vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
I am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent

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 2020-08-20 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: AFNI INC.
State: GA

Complaint narrative:
in XXXX my XXXX son XXXX XXXX DOB XX/XX/1995 was a victim of id theft. The thieves racked up XXXX XXXX of dollars in credit card, cell phone and other misc. bills. We filed a complaint with department of aging and other entities and even put a fraud alert on his credit. since then he has been constantly being sent to collections for a XXXX bill he is not responsible for. The address on file is a unknown address and my son has never lived there seeing is that he is XXXX and lives with me. I advised the collections rep but was getting no where and this is becoming very stressful for us please help!! The amount is XXXX but its the principal. his ss num XXXX his address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ga XXXX i do not have the XXXX   account number but the collection company is AFNI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2020 I deposited 3 amounts, XXXX, XXXX, and XXXX. I had a positive balance in my account prior to making the deposits of XXXX as shown to me both on the web application for Citizens bank and the mobile application. I took screen shots of the mobile application. Two of the amounts were checks and did show on hold but appeared to credit my account on XX/XX/2020. I can show this in a screen shot as well. I had a positive ending balance on XX/XX/2020. I was charged overdraft fees on XX/XX/2020 of XXXX, 7 overdrafts at XXXX each. This caused my account to go negative and generated true overdraft transactions. I was then again charged overdraft fees for those transactions and then again today on the XXXX. At no time was my account negative where I was shown the reasoning for the overdrafts. It is deceptive practice fr Citizens Bank to have done this! I am now almost XXXX negative, XXXX that was caused by Citizens Bank and XXXX I do not have. I indicated to the that if they are seeing something different than I am on the front end application through the web or mobile then it is deceptive to the user, me. I want the charges reversed and the admittance of a mistake or a blatant misleading to the consumer. I understand if I was negative and charges went through that forced a negative balance but in this case it did not. And the overdraft charges are continuing to cause overdrafts. I called the Federal Trade Commission and they gave me your information. How can they do this to someone in this time with all that is going on? Did they think I wouldnt notice the positive balance in my checking account?? How can you cause someone to go XXXX negative??? 

I was part of a class action several years ago where Citizens did this type of thing to many people, it was determined as deceptive and many were awarded refunds. I received a refund of all the overdrafts for a period of time. 

I want the charges reversed. I did not cause this issue Citizens did, and charging me for something that was not an issue as far as I could see is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been trying to get money out of Marcus for over a month now. First I tried to wire to a third party escrow to close on a home purchase, the person on customer service took the wire information for the wire and said it would go out. I then got a call several hours later informing me that they do not wire to third parties only to accounts in my name, so I started a wire to my credit union. Then, because my credit union uses a third party bank for wires, they informed me that a wire was not possible. At that point I was able to get a person to send me a cashiers check, WAY too late to close on my house. ( I had to take a personal loan for my down payment from my mom to close ) So, knowing that it would be impossible to get money going forward I opened an account with a new bank and tried to wire funds to that account. Marcus then proceeded to lock my account and every time I try to call to get it unlocked they put me on hold while they attempt to contact someone in a specific department and 30-40 minutes later come back and say that no one is picking up. I have called multiple times and can not get my money now. The most recent call, they couldnt even find my account in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I co-signed a three-year closed-end auto lease agreement that ended on XX/XX/2020. Unbeknownst to me, at the end of the lease, the borrower and Honda Financial Services extended the lease for three months without my verbal or written consent. I wasn't notified that it was being extended nor that I was being offered credit for which I would be responsible. If I had been asked to agree to an extension of this lease I would have said no. I thought the vehicle was returned and my obligation as co-signer had ended. Under the terms of the contract, neither Honda Financial Services, the borrower, or myself, can arbitrarily change the terms of the agreement without consent of all parties on the transaction. 

During the extended period, the borrower was late making his lease payments and these late payments were reported to the credit bureau and harmed my credit. I contacted Honda and explained that I reviewed my contract and I satisfied all of the conditions of my contract and any new agreements or contracts they chose to make with the borrower should not have included myself, and minimally, I should have at least been notified. There is nothing in my signed contract or additional terms and conditions that allows for an extension of terms for which I would be obligated.

Honda has received all of their payments, the account is current, and I am not seeking any compensation. I just want them to retract the derogatory information they provided to the credit bureaus for the time period in which the lease was extended. If they choose to report derogatory information on the borrower for which they made the new financial agreement, that's fine, but I was not party to this new agreement and shouldn't be harmed by it.
I am preparing a demand for arbitration but it seems so unnecessary. If someone from Honda would review my contract they should determine the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
Ability Recovery is a collection agency on my XXXX  credit report original company XXXX XXXX, world acceptance owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by XXXX XXXX at all, and statue of limitations have passed for a XXXX account, they re aged a XXXX account to appear XXXX, this is illegal. it's paid so I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to get a home. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?

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 2020-08-20 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2020-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am a XXXX Veteran with a rating of XXXX  % and I live in Florida. My current Mortgage Company Freedom Mortgage, waited for 7 months prior to conducting the Escrow Analysis. Once the Analysis was completed Freedom Mortgage decided to absorbed my refund instead of returning my refund to me. As of XX/XX/2020 the refund amount owed was {$1500.00}. I called Freedom Mortgage repeatedly about the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I charged {$1400.00} to a Goldman Sachs Apple Card on XX/XX/XXXX in payment of six months of auto insurance premiums to XXXX. I canceled the policy at least 24 hours before it took affect XXXX because a much better offer came out of nowhere from another company. XXXX actually should never have charged me, but it did. This has been going on for over two months. XXXX claims to have returned the money to Goldman Sachs Bank or reversed the charges. Goldman Sachs Bank refuses to credit my account. I have been in touch with them numerous times by phone and through text support. I have all of those text records or all that my phone saves. Still, no money. GSs provisional credit is no credit at all. The Banks employees are masters of runaround and deceit. Im trying to get retired, but because of the pandemic my congregation and I agreed it would be better for all if I delayed my retirement. Had I been retired, {$1400.00} would be about 40 % of my monthly income. Suddenly Id have become one of those senior adults wondering how to pay rent. I dont know if this is an effort to scam a senior or just run of the mill thievery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently applied to refinance my home mortgage in XXXX of XXXX. After waiting about a month for Sun Trust to contact me, I re-contacted them and explained that I was interested in refinancing 2 loans on my primary residence - XXXX XXXX XXXX. Both are with Suntrust, and I have done business with Suntrust for over 15 years. Both mortgages are at approximately 6 %. 
I explained my situation to Suntrusts loan agent, XXXX XXXX. My oldest daughter is a rising senior, and if possible, I wanted to add a XXXX, XXXX home equity. That was not essential - the main thing was to refinance my 2 loans that Suntrust already held at a lower interest rate, as promised in multiple mailers I had received from Suntrust Mortgage. 
Instead, I was told I had to add a {$95000.00} loan associated with a rental property of mine. I also had to immediately complete my XXXX taxes by XX/XX/XXXX, ( this was in early XXXX ) even though the Federal deadline wasn't until XX/XX/XXXX. I was also contacted by the underwriter, XXXX XXXX, and provided all documents he requested as well. 
I was charged approximately {$490.00} in fees and almost immediately after my bank account was debited, I received a mail notice from Suntrust that I had been denied my refinance. I attempted to contact the phone number on the rejection notice and was placed in XXXX XXXX ' voicemail. My call was never returned. 
I feel that this was a complete bait and switch. I am a veteran and have paid both mortgages every month for the entire life of the loans. To withhold a refinance for a longtime loyal customer like myself is not just poor business, it is morally corrupt. I would like my fees returned - my home was never appraised, and my understanding that was a large portion of the fee.

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 2020-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2020-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I was sent money on XXXX. This transaction immediately was seized for review. I was informed that it would be reviewed and released in 72 hours. I've had this happened before and it usually clears up 72 hours. 
The next day I receive a request for additional information. A date of birth from a name listed on the transaction list. Not only do I not have that information that is protected information that I can not release. I reply telling them what the payment was for, and that I couldn't release protected information. I go back and forth through the resolution center, and just keep getting repeated requests for this DOB. I contacted the person that sent the money, and they tried to pull the transaction. They were told they needed to contact me and resolve it with me. So I tried using the message center. They told me to disregard the request for DOB because that was irregular and to give a information as to what the payment was for and why it was sent. Which I then did. And then I got another email stating that I didn't give them the DOB they requested and they needed the DOB. I did this 3 more times with the same results. Now I'm trying to cancel the transaction and refund it, so that the sender can try resending a different way. They keep dodging me and now I have XXXX $ that is frozen in the Paypal account because they are demanding information that would be illegal for me to give them even if I had it.

Company response to consumer: Closed with non-monetary relief