vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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:
ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE  XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXX and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )

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 2020-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to open a checking account at B of A. I was told there was an issue and was given the XXXX information to order a report. When the report came - there was no reported information, no inquiries no retail info - nothing that would prohibit me from opening a checking 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
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
SYNCB/PAYPAL SMART CON is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the account does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-04-08 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: IL

Complaint narrative:
I sent my daughter {$200.00} via Cash App because she was stranded in XXXX during COVID-19. Initially, it was flagged as fraud by my bank. The bank said to try it again in 5 minutes. I resent {$200.00} in 5 minutes, and Cash App deducted BOTH payments. However, my daughter never received the payments. I have screen shots of my XXXX account, showing they took both payments out, as well as a screen shot of my daughter 's Cash App transactions, that show she never received it. Cash App does not have a phone number, in fact due to COVID, the only way to contact them is through the investor link. The rep told me she received the money. Then he said to have her contact them. She contacted them, and they told her to have me contact them. They literally took their XXXX page down, so I suspect I am not the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/2019 my bill did not go through when it as on auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XX/XX/2020 I sent four certified letters and didn'thear anything back from any of the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Greetings I bought a XXXX XXXX XXXX from equifax on the Equifax internet site in order to monitor my scores. On the last XX/XX/2020 they charge me {$19.00} for the month of service. Two days later on Tuesday XXXX, 2020 i received an Email saying that my product was cancel and if didnt request for that to call them. So i did call them asking why this happen. They never give me an explanation so they ask me to pay again {$19.00} and say they will give a refund for the first {$19.00} dollars. After that this happens again and they said they will give me another refund but i needed to pay a 3rth time {$19.00}. That same problem happens one more times within a week and a half. I Has pay four times {$19.00} And now they dont want to give me the last two payments i made and if i want the service to pay another 5th time. This product cancel by itself i dont know why. I wanted the product but is incredible that Equifax has this problem with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX   XXXX {$5300.00} DEPT OF EDUCATION/XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TX

Complaint narrative:
ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 XXXX : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as www.bigskycash.com and www.westernsky.com. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXXm and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WELLS FARGO CRD SVC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have already filed a Police Report for somone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once.I also had a fraud account from Midland Credit Management INC XXXX Midland Funding LLC XXXX never had this account or done any business with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Complaint is against portfolio recovery associates : XXXX XXXX Claimed to have a report of a debt to XXXX XXXX credit card, the account is removed from my credit report & is fraud helmet, claims that the account is still active on credit report, harassment calls everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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:
Credit Inquiry by XXXX XXXX XX/XX/2020 is still shown on my EQUIFAX Report. I have disputed this directly with EQUIFAX 5 times but still has not been solved ; they kept saying that the inquiry is factual. This inquiry was unauthorized, which I already contacted XXXX myself to let them know. They told me that they had sent the info to all three credit bureaus yet the inquiry still remains on EQUIFAX. It should be removed since it was unauthorized ( somebody used my identity trying to open an account with Verison ). EQUIFAX what else do you need from me to work on this? It is very frustrating. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing this due to non-compliance with KOHL 'S. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-08 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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One called me on XX/XX/2019 to tell me they suspected possible fraud on my Visa account because someone had requested a new card be sent to a NY address. I reside in Florida. They said they would close the account and issue me a new card. The new card never arrived. Sometime in XX/XX/2019 there were numerous cash advances on a new Capital One account made in XXXX and surrounding areas of XXXX. I informed Capital One these were fraudulent charges and also closed in writing my previous account number. I continued to get statements and informed Capital One in writing by certified mail on at least five occasions that this was fraud. They have basically stated their investigations and ignored my documentation. I have notified all three credit report agencies and also completed a fraud claim on the official goverment web site. Capital One continues to show this as a charge off on my credit reports. I have all supporting documentation and want Capital One held accountable for this negative reporting and credit harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
Under the CARES Act signed into law recently, servicer 's of federally backed mortgages are required to allow a 180 day forbearance plan when requested by the borrower. No paperwork is required ( such as an assistance package ). You simply need to state that you are directly affected by the COVID-19 virus. In my case, my hours were reduced to 16 hours per week from 40 hours. 
Roundpoint is outright refusing to honor my request. At first they said they would only do 90 days. Then they said I had to fill out the full assistance package because I filed for bankruptcy chapter XXXX in XXXX of XXXX. It was discharged in XX/XX/2017. Roundpoint was included in the BK, but I kept the house and continued to make payments. 
There is no provision in the CARES Act that denies me the right to a 180 forbearance due to a chapter XXXX bankruptcy. 
I am requesting that they follow the law and grant me a 180 forbearance on my loan. In addition, I may ask for another 180 days under the law depending on my work situation.

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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services has contacted me about a debt that I do not owe. I spoke with the company on the phone on XX/XX/2020. I have requested that Credit Collection Services remove this information from my credit report. The company has not provided any proof to validate the debt, and when I asked for information in writing -- I was told that it could not be provided and that I would have to rely on the representations made on their website. According to the Fair Debt Collection Practices Act, I have a right to request information in writing. Their refusal to provide information in writing has made it difficult to settle this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation