vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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. CHAPTER XXXXBANKRUPTCY/DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-06-16 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 WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
I bought a new home in LA and Loancare was my original mortgage servicer in XX/XX/2019. After making one monthly payment in XX/XX/2019, I received a letter stating that Loancare was transferring my mortgage to XXXX XXXX, so I started paying XXXX XXXX from XX/XX/2019 onwards. However, I missed the part where the loan transfer date was XXXX, not XXXX. I immediately paid Loancare for the XXXX payment when I realized my mistake and showed them proof that I had paid XXXX XXXX by mistake. Loancare refused my request to remove the " late payment '' mark on my credit reports even though I paid XXXX XXXX on-time for the XXXX payment ( by mistake ). This was an honest mistake but I am unable to convince Loancare that I made the payment to the wrong servicer. They just assumed that I was negligent with the late payment, which is not true. They were only my mortgage servicer for 2 months, yet their insistence on leaving the " late payment '' record on my credit reports is causing a huge impact on my credit scores. Please help me reason with Loancare that this was an innocent mistake and they should consider removing the " late payment '' record. Thank you.

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To who it may concern, I made a purchase of {$500.00} through XXXX, I followed the size chart they have and received clothes that did not fit. I then decided to purchase a shipping label from them. I shipped the clothes via USPS on XX/XX/XXXX to return them. I still have not received my refund. I filed a dispute with Wells Fargo on XX/XX/XXXX and called on XX/XX/XXXX for an update and was told I had no dispute rights. This is completely unfair I am now not in possession of my money or of the clothes. This is my 2nd complaint with Wells Fargo, I also filed another complaint via this site regarding a separate dispute where I received damaged clothes.

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 2020-06-16 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:
I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: MO

Complaint narrative:
Hi, I for visa prepaidcard from my prepaid center.com 4 card of each {$14.00}. It was not was not working I am trying to get this issue resolved from years back back but not got resolved. Please help on this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
Equifax has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Equifax has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: FL

Complaint narrative:
This complaint is for Experian and XXXX  I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for XXXX XXXX purchased by a debt collector that I paid it was removed but now XXXX says I have another for the same amount but through XXXX XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX  from a XXXX to XXXX but Experian and XXXX  are still sitting at XXXX and XXXX and I paid collections in all 3 I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from Experian and XXXX. I would appreciate anything you can do for me. 
Thanks 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 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2020, I received a cashiers check for {$1900.00} from a customer who wanted to purchase used appliances I was selling on XXXX XXXX. I deposited the cashiers check online through my Bank of America app. The next morning, I was surprised to learn that BOA had given me access to the funds. I was then asked by the customer to transfer {$900.00} through XXXX, a money transfer tool BOA endorses on its websites and my accounts. The transfer was to the alleged delivery person who was supposed to pick up the appliances. That evening, once the transfer was placed, I receive an erratic text message from the customer telling me he changed his mind. It raises red flags because he started hurling accusations at me and threatening me. I immediately contacted BOA, the local police and the FBI to report the incident, which turned out to be a fraudulent scam. Ive tried working with BOAs Fraud and Recall Departments and have been told I am solely responsible for the scam, that its essentially my fault, because I used XXXX and authorized it. Its been a month now and even though no resolution was attempted, I receive an email on XX/XX/XXXX from BOA telling me that the account that was affected, my checking account has been closed, thereby closing the investigation. Through this one-month period, aside from being blamed for the transaction, Ive had the BOA fraud department put a hold on my savings and checking accounts on a Friday evening, right before XXXX, when the banks closed. I then received a phone message around that time informing me of this decision. I didnt have access to any money, debit cards or credit cards for three days, including that weekend. I went to the local BOA and was told there was nothing they can do, and I called the customer service line with no luck. I had no cash or credit on me whatsoever, and a XXXX year old son who was spending the weekend with me. Also, I was told they would start an investigation and then told no, they wouldnt because they cant force the receiver of the funds to reimburse me. All along, Ive had multiple BOA agents and managers tell me it was my fault that I authorized this transaction. I dont use any online money transfer tools to make payments, but since BOA endorsed XXXX on its website and its app, I believed the transaction would be carried out in good faith and due diligence. As guardians of my money, BOA has a duty to protect me, their customer for 21 years. I want this situation resolved by being reimbursed the {$900.00}.

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 2020-06-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX  used to be a Philadelphia based bank, now it is owned by an international parent. The bank has this month filed a delinquency on my credit report despite I havent done any business with them for many years. I dont know what I have to do to deal with this hostile international institution that took over my Philadelphia bank and I stopped doing any business with for years. Isnt it enough for me to stop doing business with this foreign corporate raider that took over my friendly bank and fired the staff with whom I had decades-long relationships? Now years later I see they are attacking me on my credit report for no reason with a delinquent account report? I have not done any business with them for years ; they are predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 WAS IN XXXX  FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying to apply for a modification to my current mortgage loan with, Wells Fargo Bank. I called in on XXXX XXXX to try to start this process, I spoke to a Wells Fargo representative nut I did not get her name, she asked me questions as to why I was calling and I explained that I wanted to try to modify my current loan, so I could get a lower interest rate and lower monthly payment. The representative said that she would send me an email with instructions how to proceed with this loan modification, but I never received any email, so I called back and spoke to a different person and he sent me an email with a copy of an application form and a fax number to use, I filled out that form and faxed it to the fax number he gave me, alone with a copy of my social security declaration letter showing my monthly income from them and I included a letter from XXXX XXXX XXXX showing the amount of retire pension I received from them. I called to see if those documents were received and had to speak to a different person and explain my situation all over again to them and they said that I would have to wait to get instructions from the representative who will be handling my case ( XXXX XXXX ) so I waited but never head from Ms XXXX, so I called back and had to speak to a different person and explain my situation all over again and I asked that Ms XXXX please call me because I was having trouble logging into emails from Wells Fargo to view what documents they had received and what other documents I needed to send, but as of today 's date I have not received any calls from Ms XXXX, so I don't know if the review process for a loan modification has been started or if Wells Fargo needs more documents from me. I will include an email I sent to Ms XXXX today. 

Ms. XXXX, I received an email from you that said you needed more documents from me, I am not able to access or open this email to see what documents you need! 
I have stated this to previous representatives of Wells Fargo and have been trying to reach you by phone for over three weeks to find out what documents you need and if you have received the documents that I have already faxed to Wells Fargo, but it is impossible to reach you directly because Wells Fargo phone system will not allow me to enter your extension! 
I have spoken to numerous representatives over the last four weeks and each one tells me something different and I have asked that they relay a message to you to call me because I need to know exactly which documents you have received and what others you need, so once again I ask that you contact me by phone to help me. 

Sincerely : 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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX ran an application on my behalf by error. As a result there were many invalid inquiries on my credit report. Along with each company and XXXX XXXX XXXX all inquiries have been removed but the one from consumer portfolio services. I have attempted to dispute this inquiry with the others directly with the credit bureaus and several times with XXXX directly. Their only response is that the inquiry came from XXXX XXXX XXXX ( which I'm aware of ). Accidents happen, as a company XXXX should recognize this and conduct an investigation to resolve the issue instead of repeating information I sent them. The inquiry has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC has changed something digitally that prevents linking of accounts and digital payments. I now have to pay contractors with a credit card, and they get charged a fee. It's absurd. We used to be able to pay them via ACH by linking our bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I didn't received a billing payment that month and that created a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to get a XXXX account that comes directly out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I received no notification regarding a collection account now appearing on my credit report. The company never contacted me regarding the account therefore I was never able to dispute the validation of the debt. 

Reporting XX/XX/2020 with remarks affected by natural disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief