vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband died from XXXX on XXXX XXXX. 
On XX/XX/2021, Equifax automatically renewed my Complete Family Plan and charged my XXXX card {$290.00} for an annual subscription. 
Due to my husbands death I no longer needed a family plan. I contacted Equifax and was told that I could not switch plans. I had to cancel the plan and subscribe to a different plan. 
On XX/XX/2021 I canceled the Family Plan and received an email stating my cancellation had been received, it would be effective XX/XX/2021 and You will receive a refund for any fully unused months in your annual subscription. 
On XX/XX/2021, I received an email stating the Family Plan was canceled. 
On XX/XX/2021, I contacted Equifax to follow up on the refund. The first person I talked with said there were no refunds given for annual subscriptions. I argued with her and was transferred to another person who said I did not request a refund in time but he would send my case for review. I told him that was not satisfactory and I wanted to speak to some one higher. I was told to call back the next day. 
On XX/XX/2021, I spoke with someone who said I am entitled to a refund but due to a system glitch it had not been processed and that I should see a credit on my XXXX within two days. She gave me a case number XXXX and said I should call back if I did not see a refund in two days. 
On XX/XX/2021, I called Equifax because I had not received a credit. I was told it would take 7 to 10 business days from XX/XX/2021 for the credit to appear. 
On XX/XX/2021, I followed up with Equifax because I had not received the promised refund. First, the representative told me there were no refunds for annual subscriptions, then he looked up the case number and said the question of my refund was under advisement and no decision had been made. I insisted on speaking to a supervisor and was put on hold for almost an hour. Finally, a person who told me her name was XXXX and that she was a supervisor got on the phone. She stated that I am entitled to a refund but that none of the previous representatives had requested a refund. She the stated that she was putting through a PRIORITY CLAIM for my refund and that I should see the refund in 7 to 10 days. She gave me a new claim number - XXXX. She promised to send me a confirming email and gave me her email address. I did not receive the confirming email and when I attempted to email her, the email was returned due to an invalid address. It has been 13 days since I talked with XXXX and I have not received my refund. 
I do not think I can make any progress by continuing to contact Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.

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 2021-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
I am a victim of identity theft

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 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Credit Reporting Bureaus, TransUnion, XXXX  and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.

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 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am a current victim of getting my account hacked on Robinhood. I have sent several emails, contacted them on XXXX, phone, and their help center service, and have not gotten a response. I was able to see unauthorized transactions appear on my XXXX device notifications but not sign into my account because it was compromised by the hacker/fraudulent person. Robinhood still has not contacted me to help me get into my account or see what unauthorized changes were made. 

I believe I have lost several XXXX of dollars but can not confirm until I am able to get Robinhood 's help to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been having problems with a XXXX XXXX open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for XXXX XXXX and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards XXXXXXXX XXXX has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

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 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Need to get a lien release from CitiMortgage account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma 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 2021-07-08 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 — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
With every one of my credit cards I can get a XXXX  score. I can do this on their web site. 
With Best Buy, Home Depot and Sears I can not get a XXXX XXXX. I have called each company and I get one excuse after another. 
How can I get a FXXXX  score from Best Buy, Home Depot and Sears. 
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 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a victim of ID theft. The suspect opened a fraudulent account at venmo and withdrew cash from my bank account. I contacted venmo multiple times to resolve the situation and to obtain information according to section 609 ( e ) of the Fair Credit Reporting Act. Operators were totally uncooperative citing some vague privacy policy. 
Quote from XXXX XXXX at venmo : " XXXX here, I am an Account Specialist at Venmo. I have picked up your case for further assistance. Thanks for sending over your documentation. However since you do not own the account we are not permitted to provide information regarding the account. " Section 609 ( e ) of the FCRA is very clear that in cases of ID theft they must release this information to the victim. 
I provided venmo with the XXXX XXXX police department report and the FTC ID theft report to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 Progressive Management Systems began reporting a derogatory account on my credit for the amount of {$1000.00} that is not mine and causing me to have negative items on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NC

Complaint narrative:
I paid off the lease on XX/XX/XXXX. 
I live in an Electronic Lien and Title state where this should have been electronically processed with the North Carolina DMV immediately - yet they have yet to receive any notification that the loan has been paid off. In the DMV records, they sent the paper title to US Bank in XXXX at the initiation of the lease and it is still marked as 'leased '. 
I have spoken with many different departments at US Bank over the course of the months requesting that the ELT process be redone - to which they said that was impossible. 
Then US Bank said they would send out a notarized Release of Lien to enable me to get the car titled in my name at the DMV yet as of today, XX/XX/XXXX - I have not received that. US Bank is unable to give me any tracking information on this document though they said they sent it on XX/XX/XXXX to my current address. 
When I speak to them they are unwilling to reinitiate and send in a trackable format. Each department sends me to a different department, saying they will " look into it. '' I feel like they have effectively stolen the car from me. I paid them, yet I have no proof I own the car so I can not sell the car - which I need to do immediately.

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 2021-07-08 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Hi, this company Consumer Adjustment Company is reporting a delinquent account on all 3 of my credit Files XXXX XXXX, XXXX, XXXX. I am the victim of Identity theft and this account does not belong to me. have reached out to this company and to no avail have gotten no response. This company is reporting that I owe a debt of {$970.00} for a company called 12 check n go whom is the original creditor. I Have attached my Police report case number as well as my Identity Theft Case number. I have not received any information form Consumer Adjustment Company regarding this debt, and somehow it is now reporting negative on my Bank Account. I am asking that this company delete this fraudulent debt from all 3 of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am in a process of buying a house in XXXX XXXX, NY. I suppose to close next month and my balance is {$52000.00} plus closing fees. I was contacted via email by a paralegal XXXX XXXX XXXX and as per her email I was asked to put money into an escrow account. I went to Chase branch on XXXX and completed a wire transfer with an assistance from a banker. When I got home I emailed XXXX and said that I just wired the money and please confirm once received. No answer and he next day I called her and she was surprised to hear about the wire. I immediately checked her email domain name and the fake one. Her email signature was real-everything looks the same, except that I noticed that there was double " i '' in the attorney 's last name. Also when I saw the confirmation of a wire transfer I got very suspicious when I saw " XXXX XXXX XXXX XXXX XXXX Tx ''. I report it ASAP to Chase on XXXX.I first called a banker who assisted me on XXXX, XXXX XXXX XXXX but she said that I need to call a customer service and gave me a number. I called and Chase started an investigation. 
Then I called DA office, my local police precinct and went to the precinct to complete a report and provide emails and copies of bank records. I also informed my loan originator, seller 's real-estate agent about this and told them not to send any emails to my old email address since I believe it was compromised. On XXXX I spoke to a Detective from XXXX XXXX in XXXX and sent documents to him. 
I hope that you can also assist me in this case. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CA

Complaint narrative:
To Whom It May Concern : I believed BofA had committed a fraud on my EDD Benefit Payments. 

On ( XX/XX/2021 ), EDD had paid me 4 ( {$1500.00} ) and 1 ( {$750.00} ) benefits payments to my BofA Card. On the same day, BofA emailed me that 1 ( {$1500.00} ) and 1 ( {$750.00} ) was denied????

I called BovA, they told me that the rest of the payments will be deposited later because BofA wont allow too high of a payments transferred in one day. 

As of today, ( XX/XX/2021 ), Bank of America, still hasn't direct deposited the missing payments of 1 ( {$1500.00} ) and 1 ( {$750.00} ) from my last EDD payment. 

I checked my XXXX XXXX XXXX  deposit, still ONLY, 3 ( {$1500.00} ) was deposited from the ( XX/XX/2021 ) payments. 

* Missing 1 payments of ( {$1500.00} ) and 1 payment of ( {$750.00} ) have NOT been direct deposited to my XXXX XXXX  account. 

I had received 1 ( {$1500.00} ) deposited ( XX/XX/2021 ) BUT is for this week EDD certification, NOT ( XX/XX/2021 ) payments. 


help, 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 monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: LA

Complaint narrative:
The Credit Reporting Bureaus, XXXX, Equifax and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I got these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have submitted multiple requests by mail to have the initial and extended fraud alerts removed from my credit report and they refuse to do it

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have submitted multiple requests by mail to have the initial and extended fraud alerts removed from my credit report and they refuse to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
This account is not mine, I do not recognize this item. I would like to apply investigation as this is a fraud. Please remove it asap

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