vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Received an alert on my credit reports that I owe this company money and never done business with this company. 

XXXX XXXX No account information other then the name : Receivable Performance Account was open XX/XX/2020

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I initially understood the company would be freezing interest and minimum payments due to the Covid 19 pandemic. I have lost more than 50 % of my income due to the virus circumstances. Later I was informed that interest was still accruing. I do not see any help at all from this, in fact they are actually making more profit off me than normal because of Covid 19.

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 2020-06-26 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:
I have been 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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
My complaint is with Cash App, they are holding my funds for my protection after I have identified all the specifics of my identity. 
I transferred from my bank to Cash App, the moment I tried sending money to a relative it froze my account. 
I transferred from bank to Cash App {$7400.00} on XX/XX/2020 at times XXXX, XXXX, XXXX they were rejected I tried transferring XXXX at one time it canceled the next two times I tried XXXX it also rejected. 
Just me $ XXXX and the other party named XXXX were involved. 
The company the complaint is about is Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I had exactly {$130.00} on my Amex BlueBird card. On XXXX XXXX, someone at a XXXX Ive never been to charged or pulled cash off my card for {$130.00} leaving the balance at XXXX. 

This was definitely not my charge. I was shocked to see the balance go to XXXX. I wonder if an employee of XXXX stole the card number from the records. 

In any event, there should be a pattern because they wouldnt just steal from me. Are there other thefts from Blue Bird that fit this pattern? Exact balance? From XXXX who just so happens to be the vendor who XXXX XXXX uses to re-charge cards? 

Im happy to visit with someone, take a polygraph test, etc. My request is that American Express credit back the {$130.00} that was stolen from me using their card and their vendor. 

I have contacted American Express 4 times and they keep saying it was my charge. I would like the CFPB to investigate or the FTC to investigate American Express because they do not care if XXXX or others steal people 's money. I believe this could be a part of a wider scheme and a pattern is there at this store in particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
I have been 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 2020-06-26 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:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
We are supposed to close on the sale of our home Monday XXXX. Our closing agent found out that we have two lei holders. We refinanced with Mr. Cooper in 2017 but XXXX XXXX  never was taken off as leinholder. XXXX XXXX  says we own nothing and Mr. Cooper should have removed their lein. Mr. Cooper says XXXX XXXX  should have done it. I am about to lose the sale if this isn't cleared up. I have spent many hours trying to resolve this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I spoke to a representative yesterday that says both of my accounts were put a program for covid 19, and this one is not showing in the program. Your wait times to speak to someone are ridiculous. I need another paymeng waiver because I am still affected by covid 19. I want to make sure both my XXXX card and my thank you preferred card have been enrolled in a new program.

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 2020-06-26 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:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago

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 2020-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago

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 2020-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
Someone posing as an agent of Lending Tree told me I was approved for a {$500.00} payday loan I applied for. OnXXXX XXXX, they called my bank pretending to be me and made a fraudulent claim about an ATM deposit not being credited. The bank issued a temporary credit in the amount of {$1300.00}. The lender said to XXXX XXXX  them {$830.00} and the remaining {$500.00} was my loan amount. They said it would boost my credit score.  I did it. I just saw the credit in my account, the agent went over terms with me, I thought it too be legit. Now my bank account is overdrawn {$1300.00}, and they have closed all my accounts. The agent wont answer my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I, XXXX XXXX, am sole mortgage holder of loan # XXXX with PHH Mortgage. My complaint with them is : 1.Phh Mortgage has approved a 3rd party unauthorized person, XXXX XXXX , to file a motion with bankruptcy court to try an refinance my debt. 

I have not given authorization for anyone to do anything on my debt. I even sent in.writing to both Ocwen and PHH I do not give authorization for anyone to discuss my loan.

Phh should not be allowing anyone to do anything to refinance my debt because it has already been discharged in a prior XXXX in XX/XX/2016. 

2. Phh refuses to speak to.me regarding my OWN debt. They say there is an attorney by a unauthorized 3rd party shanae young. They told me to.send writing letter stating I am not represented by an attorney. I have done so and when I call customer service they still refuse to speak with me stating an attorney is involved and I explain it is not my attorney and this is my debt. I did not have this problem with prior mortgage company ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover I have reached out to your office multiple time asking you to provide me the information to who you have place discover XXXX with you first stated that you had handed it down to XXXX  but I reached out to XXXX  they stated they were no longer handling it for you and I sent you the paper work in writing. This had been going on for sometimes and your refusal of giving me any information is not acceptable on my behalf. As of this this XXXX day of XX/XX/2020 I XXXX XXXX XXXX at XXXX hrs ask of your company to cease and Desist all Further collection on this account. You have violation my rights and the FCRA as well as FDCPA I asked of your office to remove the adverse account from all four of the credit files. Immediately. I asked you months ago to note the accounts of each of the credit bureaus you refused which made this a violation of a federal and you know this is what made me Escalate in contacted XXXX  when you delete this from all four reporting agencies I asked that you sent me in writing that the unverifiable information has been removed. All you had to do is what I asked you to do months ago you were quick to run back and add the required noticed on the report in which I know you did due to the fact that I have alerts on my report if anything is added to the report other then deletion after XXXX hrs today legal action will apply due to cease and desist request I thank you for your full Cooperation and look for to your letter with the deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While I had full coverage insurance naming the bank as benefit, XXXX XXXX/Wachovia/WF put lender placed insurance on my home at three time the cost and paid themselves commissions. I was current with all payments, insurance and taxes when this happened. I asked how may people did they do this same scam to in XXXX County Florida and the bank never responded to the Judge 's order for discovery. The case was dismissed. I tendered a check of {$100000.00} through my attorney to reinstate the loan and was denied. I offered to buy my mortgage in 2010 and was denied. Wachovia wrote the loan off but refiled under Wells Fargo for a 2nd time and lost and paid attorney fees. Wells Fargo has now filed a 3rd time. I demand to know how many people in XXXX County Florida went through the same fraud by Wachovia/Wells Fargo

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 2020-06-26 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I opened an auto loan with Ally Financial in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated 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 2020-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company called me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: MI

Complaint narrative:
XXXX XXXX well the first amount there some merchant took it, it's my problem still pending stated XX/XX/2020 next amount today XX/XX/2020  from a direct deposit they holdingmy money told me i have to wait a 24 hours to try to get my money as they block a card my acount been -XXXXdollars since the XX/XX/2020 i suppose to got my deposit today they said you got it yesterday. And you fell you question asking 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 2020-06-26 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, 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 Company Inquiries : 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/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 2020-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, 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 Company Inquiries : 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/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 2020-06-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have made two requests that CFPB investigate the reason that TransUnion will not send a copy of the information that they collected about me to me. In the past they have sent 3 or more copies of their Credit report to the address that they have but refuse to send a current report to the same address. Although they send requests to the address that they have requesting that they be provided personal and private information and a verification of the address that they are using. TransUnion collects information about me that I have not given permission for them to do. I have no legal obligation to provide them with any information, whatsoever. I am only asking them to comply with the statutes and provide me with the information that they have to the address that they are currently using. 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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been dragging out my refinance mortgage application, and charged me excess fees. 

I first applied for a refinance with Bank of America during XX/XX/2019. They pulled my credit and started the application. I supplied all documents required by them as soon as I was asked for it. They asked me to trigger a XXXX process with my current mortgage bank - XXXX, which I did and for which I was charged non-refundable fees of {$250.00}. 

Then without explanation, they cancelled my application in early XXXX, and re-started another mortgage application with a different loan number, and I had to resubmit all the documents all over again. 

It has been almost 5 months since then, and we still have not closed, despite no issues with my credit score or documents. They have pulled my credit twice again since then, and have charged me excess fees on appraisal. I still have no information on if and when they will close my loan. 

I had started this refinance process ahead of my ARM mortgage re-setting on XX/XX/XXXX and had planned to have a new mortgage by that time. Unfortunately that is not going to happen and I have to pay a significantly higher mortgage on XX/XX/XXXX. 
I understand that because of Covid-19, there would be delays, but Bank of America has not offered me any information or explanation for the delays.

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