vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Yet again M & T bank is pre-dating transactions ( specifically checks ) with the intention of removing the opportunity for account holder to add needed funds before an overdraft fee occurs. I have an entire folder of proof of this scam. 
I'm a bit of a night owl, I always check my accounts after XXXX, and very very often after XXXX. It's not a matter of the checks going through at a later time. They sit on these transactions, they are nowhere to be found, not even in " pending transactions ''. They lengthy agreement I signed with M & T bank promises the opportunity to deposit funds by XXXX to avoid fees. They hold these checks and do not post them to account ( pending or otherwise ) at least not on account holder end. Their staff maintains they can see them the day before. Even worse. They can see them predated, account holder can not. This is why I take screenshots and save every ATM receipt. 
Just today a check took my account negative. The check posted with yesterday 's date. I checked my account at XXXX, nothing pending. This morning after XXXX, check posted with yesterday 's date and negative account. 
Please let me know where to send the rest of my screenshots, receipts, and other docs I have confirming this scam. I attached only 4 screenshots, I have too many to add all of them here

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 2020-05-05 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:
Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from

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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I am trying to refinance my home and Freedom Mortgage will not provide XXXX XXXX a payoff for " At least 15 days '' without me calling in. I do not wish to speak to them or be pushed to stay with this company. 

I see they have 7 days to provide a pay off but continue to refuse. 

XXXX XXXX Requested in writting a payoff on XX/XX/XXXXXX/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 2020-05-05 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:
Someone got hold of my XXXX XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have requested for Chase to do a chargeback from the recipient bank due to fraud/scam. It was for {$1900.00} on XX/XX/2020. I already talked to a XXXX representative and they are working on shutting the owner of the recipient account down because of the illegal use of the account. And they said that a Chargeback is what needs to be done by my bank CHASE to the recipient bank because of the fraud and yet NO ONE IS DOING ANYTHING BUT DENYING ME. An effort wasn't even applied to start the Chargeback process. I have been going back and forth for 3 weeks and NO RESULTS. I have been with Chase for awhile and never had any problems. And now I'm being denied something that YA 'LL ARE VERY CAPABLE OF DOING. A chargeback from the recipient bank, not a refund provided by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
We called our mortgage loan holder Rushmore Loan Management on XX/XX/2020 to request a 6 month forbearance of our USDA Guaranteed single family mortgage loan as delineated by the CARES Act. We were told to call back on XX/XX/2020 to make the request. 

We called back on that date and were told that they would only grant us 3 months forbearance and that at the end of the 3 months we would be required to repay the total amount due. We explained to them that they were in violation of the CARES act which gave us 6 months forbearance and which allowed us to add the amount due to the end of our loan. They were supposed transfer us to another person but since no one was available this person ended the call by saying that they had already initiated the 3 month forbearance as requested. 

On XX/XX/2020 we got a packet from Rushmore asking for our signature on the 3 month forbearance and stating that they would be reporting us to the credit bureaus as a credit risk. 

On XX/XX/2020 I called Rushmore once more and again explained to them that they were in violation of the CARES act by requiring signatures, reporting us to the Credit Bureaus, and only extending 3 months of forbearance when we were clearly guaranteed 6 months. This person placed me on hold, consulted another person, then agreed that we were correct, that Rushmore was 'sensitive ' to its customers during this time of crisis and that they would honor the 6 months forbearance-however, because of the limitations of their system, we would have to call back on XX/XX/2020 in order to request the remaining 3 months forbearance. This person indicated they would not be reporting us or any of their customers with federally backed loans to the Credit Bureaus. 

Because of their behavior thus far I don't believe them and want to complain that they are in violation of the CARES act for clearly disregarding the provisions of the law regarding forbearance of federally backed home loans. 

Also, I firmly believe that if they are treating us this way that they are using these same tactics to harass other customers who are clearly protected under the CARES act but who are not aware that this protection exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is in ref to initial complaint number XXXX. 

I was mis-lead until I noticed of a {$95.00} membership fee. This was not mentioned during the phone application for a Chase Bank Business Credit Card. When I complaint to the company, I was told to close the account and re-apply for a different card and Chase will pull my credit report again. Why? They were unwilling to transfer over to a non-fee credit card. 

I am a small XXXX Veteran XXXX  trying to survive during this crisis. Don't have time for this sort of non-sense from a co that I have spent over 22 years of military service defending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I noticed on XX/XX/2020 that my credit score dropped significantly due to a collection/chargeoff that was not mine nor I have never recognized before. I called the Bureau name ( Sequium Asset Solutions ) who said they don't have any information of me on file. They told me to call the Original lender ( 11 XXXX XXXX ) who also said they do not have any information of me on file as well. 11 XXXX XXXX  is a cable provider that does not even service the location I live in. This is a charge that is not mine and would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
Someone got hold of my XXXX  XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting 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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal 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 XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$440.00} XXXX   XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 was informed by my banker ( 20 years ) that I was not approved for a personal 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 XXXX XXXX XXXX {$53.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED 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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal 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 XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED 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 2020-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 an unauthorized electronic transfer was made from my checking account to my credit card. I called BBVA Compass on XX/XX/XXXX. I was told to get it reversed it would take 3 to 5 business days. Nothing ha been reverted and after calling agin today they are telling me it will take 3 to 5 business days again. I never authorized any payment to be processed nor should it take 10 days to get the funds back. If they give it back? My fear is they are taking money and blowing it up into thin air and this is not the time to worry us consumers. We already have a lot to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} THIS IS NOT MY ACCOUNT. My identity was stolen and used to attain phones. This had been settled with Equifax and is still showing on there. 

XX/XX/XXXX XXXX XXXX XXXX Balance : {$8500.00} THIS IS NOT MY ACCOUNT. 

HARD INQUIRIES that I did not do nor authorize on my Equifax report : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX HARD INQUIRIES and accounts that I did NOT authorize on my XXXX report : XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} THIS IS NOT MY ACCOUNT INQUIRIES : XX/XX/XXXX XXXX ( I wasnt even in the USA ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}

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 2020-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XXXX of 2019 I opened up a credit card with Capital One. 

The first thing we noticed is when you went online to complete the account setup. It tossed an error saying OOPS we hit a snag.. please try again later. I tried a few times through the month with no help. 

In XXXX my bill was due, and I tried to pay the bill, and got an OOP we hit a snag try again later. 

I then did a payment from my bank account with XXXX to Capital one and it was returned saying it could not be processed. 

I then called Capital one, and they tried to do it over the phone, and got an error also. 

They then transferred me to the back office, and a girl took a VISA Debit payment. And transferred me to tech support. 

Tech support could not fix the issue, and opened up an escalation. 

In XXXX we had the same issue, and we escalated again. 

In XXXX same issue,. I am now 30 days behind as the girl in collections tried to set up an auto payment and also got an error and said try calling back in 24 hours. 

We then managed to get a payment processed again via the back office using a VISA Debit payment. 

But they then flagged me on my credit bureau for being 30 days late, hit me with 2 late fees and a payment processing fee of {$7.00} I then called to complain saying that, its not my fault you guys can not set up auto pay, I can not pay via my bank account and you then need to go to back office to do a one time payment. 

She said we can not credit you back as you do have the option of calling and getting escalated to have a one time payment done. 

My argument is, I should not need to spend 3 hours a month on hold then transferred around for another hour just to be able to pay my credit card. 

They wont fix the report to credit nor credit me back the late fee, nor the processing fee. 

Once again I was escalated to tech support who could not fix the issue. 

A quick search online shows numerous people complaining about the same problem, they try and pay and get oops we hit a snag. 

Screen Shot 1 says I am 2 months behind.. No I am one month behind as they can't process the payment but want the next payment in Advance. 

Screen shot 2 is trying to make a payment Screen shot 3 is the error we get when trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}

Company response to consumer: Closed with explanation