vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2017. {$16000.00}, Fraudulent account from Bank of America

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 2020-02-18 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My XXXX XXXX credit card posts charges from PayPal to my account. I do not have a PayPal account, nor have I ever given PayPal my XXXX XXXX credit card number, let alone authorize them to forward charges to my credit card account. When I question a charge both PayPal and XXXX XXXX tell me that I must contact the company making the charge. In a current case, the charging company " XXXX '' has no address or phone number on the Internet. Neither XXXX XXXX nor PayPal can provide either. My Internet search reveals numerous complaints about this company, alleging fraud. 

PayPal forwarded a charge To my XXXX XXXX account from XXXX on XX/XX/2020 in the amount of {$22.00}. This is not the first time that charges have been made through PayPal from unknown companies, but it the first time I have tried to investigate and pursue a complaint. 

I have requested PayPal to stop accepting charges in my name from anyone, but their customer service representative expressed doubt that such could be done. 

I have requested XXXX XXXX to stop accepting charges to my account from PayPal. The only redress they offer is to cancel my current credit card and issue a new one - in 10 days, unless I pay them {$20.00} for faster service. Can consumer protection laws help me in anyway?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  XX/XX/XXXX XX/XX/XXXX or the XXXX of XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me XXXX  let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so XXXX   handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got XXXX XXXX with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  XX/XX/XXXX XX/XX/XXXX or the XXXX of XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me XXXX  let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so XXXX   handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got XXXX XXXX with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )

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 2020-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Repeated phone calls from Well Fargo Dealer Services XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2020 called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2020 called at 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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage with American Servicing company. I had a financial hardship. I was denied any type of lost mitigation. My home was illegally foreclosed on. Now this creditor continues to report it late every month and it has been over 4 years. THIS WAS AN ILLEGAL FORECLOSURE. They continue to report inaccurate information on my credit file. After so long they can't continue to report late payments every month. They drop my credit XXXX points every time they report the late payments after all of these years

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 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Dear CFPB Team, I was a victim of identity theft in XX/XX/XXXX. I obtained a police report. I received phone calls from Apple about a Apple Credit Card which I reported to Apple on about XX/XX/XXXX this was a fraudulent account. Apple turned this over to collections. 

Goldman Sachs which is the financial institution that administers this credit card throughout the month of  XX/XX/XXXX and XX/XX/XXXX continued to make collection calls on a known fraudulent account after told to stop. My credit report had a negative finding of this outstanding account. After contacting Goldman Sacks corporate and going through numerous barriers it was removed but there are still references of Apple and Goldman Sachs on this account. They never had my permission to call my cell and continued to call after told to stop and informed this was a fraudulent account. 

Please note both Apple and Goldman Sachs agents refused to provide documentation of this fraudulent account in order to add it to my police report.

Attached is the police report, verification my cell is on the Do Not Call Registry, call log, and redacted credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX   acting as a debt collector on behalf of XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

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 2020-02-18 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: NJ

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA was contacted XX/XX/XXXX to stop automatic draft for a vehicle traded in. USAA told me it was cancelled. On XX/XX/XXXX usaa drafted my {$780.00} ( without my consent ). As of today XX/XX/XXXX USAA has still not returned my money, taken without my consent. They keep delaying how long it will be to give me my money back. USAA has given multiple different timelines from 15 days to same day deposits to 3 days check mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/XXXX - Sent letters to XXXX, XXXX, and Experian disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, XXXX, and Experian responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, XXXX, and Experian. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, Experian has the dispute currently under review, and XXXX has not responded to my method of verification request.

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 2020-02-18 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: CA

Complaint narrative:
I am victim of identity theft as a result of a previous illness. I have contacted Experian 18 times to date to please correct the errors. Experian has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered onXX/XX/2020.

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 2020-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
Dear CFPB, I have been working on selling my home as a short sale since XXXX of XXXX. Roundpoint needed to get a lien released for {$5500.00} that we couldn't pay for so it was initially closed. My real estate agent then was able to resubmit the paperwork and we were able to get into a short sale again. The bank needed that lien released for {$5500.00} and we had to borrow money to get this lien released. We were told that the file was complete various times. And now the short sale is closed and we have a foreclosure sale date for XX/XX/XXXX. We are asking the consumer finance protection bureau to investigate the Roundpoint mortgage services Short sale review practices. We were ready to close on the week of XX/XX/XXXX and now they are denying the short sale. I am worse off now than I was before, I'm more in debt and would like to avoid at all costs having a foreclosure on my credit.

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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
XXXX on XX/XX/XXXX sent notice they were transferring my loan To A Freedom Mortage. And By law they must notify Me who they are within 15 days with the Loan no. And where to send the payments to. I heard nothing from them Until today XX/XX/2020, stating I am Past due on my XXXX XXXXpayment. ( I never been past due on any Payment, I even pay an extra {$1000.00} a month to pay my 30 loan off in less than 7 years. ) I called and spoken to 2 reps, saying they didn't have to notify me within that time period.I received the notice 17days past the due date and that was legal. They will not modify the date because I should have paid it on the first. ( Without any information about my loan, Loan no. or where to or how to pay it. )

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 2020-02-18 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: FL

Complaint narrative:
I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2020-02-18 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:
I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I have contacted the company 3 times. Sent letters asking for proper validation of debt owing with my signature and they always send me some type of computer generated letter. The amount is for XXXX from back in 2017. According to law they need to send me documentation with my wer siganture proving this debt is mine. My husband was also told that this debt was his but yet the credit bureaus couldn't verify so it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Owe 1 past due car note payment and the car company has called me over 4-5 times a day ... everyday for 1 car note past due payment..this company also calls after XXXX XXXX in the evening concerning payments..the company also have representative who call my spouse multiple times a day regarding my debt..the company representatives sometimes call ( name on caller ID ) and dont say a word ... this company is atrocious on how they handle debt from consumers and they should be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Complainant is presently applying for a mortgage loan modification. CMRE FINANCIAL SERVICES acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX  acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX  acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

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