vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: OH

Complaint narrative:
THIS IS NOT A DUPLICATE My initial complaint was not taken seriously as I was sent a generic response and no follow up before complaint was closed. 

This complaint is regarding the XXXX XXXX bill from XXXX XXXX at the XXXX , Ohio address on XXXX XXXX XXXX XXXX in 2018. This was an apartment complex I was living in up until XX/XX/2018. My complaint is not that it's a fraudulent bill, but rather that I never received the bill or collections notices at the correct forwarding address. After speaking to both XXXX XXXX and the XXXX XXXX XXXX, they confirmed that they were both sent to the same inaccurate forwarding address. XXXX and XXXX XXXX sent the final bill to XXXX XXXX XXXX XXXX OH XXXX. This was NOT the correct forwarding address, I never received the mail/notices, and I have documentation proving I was not living at this address at this time, or ever. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. I was never given the opportunity to pay the bill or take care of the collections notice, and my credit report is being punished..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I spent 6 years working on a loan with XXXX XXXX ; went thru XXXX with Ocwen and it was then serviced with PHH ; both lenders ignored my requests. 

Both lenders owe me {$7500.00} for work performed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I'm an XXXX XXXX Veteran using my VA home loan. On XX/XX/XXXX, I called Citizens One to inquire about options for my mortgage of {$2800.00}. I am writing with concerned frustration and irritation about Citizens One home mortgage department. I have a mortgage through them and I was hoping they could offer some assistance during these unprecedented times. Due to the recent Corona Virus pandemic and the uncertainty of work as well as the government mandates to stay home, their lack of realistic help is amiss. They informed me the best they could do is forbearance and were not offering Deference. While I understand that during normal times offering forbearance to some while they get back on their feet is suitable, this just seems preposterous for these circumstances. If they take one cent of government bailout money while people are being mandated to stay and home and NOT go to work without offering deference then they should be listed as a predatory lender and prosecuted for scamming the government. The bailout money IS NOT meant as a profiteering investment capital infusion but a financial measure to ease burdens of the public which Citizens One as of this date refuses to do. 

Most people wont be able to make up for the months of build up of mortgage payments or they will have to renegotiate their term loans to a far less desirable contract for the home owners which in my opinion is their aim and goal. This practice just seems absolutely dubious and not the intent of them needing to be bailed out. I fear that this kind of response by someone of their stature in business is going to lead foreclosures, homelessness and an overall loss of what would be society contributing homeowners. 

I hope that Citizens One will not receive any type of aide or government bailout assistance if they choose to treat their customers the way they have shown. If they do, it would be a national disgrace and travesty to have, yet again, another big business take money then turn around and stiff the same people that bailed them out that being American tax payers. 
This is a time the nation should be working together for the greater good not a time to be milking people for every penny they have. 

I look forward to hearing about any outcome so as to send a thank your letter or to escalate actions to make this a far more public awareness campaign of companies to avoid or to refinance out of. 

A Concerned XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a unsolicited letter from Wells Fargo on XX/XX/2020, stating that they needed me to unfreeze my account with XXXX  to approve me for a credit card. I never applied for a credit card with Wells Fargo. 

I am very concerned that someone applied for a card using my name. 

When I called the number provided, it was very suspicious. They asked for my Social Security number and I said no. Then they practically hung up on me. I called back and asked for a supervisor and she wanted my birth date. Again, I said no and she said she couldn't help me. 

I then went to the Wells Fargo Bank website and called their customer service number. The entire automated system sounded very different. Unfortunately, I never could connect to a person. 

I suspect this is fraud and they are posing as Wells Fargo. I don't know what to do about this problem. I don't like the fact that they have my information and that someone started an application in my name. 

I also know there have been problems with Wells Fargo and credit cards in the past. 

Thank you, 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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
Never agreed to, received or used XXXX XXXX XXXX XXXX XXXX service and/or contract details may not have been fully disclosed by company during cell phone contract initiations. This was disputed years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: NV

Complaint narrative:
There are multiple accounts appearing on my credit report that I have never opened

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 2020-04-03 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Cash Call contacted us to see if we wanted to refinance the mortgage loans we have with them for a noticeably lower rate. They said that it would be very simple and not difficult since they could use the prior applications they have on file to approve us. We went through this and throughout the process it was not as simple as they initially stated. They then drew up the loan documents and had us signed them stating that the loan was approved and therefore with the signing of the loan documents it would close within 72 hours. We signed the documents. A few days later we get a call stating that there were several other pieces of information that they needed with additional information being on items not relating to the property being refinanced. Totally unrelated documents were being asked for such as rental agreements on other properties and documents of other properties. They never closed the deal. As signing the loan documents there was a clear agreement and commitment on their part. Cash call always has documents signed and then comes back for more documents/information as they know people will more than likely submit more information versus saying no after they say no further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I had a contract with XXXX XXXX space that was supposed to end on XX/XX/19/. I have an email confirming that the contract ends at XX/XX/19, however, XXXX XXXX refuses to end the billing cycle and billed me into XXXX. I did miss two payments for XXXX and XXXX, however, I should not be responsible for further payments. They refuse to correct the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received notices that my credit report had changed. At first I thought someone had used my information to open an account for themselves. It appears now that Paypal had opened an account in my name without any notice whatsoever. 

Yesterday I disputed the account with all three Credit Bureaus. Today, I received from Paypal a welcome letter thanking me for opening an account. I called Paypal ( calling is the only available contact method apparently ) but the wait time is, at this point in the national crisis, indeterminate. 

I've attached a screenshot from XXXX XXXX site showing details of this account. Also attached is a photo of the Paypal welcome letter. 

The Paypal inquiry brought my credit down 4 points. If I close the account, my credit will go down further. Also, I keep my report very clean : few open accounts and no closed accounts except for a loan paid off years ago. An account opened and then closed immediately will raise questions I don't want raised.

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 2020-04-03 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: NV

Complaint narrative:
There are multiple accounts appearing on my credit report that I have never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
I missed a payment and have been trying to contact them multiple times about resolving the debt and they continue to transfer me multiple times and in the end always send me to a full voice mail so I can never speak to anyone to resolve the debt. I tried telling the representative what was happening and she didn't even let me finish, she just transferred me anyway to a full voice mail. I continued to call back and kept being hung up on every time after that. How am I supposed to resolve my debt if they won't even talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclays is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.

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 2020-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX  PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2020-04-03 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: OH

Complaint narrative:
THIS IS NOT A DUPLICATE My initial complaint was not taken seriously as I was sent a generic response and no follow up before complaint was closed. 

This complaint is regarding the $ 200+ bill from XXXX XXXX XXXX the XXXX XXXX Ohio address on XXXX XXXX XXXX XXXX in 2018. This was an apartment complex I was living in up until XX/XX/2018. My complaint is not that it's a fraudulent bill, but rather that I never received the bill or collections notices at the correct forwarding address. After speaking to both XXXX XXXX and the XXXX XXXX XXXX, they confirmed that they were both sent to the same inaccurate forwarding address. XXXX and XXXX XXXX sent the final bill to XXXX XXXX XXXX XXXX OH XXXX. This was NOT the correct forwarding address, I never received the mail/notices, and I have documentation proving I was not living at this address at this time, or ever. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. I was never given the opportunity to pay the bill or take care of the collections notice, and my credit report is being punished..

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 2020-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
USBank ( hereinafter USB ) did repeatedly fail to correct the error that resulted from gross incompetence resulting from USB staffing cutbacks and their banking USB Agents. 

MULTIPLE EFFORTS WERE MADE TO ENABLE USB TO RECTIFY THEIR ERROR. 

Proof of offer enclosed. 
See Attachment ( EXHIBIT A ). Proof of fact is that I paid off my HELC in full and then borrowed the full paid off amount again to obtain a lower 3.99  % fixed rate. See USB account records from USB ( EXHIBIT B ) in USB account data file.

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