vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I did not receive my Social Security payment for XXXX and XX/XX/2020. 

Social Security Administration said they sent the payment to Direct Express. 

Direct Express said they did not get any from Social Security. 

Both are ping-pong me back to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

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 2020-07-10 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:
I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

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 2020-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
After experiencing severe and ongoing financial hardship related directly to the current and ongoing COVID-19 crisis beginning XX/XX/XXXX2020 and continuing today, I contacted my private student loan servicer, American Education Services, to request an immediate extension of the Coronavirus Forbearance extension on all of my privately held student loans with AES. Upon speaking to several representatives, I was informed that this should be no issue, as all lenders were being very responsive to COVID-19 forbearances and extensions. However, upon requesting this extension three weeks ago as well as informing AES that I had been also affected by an earthquake in the Southern California area which affected my work in XXXX 2020, I was informed that this would be sent to my lender for approval and that they would also attempt to get this approved for a 90 day forbearance internally. I was advised on XX/XX/XXXX2020 by an AES Supervisor that my loans would be processed for forbearance approval within 24 hours to present, my loans held by NCT have not been placed in Disaster Forbearance, as promised, and I have not been contacted by my contact person who is a liaison for NCT, Mr. XXXX XXXX with AES, after several voice mails on XX/XX/XXXX20, XXXX/XXXX/20, XX/XX/XXXX20 and XXXX/XXXX/20. Additionally, I have not been contacted by National Collegiate Trust, and was advised " there is no way to contact this lender ''. I remain extremely distressed at this situation, and appalled at AES and NCTs handling of my situation, especially as an individual who has been affected personally by the Coronavirus both medically and professionally and financially. In addition to being severely affected by the COVID-19 crisis, due to the nature of my work, my employment has been profoundly affected by other natural disasters in my area, most recently an earthquake and the Soledad wildfires in XXXX county. I am at this time requesting immediate and urgent contact from the Executive Office of National Collegiate Trust, to ensure that my loans are placed in an immediate Disaster Forbearance as related to the COVID-19 crisis, which continues to severely affect me due to the state of California still being largely on lockdown and my employment being affected severely. Please urgently ensure this matter is resolved and my loans are placed in an Emergency forbearance as related to the ongoing national crisis. Thank you kindly in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I made a settlement with enhanced recovery company and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I had disputed unverifiable inaccurate accounts with Equifax they removed the accounts and now I am going to close my house and these accounts are back on there. I called them and they said that I need to dispute them again that these vendors are reporting again. They are violating my rights under FDCRA act. because once I disputed and they were removed Equifax is responsible to monitor my credit file and make sure they don't get added back on that's why I disputed them in the first place. They are not doing their job and breaking the law by not protecting my rights once i have disputed an account and it has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I was hospitalized because I had XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX and complications I was in and out of XXXX  for most of XXXX At that time I was unable to read mail or emails. In XXXX. I became aware that Bank of America had sent me notice that they were canceling my credit card due to nonpayment. My son made payments on my account XX/XX/XXXX {$3200.00}, XX/XX/XXXX {$3200.00}, and XX/XX/XXXX {$590.00} to pay the amount owed. I was told the account had been paid in full and was closed. I shredded the card and made no more charges. In XXXX XXXX I received an email notice that I owed {$15.00} on the account. I called Bank of America in XXXX and they said the account was closed so there could not be an amount owed and they would look into it. In XXXX.-XXXX  I continued to get notices with increasing amounts of interest added each time. I called again in XXXX and Bank of America responded that {$5.00} a month had been charged for 3 months for an on-line subscription to XXXX XXXX XXXX  XXXX. I had other on-line subscriptions that were being charged on the same card, but they all notified me that the card was no longer good and I provided them with new information. I'm not sure why the XXXX was notified like the others. In XXXX, I was applying for an auto loan and my credit report number came back considerably lower and the only overdue statements were this same account. That's why I called Bank of America in XXXX. First of all I was not physically able to pay and not able to notify any of my subscriptions. I don't think I should have to pay this bill.

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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been held up in underwriting now due to the way Shellpoint has reported the mortgage. Why is this loan reporting as in forebearance? It was removed I have had to call up and email about this multiple times in the last few weeks. 
This is against the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
Due to COVID 19 I am not receiving a paycheck and my account is currently overdrawn. I have explained this to them however they will not offer any assistance and have reported me to the credit bureaus. They continue to try withdrawing different payment amounts. The last one that was returned to them from my bank was {$56.00}. I would like for them to help me since this is a hardship situation and also remove the report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have had Vemo for a while now and I have a balance of {$130.00} on my account which started to decline one day. I contacted them to see why. They stated I need to verify my identity in which I did. I sent a copy of my ID. After that I then had to contact them to let them know my account was still locked. Then they stated they need statements for accounts I have on file. I sent the statements intermediatel.I do have prepaid accounts linking to Venmo there I sent those statements. I was then told that The statements I have are not the ones for the cards on file which they are. I even offered to have then contact the bank to verify themselves as I have no problem proving who i am. I spoke to an XXXX XXXX and he said since my card number was not stated on the account he could not take the statement. However I can not help that my card number is not listed on my statement as they normally aren't. its an account number that will be listed. Again I have told them they can call the bank themselves. They keep stating I have not verified my identity when I have sent my ID and also statements. I am demanding my funds be released and my account closed as i do not want to deal with them anymore. They are holding my funds and this is a complete scam. XXXX XXXX stated he will hold the funds for up to 180 days however if I sent everything why not release my funds now. I want to close the account after how they are dealing with this issue. I had to contact them from the beginning, The moment they froze my account they failed to contact me at all to resolve anything!. I do plan on retaining a lawyer if my funds are not released as they could easily contact the bank to verify that the acccount is mine being i sent ID and statements that will match the card on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Friday, XX/XX/2020, I received an email from Barclay for my frontier airlines credit card. It was a statement for the annual fee. I tried calling there customer service line to cancel this line of credit with Barclay, No answer, i was left on hold for 2 hours and I eventually hung up because I have my life to attend to. I've always had this problem with Barclay, customer service is SO poor. On top of that, I cant even get online to pay the card because I cant login. I've actually never logged in because I've never made an actual online account. I've tried to login with my usual logins but nothing. The forgot my password service doesn't let you receive a new password unless you have account number, which I cant see unless i look at my card statements which are online. I feel Like I'm just stuck with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section XXXX, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, I called to make my monthly payment to Wells Fargo Bank for my XXXX XXXX account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to Wells Fargo, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by Wells Fargo even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as Wells Fargo is reporting the wrong information to the credit bureaus.

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 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I made a settlement with lvnv funding llc and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
on about XX/XX/2020. {$2500.00} was send to me by my sister from the XXXX XXXX to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCXXXX XXXX XXXX XXXX XXXX XXXX Code : XXXX. The money was never deposited it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I made a settlement with Credit management and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I made an instant Cash App Cash Out Transaction on XX/XX/2020 for my entire cash app balance, which was {$15000.00}, to my new bank account, and was assured that the withdrawal should be completed in 1-3 business days. After waiting 3 days and verifying that all the information was correct, I still had not received my funds. I contacted Cash App support and they refunded me my instant deposit fee of about XXXX XXXX but told me to continue waiting as my remaining funds still had not settle in my account, after reaching out to my bank they told me they received an alert from CashApp saying the funds were to be debited, but they were never released to them, my bank is with XXXX and I have never had any problems receiving money with them before. I reached back out to the Cash App support team and they sent me the XXXX Transaction Details, and instructed me to give XXXX the retrieval reference #, which I did, and XXXX escalated my case to their HQ, which has now informed me that the XXXX Transaction Details that Cash App support gave me is actually insufficient information, and XXXX is not able to locate my funds with that reference number, instead they are asking me for a # that should be recognizable by MasterCard, as the transaction was made on the XXXX ( XXXX ) issuer network, and they have convinced me that there was some kind of error made there. Both Cash App and XXXX  use XXXX  Debit cards so im confused as to what involvement XXXX  might have, but at this point, almost two weeks later, I have received no viable response from Cash App as to what to do next. I was told by multiple Cash App agents that my case had been escalated, but still have not received any follow up. It seems as though it is impossible to speak to anybody over the phone and this entire situation as easily been one of the worst experiences of my life. I have desperately tried reaching out to Square HQ, XXXX XXXX, XXXX, XXXX XXXX XXXX, literally every company I know thats involved w/ Cash App to try to get to the bottom of this situation as I do not know who else to seek help from. To make matters worse, my Cash App account was closed about 3-4 days after my cash out but the funds never even hit my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX  XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  XXXX {$3400.00}

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 2020-07-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}

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