vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX Card, XXXX XXXX  XXXX Cards, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.

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 2021-01-15 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: TX

Complaint narrative:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX XXXX, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.

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 2021-01-16 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: MD

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was told by a representative that the payments were not late and no late fee charged, but credit report states two late 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 2021-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Due to a long-term hardship caused by Covid, my financial situation has been severely impacted. I have successfully negotiated lower payments with all of my creditors ( extended length of term and/or reduction of interest rate ) with the exception of one company - Upstart. Upstart offers a hardship plan which consists of 2 missed payment at which time the third payment then becomes bigger than the original payment because it has the late fees and payment built into it to make up for the 2 " missed '' payments. I have participated in the plan twice, but then realized that this put me in a worse situation long term, because the third payment was always going to be much bigger than the original missed payments. I tried unsuccessfully to negotiate a reduced payment or other option but the company insisted I had to once again apply for the same hardship, which does not make sense because I will always be in a worse position after those 2 " missed '' payments. I finally contacted an attorney to intervene because I want to continue paying but can not pay the even higher payment that is now demanded. Upstart told my attorney that the account has to go into Charge Off status ( after 120 days ) for them to review the case internally or sell it to a Collection Agency. This makes no sense, since after 4 months they will have permanently ruined my credit and I a willing to pay NOW. I just can not pay the even higher payment they are demanding. The company is completely ignorant to what consumers impacted by Covid are facing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau filed a collection record on my credit report. I called and provided my social number but they could not find my account have any outstanding balance. I receive a phone call next day from California Business Bureau stated that I have a hospital bill due back in XXXX which was paid back in XX/XX/XXXX. They did not verify the payment and affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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:
XXXX XXXX XXXX is reporting a fraudulent account that was opened about XX/XX/XXXX when i found out it was XX/XX/XXXX and i closed it i talked with XXXX at XXXX fraud department on XX/XX/XXXX and gave them all the info. They called me on XX/XX/XXXX and said they this account was opened over the phone so they are going to continue to report a account they cant verify and that they know is not mine

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 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru XXXX XXXX. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) XXXX XXXX directed me to call Lloyd & McDaniels Law office and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management Services serviced our mortgage. The account holder is my deceased husband. On XX/XX/XXXX, I, the surviving spouse, sold the property which carried a mortgage serviced by Rushmore Loan Management Services. When I sold the property, there was a remaining Escrow Balance held by Rushmore totaling {$480.00} that is owed to me after the debt was resolved from the sale of the home. On XX/XX/XXXX, I had confirmed with an agent that my name was added to the account and a check would be mailed to me, under my name. However, we received the check issued to my late husband, which we can not deposit. Therefore, we re-engaged with Rushmore, speaking with another agent. At that time, they requested we send the check back to Rushmore, as well as writing a letter and signing it, stating I am the executor for the account. We provided that on XX/XX/XXXX. We didn't hear anything until XX/XX/XXXX, where it was stated the letter we provided was not sufficient. We again contacted Rushmore and spoke with a Customer Service Supervisor ( XXXX XXXX on XX/XX/XXXX. He confirmed additional documentation was needed, but was unable to provide what that documentation needed to be. After our call, I proceeded to provide a copy of an attorney prepared, signed, and notarized Affidavit of Heirship and Corroborating Affidavit used to sell the home in the state of Texas. A week has passed and nothing has been resolved with Rushmore Loan Management Services. We still have not received confirmation on what documentation is required, or if the documentation provided was sufficient to collect on the remaining Escrow Balance after speaking with two different Customer Service Supervisors on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
My wife and I are looking to purchase our first home and reached out to Cardinal Financial to complete an application and obtain a pre-qualification in order to put in an offer for a house we've like. We spoke to XXXX XXXX, Senior Loan Originator at Cardinal Financial ( NMLS # XXXX ). XXXX guided us through the process and then wanted to start the application over the phone. I was not comfortable providing my SSN over the phone, and wanted to provide it in the online mortgage application. XXXX was very insistent that I give him my social. I ultimately did not, and proceeded with the online application. XXXX emailed me later in the day accusing me that I had provided a fake SSN in my application. I was highly offended, but more importantly, I'm concerned about any potential SSN privacy issue. I would highly appreciate if CFPB can investigate this case with XXXX XXXX and Cardinal Financial more broadly on any potential data provacy/fraud issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: MD

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call today on my cell phone while I was working from a " XXXX XXXX '' from XXXX XXXX in regards to two fraudulent claims attached to my name and SSN and that I have a breach of contract with the intent to harm a financial institution as well as a series of returned checks and that I would have to appear in court on them once it was filed. The debt is for a series of payday loans from Check'n Go through an online loan. I have received no written requests for payment on this debt. This would result in a civil judgement and wage garnishment. He proceeded to leave me a case number ( XXXX ) and a contact number for the " plaintiff ''. When I called the number that was left ( XXXX ), I was directed back to this XXXX XXXX. They tried to confirm my information, and did have my name, the last 4 digits of my SSN and my address, but none of the other information matched mine. I advised the agent that none of this information matched up with me and this wasn't my debt, and the agent said " good luck in your dispute '' and hung up. I was already shaken, but then got a message from my mother about an hour and half later letting me know that they had contacted her and told her they were trying to collect a debt and even confirmed some of my personal information. I was able to call the representative back and advised that none of the information they had on this debt is mine. He said he would file a dispute with his supervisor and hung up. I know contacting family members the way they did is illegal under the Fair Debt Collection Practices Act, 15 USC 1692c. They have provided no documentation on this debt and are threatening to file suit and garnish my wages without attempting to collect through normal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This account is current, I am not sure as to why this account is reporting to XXXX  and XXXX. The account is Up to date and was paid in full before being reported. 
XXXX XXXX  reported the account for Account Abuse ; Any amounts owed have been paid Date of Closure XX/XX/XXXX Original charge off amount : {$260.00} Closure status : Paid in full Closure status Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I finally received my card from edd and bank of America. The employment benefits had gone all the way back to XXXX when I had lost my job cleaning houses and visits with my newborn daughter due to Corona Virus. I was in the middle of going to court and was bouncing around homeless cause of my family 's homes being burned in the XXXX in 2018 and then my husband leaving me stranded and pregnant with my daughter. Whom I delivered on My birthday and Thanksgiving day. My friend told me about the unemployment benefits cause she knew I had been struggling and didn't even have a car. I signed up and then was sent a card and there were XXXX on it. I spent XXXX on a car and different household items for a house I was renting a room from. I bought insurance for the car for a year and then I was debating on an attorney or a place of my own to live with my newborn. However, there was the bear fire and we were evacuated from the house I was living in. I had found an attorney to stop the termination of my rights and right when I went to pay her the account was frozen or they say closed to verify my identity. I don't know if it was because I changed my address or cause I did a XXXX XXXX to myself to get more money off the card than it was allowing me to withdrawal cause I was trying to pay off some debts and get people out of my hair. That was in XXXX. Meanwhile, I finally get told I need to send proof of my i.d . I send my bank statement and my driver 's license. Which come to find out they didn't think was good enough. I had to drive to go get my birth certificate because everything burned in the fire. I get that and send that and driver 's license and that was in XXXX early XXXX. Then they say I have to file an appeal with unemployment. I finally get the paperwork for that in XXXX and send it back than I get a letter from unemployment stating I had withdrawal for child support and a XXXX $ check. I am thinking the bank should release my card now. I have been shuffled back and forth on hold. The end has stated they have released my card multiple times and the bank says they have to have a check sent to me when my card is sitting there with almost 10,000 cause funds were still going into it. If EDD had my card then how were funds still going into it!? Now it is XXXX I have lost my parental rights to my newborn and am staying with my friend in redding and have all the documents. I have even gone to the bank of America bank in XXXX in person to show them my documents to just be told to get a hold of edd. Edd is not the problem it is the bank but how do I prove to them I am who I am to release that money? This is ridiculous and so unfair.

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 2021-01-16 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Deceptive Act / Practice - I received a credit offer in the mail and email ( XX/XX/XXXX ) from Chase for Marriott Bonvoy Boundless Card with a headline indicating " Earn 3 free nights '', " 10X Total Point '', and " Platinum Status through XX/XX/XXXX ''. On XX/XX/XXXX I applied for the offer by clicking the link within the email. After my account was approved and I received the card and terms in the mail, it did not include any of the headline items indicated in the offer. I called to file a complaint with Chase customer service on XX/XX/XXXX. I called twice on XX/XX/XXXX to check on the status of the request. The first time, I was just transferred by the representative to a Marriott Reservation line. I called back again and asked to be connected to the escalation department. I was informed by the escalation department that my request was denied since I did not apply for the right offer. I have a copy of the mail and email offer including the link I used to apply. I also have evidence in my browser history of the link I used to apply and it matches the link in the email. 

The only reason I applied for the offer was due to the headline terms indicated. Chase 's action are totally deceptive and unfair. Also, it does not look like Chase took appropriate action to fully investigate the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is XXXX XXXX. I have attached my bank SS Card and DL for proof of ID

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