vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 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: GA

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 non-monetary relief
Consumer complaint received 2019-12-29 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: GA

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 2019-12-29 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: PA

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 2019-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I logged in my account on XX/XX/2019 and I noticed my accounts were frozen and could not use my debit cards and I didnt get my payroll direct deposit. I also have a business account with this bank and Im not sure what is going on. Customer service did not give a reason for my accounts being closed.

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 2019-12-29 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: FL

Complaint narrative:
this account was opened by someone else identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Debt was garnished out of my payroll check. Amount paid as agreed. Debt agency refused to correct my credit report as stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The company 's website does not work at all and keeps giving error messages upon login. The company continues to have issues ongoing and I was assessed a {$30.00} fee due to one of their website issues. I CAN'T EVEN LOG IN TO PAY MY BILL. NOBODY ANSWERS WHEN YOU CALL OR YOU GET SOMEONE WHO IS COMPLETELY CLUELESS AND UNHELPFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: PA

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. 
Those accounts are resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX a call was placed to Wells Fargo Dealer Services to see about a 2-3 month deferment due to a large financial change to where I would have to take over mortgage payment of a family member 's home due to job loss. I was denied being told that I had income and that the financial change of that type does not qualify. I when I was able to a a little breathing room I made a payment of {$800.00} to Wells Fargo to cover at least one payment as I was already a month behind. 

On XXXX I was diagnosed with a medical issue and spoke with Well Fargo on XXXX to advise them that I am going on XXXX with no ETA of return and that I am currently waiting XXXX   XXXX payments so that I can continue payment. Wells Fargo wanted me to give them a call on XXXX to advised them of when I'm making the payment. After that phone call on XXXX I noticed how " helpful '' Wells Fargo would be considering my current health issue. I did not call them until XXXX advising them that I have not gotten my XXXX money yet, they advised that a letter for repossession was sent out on XXXX which I have not received. I had advised them that my XXXX is still pending and I'm currently awaiting approval and my XXXX end date is XXXX depending on the status of my medical condition I will be returning to work afterward. They denied a deferment stating that I did not have any income. I told XXXX XXXX, that you can go verify with my employer of my current employment status and was told that they won't do that. So my question is which is it ... income or no income to get a deferment and why lie to your customers. 


This is bad business practice for a bank where they only care about themselves and not their customers.

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 2019-12-29 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: FL

Complaint narrative:
Equifax has a fraud alert on my credit file that I have placed. They will not remove it and keep asking for my dL and ss info and address that I have sent copies 3 times now! 
They send back the same letter requesting the same info. Im done dealing with these XXXX I want the fraud alert removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has a scheduled sale date even with a pending modification. Illegal. Dual tracking. I have contacted WF numerous times. XX/XX/XXXX was most recent. They would not speak with me. They said that bc there is a pending lawsuit I must speak to their attorney. I do not have not been assigned a single point of contact. XXXX XXXX was, and she sent me a letter dated XX/XX/XXXX to submit all paperwork for load modification review. Which I did. I faxed to the number provided and faxed to XXXX, their attorney. I have emailed and called XXXX for status of review and if file is completed. I sent all requested docs, faxed to his office as well. I emailed and left a voicemail at XXXX with his assistant on XX/XX/XXXX. I requested postponement of sale. have not heard back from anyone. 
On these I emailed XXXX asking if the mod package was complete. He did not respond to this date. I also called Wells Fargo on these date and they said talk to XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also, attorney XXXX said he received bank statements. Those were duplicates sent with initial package on XX/XX/XXXX. I dont know why re emailed and said he received them. I dont know if he was confirming it on that day from the fax he received on XX/XX/XXXX. Maybe it was left in the fax machine. I have confirmation that all pages were faxed to him on XX/XX/XXXX and no fax record print out shows anything faxed to his off on XX/XX/XXXX. 
1. You can not have sale date scheduled w a mod package being reviewe 2. Even with multiple attempts to confirm that w everything was received, wf has failed to respond Note : I refers to my wife and or myself contacting Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
The company CREDENCE RESOURCE MANAGE with address XXXX XXXX   XXXX, XXXX, MI XXXX USA placed in my credit report a collection for a XXXX on XX/XX/2019, but it appeared in my XXXX   account on XX/XX/2019. I tried to find Credence Resource Management Website to write them by email but apparently they don't have one. On XX/XX/2019, I contacted Credence Resource at phone number XXXX and spoke with XXXX XXXX. I gave my name, address, phone number and last 4 digits of muy SS number to validate my identity but he requested my full SS number. I told the customer representative to validate my information and identity with the information I gave him but, he continued asking for my full SS number which I refused. I contacted XXXX XXXX at XXXX and spoke with XXXX XXXX to verify if I have a due balance with the company and upon verification, he notifies me that my balance as of today XX/XX/2019, is XXXX. Also, I asked XXXX XXXX from XXXX XXXX if his company has also the name XXXX XXXX  which he responded that their name is only XXXX. Searching the Web for Credence Resource Management at forums I found that Credence Report Management is a scam company using the tactic of money collection. There are many complaints about this fake company calling for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened Bank of America Premium Rewards credit card in XXXX, which include annually {$100.00} Airline Incidental Statement credit qualifying such as baggage fees. 
I made a baggage payment of {$30.00} on XXXX with XXXX XXXX XXXX however, never receive the Statement credit. ( I still have {$30.00} credit allowance in 2019 on my account ) Called BOA customer service and they told me {$30.00} credit will applied on my account after current statement closed. 
Today is XXXX, which my last statement was closed over 7 days, I still do not see the reverse credit applied.

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 2019-12-29 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
Someone has fraudulently been using my identity for XXXX XXXX. I disputed the aargon agency fraud but they refused to remove it and said it was accurate. I went to the hospital and requested documentation of the persons who authorized service at the emergency room and they refused and said they don't need to provide a signature or the original documents. I then filed a police report for fraud and sent it out to aargon agency, the hospital, and XXXX. They still refuse to remove it from my credit report. Please help

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 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
This is about Enhanced Recovery ( XXXX {$1800.00} ) Hi this debt was removed off my credit report, it was a mistake by the XXXX / XXXX cable company. They removed it and deleted it from my credit file. they also gave me an apology. this collection company purchased my info from somewhere and trying to collect a debt that I don't owe. XXXX spoke with me by phone and told me I have XXXX debt with them. please remove this again off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Within one months time trying to get a loan consolidation with income driven payments, I will receive several different emails about repayment. I general end up calling them to understand the information that was received that doesn't match what I was told. Most of the time, the representative doesn't help resolve the repayment issue I have been having. After years of calling, I finally talked with a Mrs/Miss XXXX that was very helpful. After which my communications with the providers are very confusing. First week of the month I get an email stating that I owe XXXX dollars for example XX/XX/XXXX, two weeks I have a full payment due which my XXXX email stated that my payment would be in XXXX by email. A few days later my email tells me that my full payment is past due. Every month it is different and I have to call to understand what is going on but they are usually not helpful to understand what is going on with my payments. Their miscommunication has caused my credit score to drop quickly. I have been attempting to do what I can but that is humanly impossible with all the miscommunication I receive weekly. This is their norm but I am very tired of it. First off, if I am having issues making my payments how can I make a payment is less than two weeks when I thought I had at least a month to become stable again. 

XX/XX/XXXX email XXXX due until XX/XX/XXXX XX/XX/XXXX email full payment due XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/2019, I tried to open a new savings account with Marcus ( Goldman Sachs Bank USA ). I received a message stating that I'd need to call the company the next day to provide further information. I did so on the morning of XX/XX/2019, and was informed that my application for a savings account was rejected due to security reasons. I asked for further information, but was told this was forbidden. This is not the first time I have had problems like this with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: CO

Complaint narrative:
well I was trying to make a purchase, & Declined & also I dON'T I should have ro do a XXXX survey when ever I want to check my balance on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hi I have been on a mission to help women in Danger from XXXX in XXXX XXXX, from XXXX to XXXX. My mission ends XXXX I do not owe a debt to LVNV Funding LLC/ XXXX XXXX XXXX. I have credit alerts and not one account should be open without a phone call or some kind of permission or alert. I did not sign a contract or give any ID I did not go into any agreement for a credit card or any account with this company. I did not Authorize anything. as I am living out the country. Please remove this again for the 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
A third party debt manager/collector is listed on my credit reports as Waypoint in the amount of {$300.00}. I have contacted them and the credit bureaus over the course of 3 months for this account to be verified and for them to send me any bill, statements or contractual agreements signed by me. They have not done so. I have provided them with forwarding address and I have not received any billing information about the debt since I began my investigation over 3 months ago. Their appearance on my credit report is hindering my financial growth and I am now seeking its removal from all theee bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
3 Credit reporting agency My Info is incorrect please correct it, I have written letters no response.

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 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
3 Credit reporting agency My Info is incorrect please correct it, I have written letters no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: IL

Complaint narrative:
I been living out of the country for over 6 years, and to my surprise as I have return home I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC appears on my report as a third party debt from a payday loan I was trying to pay off. The original amount was {$640.00} but appears on my report as {$790.00}. I requested that the company send me the updated amount owed and furnished the original collector with my new address, but no change has been made to my report and no bill has been sent to me. This has impeded my opportunity to address this assumed debt and has remained on my credit reports for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Nordstrom / TD Bank I been living out of the country for over 6 years, and I'm extremely shocked, I have return home from traveling XXXX  XXXX  in villages and 3 rd world countries. I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because. I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Called and written 17 Communications from XXXX to XXXX Walmart found out it was fraud they closed the account, two months later they open the account with a bigger credit limit. I found out they closed the account. but left this debt on my report. The Walmart does not care about me. I shared with them I been traveling to 3rd world countries XXXX  work. the rep was understanding I was transferred to security they closed the account not once but 2 times. on two different years. 

I been living out of the country for over 6 years, and to my surprise as I have return home I see this walmart debt again .Its been removed 2 times from XXXX that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.

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