vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY 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 2020-08-31 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX  XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to report data from my XXXX  - XXXX Visa account which has caused my credit score to be much lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide, Method of Verification and Validation of Debt. 

XXXX XXXX # XXXX {$97.00} # XXXX {$65.00} # XXXX {$93.00}

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 2020-08-31 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX   XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$950.00} XXXX XXXX XXXX {$2500.00} XXXX CARD XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$420.00}

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 2020-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Two unauthorized debits from money market account in two consecutive months by " Shop Your Way MC ''. 
( 1 ) XX/XX/2020 = {$20.00} # XXXX ( 2 ) XXXX XXXX, 2020 = {$22.00} # XXXX We tried to call " Shop Your Way '' but needed to give them our MC # ( We do not have a MC with them ) or our SSN ( No thanks ) Our bank is handling this problem but we want others to be warned.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Capital Bank is not providing my Visa account information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: ClearOne Advantage, LLC
State: FL

Complaint narrative:
I just signed up with Clear One Advantage, a credit resolution company last week ( XX/XX/2020 ) to take over my four credit card balances and provide them payoff offers much less than what I owe, for which I am to place money into their account - XXXX XXXX XXXX in XXXX, OK, for 54 months monthly, to be withdrawn from my checking account. They have given me lots of paperwork online, and the gist of this is : The total I owe is {$15000.00} and they would payoff the creditors approximately {$10000.00}, and their fees would be {$3800.00} included in this amount, so the creditors would only get in the {$6000.00} range. This seems exorbitant, to me -- and they claim I can pay off the balance at any time if I should be able to -- but whatever it is includes their fee. Since I would be paying it off early, why should they be paid for the entire 54 months or whatever period of time is still on the contract at the time of payoff? I am wondering if you have other complaints about these companies? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I HAVE A DEBTS IN COLLECTION WITH PORTFOLIO RECOVERY IN THIS DATES XX/XX/2015 XXXX  XXXX  XX/XX/2015 XXXX  XXXX   XX/XX/2015 XXXX  XXXX  I DO NOT HAVE KNOWLEDGE IF THIS ACCOUNTS MY CREDIT IS SO IMPACT FOR THAT. I PAID A PAST DEBT TO THEM BUT THEY CONTINUE HARRASMENT AND COLLECT MONEY THAT I DONT OWN OR DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Today XX/XX/XXXX I tried to have a late fee reversed. The reason for the ( 1 day ) late payment was die to tropical storm Isaias, which left many parts of VT without power or and internet included. WE paid the fee the very next day! 
Capital one would not wave the fee because we did not fit within their criteria of a " natural disaster '' for our area code XXXX. WE also had a similar issue in XX/XX/XXXX and they waved that fee but because we are within a year, they could not wave a 2nd time ; their policy! 

I am dismayed. We are hard working Americans who have not collected anything from the Government and we pay our bills! Its unfortunate that it is people like my husband and I that are taken advantage of by companies like Capital One! 

I am asking for a review and a reversal of these charges. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I was contacted for the last 2 years for debt collectors, my family and friends too. they damaged my credit and all my financial services, in the past a I had debts but I worked with a company to paid and be free of that, but unfortunately this company keep doing the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We received letters from Wells Fargo informing us that all of our accounts will be closed by XX/XX/XXXX, with no explanation. We have 3 accounts for my wife and I, and XXXX for our adult children. We called Wells Fargo and they told us it is a business decision and could not offer more information. We had our accounts for nearly 21 years ( Wachovia then acquired by WF )

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 2020-08-31 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$950.00} XXXX XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX {$420.00}

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 2020-08-31 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$950.00} XXXX XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$270.00}

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

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 2020-08-31 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:
I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I have been struggling to make payments on my Upstart personal loan since the beginning of the COVID 19 pandemic. I believed I was in a forbearance plan but my account is still being reported as past due. I have submitted a hardship assistance form twice on the Upstart website and made a call on XXXX XXXX to inquire on the hardship request and have received no response to any of my communications. I have made many good faith efforts to get my account back on track but have received no assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2019 I charged some items to my XXXX XXXX Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: MO

Complaint narrative:
I have the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$100.00} XXXX XXXX {$26.00}

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 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I received refunds from merchants and every time I do MY refund gets put on hold like I'm not entitled to it. This is the only company that I know does this. I have bills and children to feed but money that was returned to me for canceled purchases gets put on hold. It's absolutely stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}

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 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I received my loan modification paper work, however my wife 's name was spelled incorrectly. We realized this once we went to a notary and they were not able to notarize the paper work due to my wife 's name on the paperwork not matching her Driver 's License.

Called our Mortgage Company, they said they would send a new package with updated paperwork. During this process I continued to make trial payments of {$1000.00} to the mortgage company for three months.

Once they sent me the updated loan modification papers, COVID 19 caused bank branches to close as well as all mobile notary services I called. I called my mortgage company to explain this delay. Finally setup an appointment, got my papers notarize and sent them via XXXX Overnight. 

Then received a letter of denial due to the delay in mailing papers back to LoanCare. They mentioned they I would need to do this process over again. 

I've been trying to handle this for a year now. Sending multiple applications, them denying the loss mitigation application one after another. I just received another denied letter. Filling out another application today but I feel like they aren't willing to work with me. I was already approved and showed I can make my mortgage payments moving forward. I really feel helpless and discouraged, I don't know what's going to happen to my family if we are forced to leave. 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 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
SPS Serviving Acct # XXXX My original mortgage amount in 2004 was {$370000.00} and as of todays date, my mortgage balance is {$370000.00}. This is despite the fact that I paid over {$15000.00} XXXX towards principal alone last year and that I practically pay an additional towards my principle every month. I do not understand why my mortgage principle has not budged in si many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation