vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: SC

Complaint narrative:
I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. Equifax and XXXX have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NQM Funding, LLC
State: MN

Complaint narrative:
Received deceptive advertising from - XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL NMLS # XXXX The letter stated that, 'Your conventional loan ... has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. ' I checked XXXX XXXX XXXX site and did not readily identify any recent significant changes to their portfolio/salability requirements or guidelines as described in the advertisement quote above. 

https : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from Barclay stating " when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' During the month of XXXX I placed 3 orders on XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called about one month later and the customer representative told me statement credit will be applied when my next statement is posted. Now it has been more than 4 months and I still haven't received the {$20.00} statement credit.

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 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
SN Servicing Corp. has an insurance check they need to sign and send back to me for rebuilding water damage to my home. The check has been there for 2 weeks and all they have to do is sign it. I provided a self addresses envelope with postage. They are holding up the rebuilding of my bedroom, bath and closet. My wife is XXXX years old and is in the final stages of XXXX. This has been very hard on her and myself. SN said they will get get to when they get to it. To me this is elderly abuse .All they have to do is sign it and put back in the mail .They have all required information that they required and yet they sit on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.

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 2020-11-17 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: SC

Complaint narrative:
I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. XXXX and Expierian have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.

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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uptain Group, Inc.
State: AL

Complaint narrative:
Company called and was hateful and harsssing tone and stated I owed debt that I never owed. I was forced to go to XXXX in XXXX 55 miles from my home to contact the business department, phone calls had long wait because of covid. I was forced to expose myself to possible XXXX XXXX by going to a medical building to take case of the false complaint that had been paid. I put myself at extreme risk because of my age and medical conditions to take care of this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a loan from ace cash express, was unable to pay loan off and it went to collections. the company they hired to take over the matter is now calling my job everyday and now has my boss thinking that they are going to come to my job and arrest me if i do not get in contact with me. they have left the same kind of messages on my voice mail. if the keep calling i could lose my job. I don't have the name of the company they do not give name, all i have is a phone number to the company as well they are not willing give me a detail itemized list of my charges. they are also saying that the are filling a law suit in the county I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
I am trying to apply for a car loan today XXXX. I have a freeze on all of my credit reports due to having my identity stolen. Last night ( XXXX ) I attempted to unfreeze all of my accounts. I was able to unfreeze all, but one with Equifax. I have had repetitive issues throughout the years to unfreeze my account with Equifax. I called and spoke with two representatives and a supervisor on XXXX. I was able to prove my identity, but was told that I would still need to fax over my social security card, ID and a letter explaining why I sending over the documents. They explained to me that they needed updated information about myself in the system before they can lift the freeze on my account. This provides an issue for me, because they have told me that the processing time take 3-5 business days for them to process the information. 

They explained to me that they were unable to access my account until I provide them with my personal information. I have an issue with this company not only for the fact of the matter that my personal information was stolen from them due to their security breech, but for the fact of the matter I am being held hostage and unable to apply for a loan due to their inability to keep my information current. I now am in a situation where I can not apply for a loan because Equifax will not unfreeze my account for several days. 

I am looking for assistance for a quicker resolution so that I can apply for a loan. This company has made my life more difficult from the day that my information was stolen from their company. They continue to make my ability to apply for loans increasingly difficult when the ability to manage personal freezes should be a simple and seamless process. 

Although reluctant to give my personal information to this company that has not kept my information private in the past - I am willing to give them my information. However, a processing time of 3-5 days is unreasonable and unfair. I can loose out all because this company refuses to release my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I have been working with FedLoan over the past 2+ years to review 31 payments that they marked as ineligible for Public Student Loan Forgiveness , but every time I or my husband call they say the review is still pending - most recently today ( XX/XX/20 ), and there is no resolution in sight. 

The payments marked as ineligible for PSLF in my online FedLoan account are claimed to be denied due to " No Bill '', " No Payment '', or " Outside Window '' which are untrue. These student loans were serviced by XXXX at the time and I have offered to provide billing statements from XXXX and statements from my bank showing payments processing during the disputed periods, but FedLoan has continually refused this documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I certify that Equifax and XXXX has been notified through third-party CFPB of fraudulent accounts and alerts on report. Equifax and XXXX was asked to validate the account information being reported by providing original certified copy of contractual agreement. Equifax has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. Equifax has also had my information breached 3-4 times past few years including compromised accounts. 
Can Equifax, or XXXX provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Ridiculous that in the midst of the coronavirus pandemic Wells Fargo limits the number of online transactions/payments that you can make on the Wells Fargo website. I tried to make a payment to my Wells Fargo credit card account and got an error message stating that I've " exceeded the number of online payments for the month. '' I subsequently called to attempt to make a phone payment and was disconnected. I will go into the branch to make the payment which I would prefer not to do because coronavirus cases are surging in my geographic area. 

It should be noted that my payment is not late. I am trying to make an extra payment so that I can pay off the balance in full within the next few months. 

Wells Fargo is the only credit card company that I'm aware of that limits the number of online payments.

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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
XXXX of 2017, I attended a Nightclub/Lounge in Washington DC with friends and left my wallet in the car taking only my main Cash and Cell Phone. When we returned to the car the window was smashed out and several items including my wallet had been stolen. The following days resulted in {$1000.00} 's of dollars spent at random XXXX XXXX in XXXX, MD and several online orders. Thes purchases were made on Credit Cards that I quickly canceled and replaced. A few weeks later I get a Bill for a Medical Procedure. I can affirm that this is a result of Fraud/Identity Theft. 

There isn't a day that goes by that someone does not mistake me for someone else. I would assume that my generic face was used in an Identity Theft scam so that someone could tend to some Health Related XXXX. 

I have successfully disputed this on each of my credit reports year after year and it keeps popping up, citing that the debt was sold to another collections company. 

Please assist me in acquiring a notice to block this from reappearing after being deemed Fraud. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against 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 2020-11-17 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has gotten into the hands of the wrong person.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CO

Complaint narrative:
I rented a RV from a company, XXXX, in XX/XX/2020. After returning the rental, the company claimed that I had damaged the vehicle. Without asking my authorization they charged the credit card number they had on file for the full insurance deductible. 

Since XXXX did not get my approval to charge my card and since I strongly believed the damage they were claiming was incorrect, I opened a charge dispute with Citi, my credit card company. 

I opened the credit card dispute on the phone in XX/XX/2020. I did it over the phone. The agent I was working with advised me not to dispute the charge as " unauthorized '' charge because he said " law enforcement would be involved ''. Instead, they suggested I claim " goods not received ''. I took this suggestion as I did not believe this was a criminal matter. 

A few weeks later, I received a response from Citi notifying me that the merchant had responded to my dispute. The merchant that responded was *not* Outdoorsy ( it was their payment processor ) and it simply said " this charge was made for damages ''. I told Citi that this was insufficient proof to justify the charges, they sent me this : " The information provided in your most recent letter conflicts with the information used to open your dispute. Your initial dispute stated that you not received the service. Your recent response states that you have not authorized the charge. Unfortunately, while we understand your desire for a credit, we are unable to assist you further due to these conflicting statements. ''

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 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
I had made a transfer to the wrong person of 400 on or about XX/XX/2020. I contacted Cash App within 2 minutes of doing it. It states if you contact the right away they will help you recover it. 
When I sent the money to the correct person I was then ripped off for XXXX the person didn't supply the product that was promised. I then contacted them again with in an hour of that situation. They refused to do any thing about the two payments of XXXX in XXXX sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX, I add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo continuously charges me overdraft fees for the same charge also I spoke with them on XXXX and a few months back about money disappearing out of my account it shows in my account that I have a certain amount of money in there and when I tried to switch the funds over I received an alert telling me that I didn't have access to the funds. It told me I didn't have that amount in there when I'm looking at it show me, it was {$200.00} the first time and then afterward it was about {$400.00} mystery missing which I couldn't prove at the time because the money disappear I spoke with a young lady a few months ago who works at wells Fargo who admitted that they were fraudulently opening up accounts and taking money from out of people account, but she assures me that they were no longer doing that because they are under new management, well that's a lie. On XXXX the guy that I spoke to told me that I did not have enough funds in my account to cover to restaurants XXXX & XXXX XXXX which is a lie because you can not get to those restaurants and get food with no money because it will decline also I don't have overdraft protection and I did not go to those restaurants on the days they say I went so that's the first lie they told then I get charged {$35.00} each time for that two transactions plus another {$35.00} for a credit card bill two times. I hope ya look into this deeply because wells Fargo are still doing fraudulent activities and at this point because they refuse to acknowledge my complaint I will be contacting a lawyer and news station.

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 2020-11-17 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Company response to consumer: Closed with explanation