vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.

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 2020-05-19 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 recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.

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 2020-05-19 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: CA

Complaint narrative:
I closed my account with Capital One Walmart card on XX/XX/XXXX. I had paid the balance off. On XX/XX/XXXX a charge was made for {$18.00}. I did not authorize this charge and was not aware of payment due. On top of that, Capital One charged me a late fee of {$18.00} plus an interest charge of XXXX cents. 

I dont consider this a fair business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX fraudly charged my checking account without approval. I do not have any relationship with Barclays. The money was transferred without my approval and authorization. The fraudly charges range from XX/XX/XXXX to XX/XX/XXXX with a total amount of {$30000.00}. 

I called several times to claim this issue. The operator and supervisor could not solve the problem. The supervisor decided to hang up the phone directly.

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 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
I've been harassed from XXXX XXXX XXXX with the same debt before that I don't owe, ever in my life have had business with XXXX XXXX XXXX, XXXX. Now I got another letter from Credit Control , LLC dba Credit Control & Solutions, LLC for the same debt {$570.00}, which is on someone else with the same name but different address. I requested to XXXX XXXX investigate the social security number that person used to get that credit card at the time, and if that information matches with my number then I am a victim of identity theft. Because I can guarantee you that I don't owe that money. 
You can see the documents attached the address does not match with mine, i never have lived in that address.

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 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Have been called repeatedly by this company non stop for three months and have informed them to do any further communication by mail and to cease phone calls and now being threatened by mark on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was used without my consent

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 non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
I have experienced extremely poor service. The first instance was difficulty in securing an appraisal, this process was delayed which resulted in jeopardizing my ability to complete an inspection within the 3-week window of having funds transferred to escrow. Next, I have received multiple conflicting and inaccurate closing disclosure documents. The first is dated XX/XX/20 where I noticed that the sales price of the home was incorrect. The second dated XX/XX/20, inaccuracies were detect by me that included the loan amount. Finally, another disclosure was issued XX/XX/20 where the mistakes appear to be corrected however I feel extremely uncomfortable working with this leader following the blatant negligence. More importantly, on Friday XX/XX/20 I spoke to a manager regarding my concerns that these errors will result in delaying the close of escrow as well as my document timelines. To which I was assured that the closing disclosures would be corrected the same day and resent however this did not occur. Also, a nominal fee reduction was discussed and is not reflected on the XX/XX/20 disclosure. Escrow was expected to close XX/XX/20 however due to this company mistakes, I am at risk of my rate lock expiring and losing my {$3000.00} escrow deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 REVIEWED MY CREDIT REPORT FILE AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. THE ACCOUNTS THAT I AM DISPUTING MUST ALL BE FRAUD RELATED. I TRY MY BEST TO KEEP THIS TYPE OF THING FROM HAPPENING TO ME BY BEING EXTRA CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS CAUSED A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 REVIEWED MY CREDIT REPORT FILE AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. THE ACCOUNTS THAT I AM DISPUTING MUST ALL BE FRAUD RELATED. I TRY MY BEST TO KEEP THIS TYPE OF THING FROM HAPPENING TO ME BY BEING EXTRA CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS CAUSED A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau is reporting a medical bill to XXXX  that I believe was fraudulently incurred by someone I know using my information. I did not believe I incurred this bill and I have informed them ( disputed the bill ) in writing. They acknowledge that dispute on my credit report. They claim the dispute is resolved but it was not. 

I believe California Business Bureau has violated numerous laws and continues to willingly do so. 

It was already on my credit before they even attempted to communicate with me let alone validate it properly. This is a violation of the FDCPA. I have a right to have a debt validated BEFORE being reported by a 3rd party. 

During the dispute process I requested validation of the debt. This was done in writing. I have never received a response to my request for validation. Failure to respond to a request for validation is a violation of FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX and if this is not removed I intend seek damages. 

The only thing I have received is a single bill with very little information about the alleged bill. They have refused to provide a detailed itemization sufficient to show that the debt was valid, that contains enough detail to meet the standard established by case law Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ... They have not given me proof that the collection company owns the debt/or has been assigned the debt. This is basic contract law. They have not provided a copy of a statement from the original creditor. 

I believe that it was retracted by the original service provider and has a XXXX balance for quite some time now and they continue to knowingly report it inaccurately which is a violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My information was used without my consent

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 2020-05-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was used without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX I agreed to forfeit my Wells Fargo XXXX XXXX 'exit draw ' of XXXX. 
At this point I was about 3 months behind on my mortgage. 

After two failed attempts at requesting a Loan Modification directly through WellsFargo I proceeded ( XX/XX/XXXX ) to use XXXX to submit a request for Loan Modification. 

On XX/XX/XXXX, WellsFargo applied my XXXX exit draw check directly to Principal Balance. Yet my past due ( now at 7 months ) kept my home in Foreclosure status. 

On XX/XX/XXXX, Wells Fargo accessed XXXX in additional Attorney fees to my Mortgage. That is 1 week after accepting my XXXX. 

I am unable to get a Justified Recast, for Wells Fargo states I have a past due. Without acknowledging the recent payment of XXXX ( applied to principle only ). 

Wells Fargo is denying a Recast/Loan Modification of my Primary Residence.

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 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services
State: MT

Complaint narrative:
In XXXX of XXXX I went to the VA with a medical problem that they sent me to XXXX Hospital ER to be seen for what they thought I had a XXXX XXXX. The hospital was to bill the VA for the services they provided. I did not know what happned but the hospital billed me insted. The reason I did not recive any mail as we were homeless and could not recive any mail. When I found about the bill it had gone to collections the, bill was for over XXXX. I then called the hospital to find out why they had billed me and not the VA. They told me that they did'nt know they were to bill them. Then the hospital called the VA, and was told that they that that they were not going to pay the bill as to much time had passed since the time I was seen. The hospital then sent me forms to fill out to see if I could be forgiven on the past bill, so I filled out the forms and sent them back. I did not hear back from them for about 3 weeks, so I called them back this was about mid XX/XX/XXXX. I then learned that they could not do anything becouse it had gone to leagle, and I would have to deal with the collection company. Then on about XX/XX/XXXX I got a letter from the Hospital stating that I could recive services at no cost to me untill XXXX XXXX but not forgive the past bill. I then called the collection Centron Collection Services to try and see what I could do to resolve the bill I had with the hospital. The call started off with them asking for my account number I told them I don't know what it was. so they asked for my name and we went from there. I told them that I wanted to make payments on what I owed for the hospital bill, that is when they wanted to add my wifes bills that I didn't know she had and that I had to pay them also no matter what, and I could not pay just on my amount. So I agreeded to pay XXXX a mounth. But becouse of all the mixups with the hospital and the VA and now collections, it is very hard to go from homeless to home ownership. the VA shouldhave payed the bill no matter how long it has been and the hospital should have billed the VA. This is a on going problem and the VA and they should pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient Solutions Inc. is claiming that my son ( the student ) co-signed for the Sallie Mae private parent plus loan which he did not. I have requested a copy of all documents pertaining to loan # XXXX and have not received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: WA

Complaint narrative:
To whom it may concern, Square credit card processing is Currently withholding up to 30 % of all transactions for up to 120 days! They do not get permission or properly inform their customers and we are getting blind sided at the worst possible time. Who could possibly sustain their business if square holds all your profit? This is a horrible thing to do to customers. Especially during the covid-19 crisis. They already withheld over {$1200.00} from my company this week when we are just getting back to work. Please help me share what is happening and stop what this horrible company is doing to people and business. On XX/XX/XXXX they withheld nearly {$1200.00} from a {$3800.00} transaction and on XX/XX/XXXX they withheld about {$190.00} from a {$580.00} transaction. They will not release these funds until mid XX/XX/XXXX. At this rate they will destroy small businesses using their service. I have been using square since XXXX and they just recently implemented this reserve system. I never agreed to the changes and the notification letter they sent in XX/XX/XXXX ended up in my spam folder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
I currently have a VA Housing loan that was sold to Mid America Mortgage , Inc. in XX/XX/XXXX. It is a rental property and due to the COVID-19 crisis the current tenant has not paid the rent ( which is used to pay the mortgage ) in two months. I have been able to cover this payment until recently. I bought this property while I was in the XXXX right before the housing market crashed in XXXX/XXXX, the XXXX transferred me so I had to move, and still owe more than what its worth which is the reason I have to rent it. 

Due to COVID-19 protection and the CARES act I can not evict this tenant. The local magistrate will not start eviction proceedings until at least XX/XX/XXXX. 

I called this Mid America Mortgage lender for forbearance under the CARES Act, and the said that they can differ payments up to 90 days but at the end of the 90 day Forbearance period the entire out standing balance is due. They said that since this is a VA Loan they will NOT renegotiate loan terms to add the time during the Forbearance period to the end of the loan and that any loan renegotiations will have to be done at the end of the Forbearance period. 

They Specifically stated that the best way to proceed is to NOT make my Mortgage payments then TRY to renegotiate at the end of the Forbearance period. They also said that they could not send me this guidance in writing. 

All Im trying to do with this company is renegotiate the terms of my loan based on COVID-19 hardships and the CARES Act which was enacted to help. I find it concerning as a XXXX XXXX and XXXX Veteran that the company would not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I began an application for refinancing on my current mortgage on XX/XX/2020 with LOAN DEPOT, LLC. As of today, XX/XX/2020 the refinance has not happened. There have been several delays to the process, of which I was not informed ( apparently, some time in XXXX the application was suspended, but I only found out about in XXXX ). My loan officer has not kept me abreast of the situation. One of the delays was due to a loan processor contacting HUD to get information on subordination, related to a grant, rather than contacting the local jurisdiction that issued the grant. I only learned of this after making several calls to the company and then requesting to speak to the supervisor. On average it has taken one week to get a response from the company, if I get a response at all, which has also contributed to the delays.

Based on my call with the loan processor today, closing could happen at the end of this week, but I have yet to receive closing disclosures. I emailed them two weeks ago requesting an updated disclosure and as of today, I have not received them. After several calls to the complaint department and spoke to a manager, he discussed apply a credit. Now when I call him to discuss the credit, he does not return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation