that's all there is to.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
On XXXX I requested a Mortgage Payoff Statement from Flagstar Bank. 
I was on a telephone call with there customer service representative at the time and the report was emailed to me. I paid the final payoff amount of {$21000.00} from the statement with the representative over the phone via my checking account and was told I was all set. 

At the end of XXXX I started calling asking why I had not received any paperwork regarding my mortgage release as paid in full. I have since spent many days and hours on the phone with Flagstar Bank who has admitted to two internal errors but they never seem to be able to rectify them and tell me to be patient and promise they'll be corrected. 

This has escalated to collections calling me now and my repeated attempts to contact Flagstar Bank by email and phone are ignored. 

My year end statement for tax purposes will be incorrect and they are going to ruin my credit which has essentially been perfect leading up to this. This bank expects the customer to deal with their internal errors! 

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 2021-01-12 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: CA

Complaint narrative:
in XXXX my XXXX account was breached, when all passwords were published on the web. this gave a hacker  access to all of my accounts which had the same password. someone used my info to open multiple accounts, rent an apartment, take payday loans, and many things. end result, they tried to file a bk with my name spelled wrong, wrong address, and it was dismissed due to not being able to authenticate identity and no follow up. this has been on my trans union report since XXXX and has kept me from being able to buy a house or obtain credit. XXXX XXXX was the trustee  at the BK court I have reached out to US Trustees office, trans union, BK XXXX, XXXX XXXX, all to no avail. I have the police report, notarized affadavit of fraud, proof of real identity, and no one responds. I just inherited a house and need to refi and can not although my credit is perfect this " dismissed/ invalid '' BK  on my trans union report only ( not on XXXX or XXXX ) is keeping me from doing so. 

The case number is XXXX listed under XXXX XXXX my name is 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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX - XX/XX/XXXX my credit score dropped significantly due to an individual named " XXXX XXXX '' being added to my Experian Credit Report. I attempted multiple times to contact Experian to correct this problem. I also send Experian two letters detailing the problem. In XXXX I received a letter from XXXX whom I have a consumer credit card indicating that they were dropping my credit limit due to XXXX XXXX being added to my credit file. I then filed a complaint here with the FTC and a week later I received a call from Experian and explained the problem ( asked them to remove XXXX XXXX from my file ). Again in late XX/XX/XXXX ; I asked Experian to fix this problem. Finally, in midXXXX XXXX I did receive e-mails from Experian indicating they had taken action. On XX/XX/XXXX, I received notice from XXXX XXXX that they reduced my credit limit due to Experian erroneous credit file. This morning I received three calls from collection agencies asking to speak to XXXX XXXX. The number the collection agencies are calling is my business line. Dear XXXX please help me by telling Experian to fix this! No one answers the phone when I call the number as the only option available is to order a credit 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
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. XX/XX/XXXX, I was charged for the insurance of the tickets by XXXX XXXX of {$25.00} and then on XX/XX/XXXX, I was charged {$350.00} for the tickets for the XXXX XXXX concert. 

On XX/XX/XXXX, I received an email from XX/XX/XXXX stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XX/XX/XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 

Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXXXX/XX/XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have.

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 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
After receiving a notice from my credit monitoring company. The information states there is a new negative item reporting on my credit report. After reviewing the item, I immediately contacted the collection agency at the number provided on my credit report. I informed the collection agency I do not owe any moneys toXX/XX/XXXX. I also asked the collection agency to please provide any signed authorized documentation proving the debt is mine and the alleged final bill, which required by law, sent to consumer prior to sending debt to collections. I have not received validation of debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. It seems like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person. I was also told thatXX/XX/XXXX had a breach. I am deeply concerned because I don't know if I was impacted by that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
U.S. Bank sent two letters containing Visa Debit Cards to our address on XX/XX/2021. One Visa Debit Card is in the name of XXXX XXXX and one Visa Debit Card is in the name of XXXX XXXX. These cards supposedly link to existing checking accounts at U.S. Bank. However : ( 1 ) Neither of us have existing checking accounts at U.S. Bank, ( 2 ) Neither of us solicited a bank account at U.S. Bank, and ( 3 ) Neither of us solicited a Visa Debit Card. We have attempted to call U.S. Bank at the phone numbers provided in the letters but are only able to access an automated system which will not proceed without us establishing accounts and activating these cards. We are concerned here that one of two things has happened : either ( 1 ) we are victims of identity theft and some third party is trying to establish accounts in our name, or ( 2 ) U.S. Bank is engaged in bank fraud. In either case, we request the assistance of the Consumer Financial Protection Bureau. 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 non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
During the Covid-19 pandemic I was furlough on my job went back to work a few months ago and my vehicle I purchased XX/XX/XXXX I have been making payments on the vehicle was repossessed on XX/XX/XXXX I just made a payment on XX/XX/XXXX had a arrangement for next payment to be withdrawn from my personal bank account two weeks later but instead they repossessed the car I need help

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 2021-01-12 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: WI

Complaint narrative:
Reporting Inaccurate information ( Wrong Balances ) on my account status on 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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

Company response to consumer: Closed with explanation