vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have called an company called XXXX for business credit reporting. XXXX have went over everything that is wrong with my report they said that EQUIFAX BUSINESS is reporting everything wrong even XXXX XXXX XXXX of a different business which is a HUGE VIOLATION AND ALSO THEIR REPORTING WRONG ADDRESSES.. I contacted Equifax business and spoken to several people because they keep saying they will send me a business credit report and they haven't its been a long time now over 2 months ... i called so many time to request it and they keep giving me the run around ... I kept telling them that their reporting someone elses information thats not mine ... The Codes are wrong far as XXXX XXXX, ADDRESSES ARE WRONG THE TRADELINES ARE SCATTERED WITH DIFFERENT ADDRESS ... ITS REALLY STRESSING ME AND HOLDING ME BACK ... THIS IS A SERIOUS VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They violated my rights by including inquiries, late payments, charge-offs, write-offs and collections. They violated my right to privacy and they stole my identity.

15 U.S.C 1681c ( a ) ( 4 ) 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681a ( 2 ) ( b ) 15 U.S.C 1681a ( 2 ) ( i ) 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681b ( a ) ( 2 )

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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A credit Card and a LOC was given by Wells Fargo for XXXX XXXX XXXX XXXX XXXX. I was told that it was not on a personal guarantee. On applying for another loan from another entity there was an audit where it was revealed that Wells Fargo had actually misled me and they were on Personal guarantee. This effected my application for another loan. My business already effected by the COVID 19 has caused a serious situation for my business

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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At Wells Fargo Bank, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report Wells Fargo Account PPL XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have Smeller Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well XXXX to Fix this Problem. And Un-fortunately BANK, and XXXX refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK.

I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING

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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my Equifax/XXXX Credit Report. 

-I attempted to access my Equifax/XXXX credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-Equifax/XXXX required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
First of all this account was paid in full after it was closed 4 years ago. They told me they could garnish my government funds or my employers bonus. After they said that, I paid them. Now theyre saying it was never paid. But Im trying to understand how do I even owe almost {$700.00} when I only had a {$200.00} pre-paid credit card account with only a {$200.00} limit that was never raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
was called XX/XX/2021 at XXXX individual claimed he was a debt collector for Wakefield and associates.

when I asked him to be more specific he immediately asked for my SSN. 
i NEVER RECEIVED ANYTHING IN THE MAIL FROM WAKEFIELD AND ASSOCIATES INDICATING WHAT THEY WANT OR ANY SPECIFICS. 

Phone # 'S XXXX ... XXXX heavy foreign accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my XXXX/TransUnion Credit Report. 

-I attempted to access my XXXX/Transunion credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-XXXX/Transunion required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with XXXX and TransUnion

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I received notice from several credit monitoring agencies that the USCB debt collection company has reported about a negative collection account in my name in the amount of {$100.00}. I have not received any notices from USCB and I know that the company has my address because they responded to a complaint I filed in 2019 and my address has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Im to the point that Im really considering on taken you to federal court because Im on maternity leave and Im not getting paid for it plus its a pandemic. Your bank has been giving me stress since I was pregnant with fees excessive over draft fees for things your bank caused and now a {$15.00} fee for a monthly service fee. I called the 1800 number just now and was treated very rudely my agent and supervisor the supervisor even hung up on me. I dont deserve to be treated this way. I return back to work next month and I thought as long as I kept money in my account I wouldnt be charge any fee. I need all fees taken off including this one. Thank you for your time and have a great day and please be safe. I apologize if Im being rude. Im just so tired of your bank Wells Fargo treating me this way since I was pregnant to the point my doctors are aware and your supervisor just hung up on 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
I filed my unemployment after waiting months my unemployment come in a there was XXXX ony card after activating my card I see my money was going fast I didn't know y I got online see all kinds transfer an money coming out stuff I didn't know what it was I called an cancelled my card an filled a report on my card they told me that it would be fixt in a few days 30 days at the longest it's been 6monthes an still it had not been took care of that I needed that money that was stolen from me very bad since I never got. Back the was stolen it hurte bad very bad maybe y'all, can helpe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Around XXXX of XXXX due to Covid-19, my travel business was affected. I called my servicer XXXX XXXX XXXX to request assistance. They provided a forbearance option and told me that after the forbearance period ends I would have the option to resume payment based on the information provided by the servicer. XXXX of XXXX I requested to resume payments with XXXX XXXX XXXX and they told me they transferred the loan to Fay Servicing. There was a waiting period due to transfer and I resubmitted the application for loan payment deferment and resume the monthly payments but they are saying that I should deed the property back to them. 

As Per the Care Act passed by Congress in XXXX of XXXX as a Covid relief package if a Borrower is experiencing financial hardship due to the coronavirus pandemic, the homeowner has the right to request forbearance for up to one hundred eighty days. The Borrower has the right to request for an extension for up to an additional one hundred eighty days, there will not be any additional fees, penalties, or interest added to the loan regular interest will still accrue. Other than telling the servicer that the borrower has a pandemic-related financial hardship, the borrower will not need to submit additional documentation to qualify for up to 12 months of forbearance. Upon completion of 12 months, the borrower can request to resume payment and the balance owed on the forbearance will be deferred towards the back of the loan. The monthly payment and interest will remain the same. 

Therefore I am requesting CFPB to intervene in this matter and provide a resolution based on the Cares Act of XXXX. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: SC

Complaint narrative:
Hello, I contacted village capital to get the Service Member Civil Relief Act. I called and sent several email. XXXX XXXX. I called their customer service and gave me a false email. I sent information on the general email and got a sales person. I refinanced with village capital back in 2020. They are not helping me with SCRA. I contacted them several times and it became frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
Equifax claims that the record is verified by XXXX. Please explain how this is so when you have removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have called an company called XXXX for business credit reporting. XXXX have went over everything that is wrong with my report they said that EQUIFAX BUSINESS is reporting everything wrong even XXXX/ XXXX CODES of a different business which is a HUGE VIOLATION AND ALSO THEIR REPORTING WRONG ADDRESSES.. I contacted Equifax business and spoken to several people because they keep saying they will send me a business credit report and they haven't its been a long time now over 2 months ... i called so many time to request it and they keep giving me the run around ... I kept telling them that their reporting someone elses information thats not mine ... The Codes are wrong far as XXXX CODES, ADDRESSES ARE WRONG THE TRADELINES ARE SCATTERED WITH DIFFERENT ADDRESS ... ITS REALLY STRESSING ME AND HOLDING ME BACK ... THIS IS A SERIOUS VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have supplied Citibank with all evidence of the Identity Theft, Gift Card Fraud and Payment Fraud that has been transacted on my XXXX XXXX and XXXX XXXX XXXX. All fraud charges have been re-added to my accounts though they were moved off and then on by several people in different groups without the proper documentation or or even access to each others notes. This has made this very stressful and I have sent in all evidence over 20 times now. Now the Executive Credit Unit is involved and they added everything back to both cards which is not only incorrect but based upon very poor work and communication, save three employees, in the past. The only reason I had this forwarded to the executive unit is because the accounts were closed and for no good reason other than bad information gathering techniques, bad notes and incomplete understanding of the truth which I have proved is a Fraudster ( s ).

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 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Idk XXXX XXXX informed me of a new hard inquiry and I haven't applied for any credit cards .... and ib think my identity had been stolen cause I can't answer questions to confirm my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation