vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: Lending Club Corp
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have a loan with DPT ED/XXXX, XXXX/NAVIENT, XXXX and US DEPT ED. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DPT ED/XXXXXXXX, XXXX/NAVIENT, XXXX and US DEPT ED with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I had a problem making a paying To my capital one credit card, at the beginning of the whole coronavirus pandemic. I called in to customer support to defer my payment. I was told by the representative that that wasnt possible because they had closed the credit card account due to 2 payments being kicked back by my bank for insufficient funds, bc as we all know, the banks manipulate the transactions, withdrawals/deposits for bills. So capital one closed the account, and the rep told me they wouldnt defer not even a single month bc the account had been closed. Being that I was effected by the pandemic, I was not able to make the minimum payment for that month of XXXX, as I had not a single dime coming in, so I missed one month, but before the second month, I was able to make a payment of {$160.00}, but the payment was late. For the 3rd month, I got my statement w a {$680.00} Minimum payment Due, and {$450.00} past due amount. Now at this point Im 36 days past due and reported to the burrows. I called a few days ago to see if they would work w me in any way, or do anything for me, and was pretty much told to go XXXX XXXX XXXX myself, and was offered NOTHING. The balance on my card is over {$6000.00}. How can they do this, not offer any help during such a time, the whole world shut down, and they didnt offer not a single thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the second time I reaching out, I never Authorized this Joint account that is on my Fraudulently on my Experian Account. Please remove 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 2020-08-15 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX  data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to remove a fraudulent address on my report but Equifax refuses to take it off of report. I have documented proof and have had 2 phone calls where they stated they would delete however it never comes off. I have proof attached. On the attached file it clearly states deleted but its still on there. How is this even legal? Under the FCRA it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage falsely reported our mortgage as being in forbearance. We have a perfect payment record and have never requested deferral or forbearance. They did this in the middle of a refinance and it ruined our refinance. My lender needed a one sentence statement : " We never solicited deferral or forbearance in conjunction with any of our loans with PHH. '' They refused to provide this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: OK

Complaint narrative:
Recently disputed an amount owed to XXXX apts for a collection of eviction and rent debt automated collection has taken over the account. The court judgement shows for {$730.00} but they are validating to the credit report agencies that I owe over XXXX. I sent 3 letters to them to verify the debt and still havent gotten a reply. Credit agencies are reporting they they are responding that the amount is correct. I have my court documents showing other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi shut down my double cash rewards account a couple months ago and under the circumstances feel I am entitled to the cash back of approximately {$220.00} I earned this statement period Citi had shutdown a savings account that had over {$100000.00} in it a couple months ago that was never overdrawn for no reason. My credit card got closed with no notice and the only explanation they gave me was that they decided they didn't want to do business with me after closing the savings account. 

This account was never late and paid in full every month. In the five years I have had this account I didn't pay any interest. 

My complaint is that I made a couple large purchases that would have gone on another card had I been given notice they were closing the account as opposed to giving Citi the transaction fees. They conveniently close the account mid-period with no notice so I couldn't get the rewards I earned. I feel they should have given given my notice and closed the account after the cashback posted. 

I feel citi should have to give me the cash I earned this billing period seeing the account was not past due and ALWAYS paid within their terms and they closed the account without reasonable cause. If I decide I don't want to do business with Citi anymore and close the account before the statement closes, I am still expected to pay citi for the charges incurred those days the card was open and Citi should be expected to the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I have a loan with XXXX and CREDIT COLL ( Original Creditor : XXXXXXXX XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Utah System of Higher Education
State: CA

Complaint narrative:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MN

Complaint narrative:
I sent letters out certified over 70 days ago and no one has reached out to me. This is not right and I fell taking advantage of.

Company response to consumer: Closed with explanation