vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft COAF Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
In XX/XX/2021, I used Affirm, in conjunction with XXXX XXXX XXXX, to finance {$1000.00} at 0 % interest for 12 months. I have an autopayment setup for {$88.00} that occurs on the XXXX of every month. Affirm says they did not receive the payment on XX/XX/2021. I have sent them the image from my bank portal showing the XX/XX/XXXX payment. My bank wrote a letter showing 6 months of payments, including the XX/XX/XXXX payment, on bank letterhead. I can not get a representative from Affirm to speak with me about the issue, nor do I get timely responses to any email, text, or phone call. I do, however, receive regular threats about my credit score and impacts to future loans. I have been denied a loan solely because of this delay. Now the account is showing that XXXX XXXX payment was also not paid, even though they show that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I attempted to make a purchase to XXXX via PayPal credit on XX/XX/28. PayPal approved the purchased, but unbeknownst to me, there was not enough available credit to make the purchase. I found this out because PayPal then proceeded to debit one of my bank accounts for the amount resulting in an insufficient funds fee. I didn't know PayPal would do this, so I removed all of my additional cards and bank accounts from PayPal and had my staff accountant contact them immediately regarding this attempt to debit my bank account. I received an email from PayPal stating they had canceled the billing agreement with the merchant and I presumed it was canceled and I'd no longer be charged. To my chagrin they attempted to debit my bank account again resulting in another insufficient funds fee. I logged in to one of my other credit cards that had previously been removed from PayPal and noticed they had posted the transaction to that credit card on XXXX, a full week after I had already removed the card from PayPal. I have the original email showing when my credit card was removed from PayPal the week prior and that no charges would be posted after that date, so how was PayPal able to charge that card a full week after without authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Block, Inc.
State: FL

Complaint narrative:
FIRST ISSUE : I transferred {$37.00} to my cashapp on XX/XX/XXXX. My bank, XXXX, sent me a statement reflecting CashApp receiving the transfer of {$37.00}. Cashapp sent me a form letter over and over again each time I contact them. 
SECOND ISSUE : I am exhausted with XXXX XXXX since XXXXan Hurricane. I am disturb with your service. My latest issue with XXXX is expired XXXX transfer to another XXXX Account. So, I transferred of {$45.00} to XXXX XXXX XXXX account ( XX/XX/XXXX ). It was my mistake that I transferred funds to an expired XXXX XXXX, should have known. I am puzzle why the transfer complete thru an expired card?? It should have decline the transfer!! XXXX XXXX ( my daughter ) have not using her XXXX card for years. During to request replacement card, XXXX and I spoke to several representative ( s ) decline the replacement card due a damage ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), can not see it, rubbed off numbers. Plus, we dont remember were we were living when XXXX XXXX using her XXXX. Now, we are attaching documents the representative ( s ) to confirm our identity! I questioned the information they requested : driver license, lease, utilities bill to get a REPLACEMENT CARD to receive my {$45.00} dollars back. 

SECOND ISSUE We lived in XXXX XXXX, FL at time when Dorian Hurricane hit the XXXX  Coast. XXXX and I was in the living an hotel to shelter from the hurricane, State Emergency. The whole episode was and is deplorable! First, XXXX XXXX debit my card several times during our visit. I contacted XXXX regarding XXXX XXXX on my account when we check-in XX/XX/XXXX, they submitted late which default my account. You denied me and XXXX XXXX did again. The reservation clerk run my card for {$79.00} and some change, well, she failed to type in the right amount. So, my daughter, XXXX XXXX, paid the {$79.00} same day, hours, seconds. XXXX XXXX failed to credit my funds {$69.00} and change due her ( reservation agent ) error. I contacted XXXX investionate my dispute. I have evidence reflecting her error, XXXX denied my dispute claiming that XXXX XXXX will not give XXXX the information of the transaction. And you know what happens when all those errors do to my account?? It negative all over the place!!!!!!! My work check was debit due XXXX XXXX inept reservation agent, and you allowed all of it. Money was limited due the State Emergency yet, XXXX let them get away with it. I want to get my money back, you dropped the ball. I attaching everything I think you need. Any questions or concerns reply this email or calll me at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: MD

Complaint narrative:
I have been attempting to fix my problem with Equifax for over two years. I am a victim of the Equifax data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. 
I have filed an Identity theft report attached I have placed a claim for Equifax Data breach I have listed again, the account 's that do not belong to me. 
As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off a loan XX/XX/XXXX, {$2600.00}. The loan dropped off my FTB app, and I got a letter confirming the loan was paid off. XX/XX/XXXX an autopayment sent from my bank by mistake, {$300.00}. FTB confirmed over chat that my account was closed and they would return my {$300.00}. I received only {$290.00}. When I asked why, they first told me the {$2600.00} had been refunded, I accrued interest, then I repaid {$2600.00}. I said they never refunded {$2600.00}, and I never repaid it later. Then they admitted what they said wasn't true, instead saying that I hadn't originally paid the " payoff quote, '' contradicting the previous explanation when they said I had originally paid the correct payoff amount. They also deny sending me the letter and confirming XX/XX/XXXX over chat that my account was already closed. They also insist I paid the {$300.00} XX/XX/XXXX, XXXX weeks before I sent it. They wrongly took my money, and they have changed their story multiple times instead of returning it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX ( acct. # XXXX ) is my first mortgage and Select Portfolio/XXXX  XXXX XXXX  XXXX ( acct. # XXXX ) is my second mortgage. I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. I filed everything by fax ( XX/XX/XXXX ) from a XXXX branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to XXXX XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? I have had the 2nd loan since XXXX. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXX XXXX  XXXX. That loan has been sold many times as well. I have a buyer who has patiently been waiting. XXXX and Select Portfolio has copies of the settlement HUD. I have called XXXX and Select Portfolio several times..and each time I spoke with a different representative and was told different scenarios. I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. I am in dire default of my loan because of Covid-19. And facing significant hardship. I am trying to sell the house and XXXX snd Select Portfolio representatives are very misleading in my case. As to XXXX : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. Again, I applied for both short sales on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 checking my credit report and I saw that my score is low. I'm shocked. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this. Now I cant even apply for credit card because of these 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 2021-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I received two emails from Wells Fargo stating I had a $ XXXX balance in two accounts ( savings and checking ). A call was made and it was determined the accounts had been fraudulently opened just the day before ( XX/XX/XXXX ). A case was created. 

Coincidentally on XX/XX/XXXX a PIN number was created with the XXXX XXXX XXXX for unemployment benefits. 
( Note : in XXXX I did have benefits automatically submitted to an account at Wells Fargo ). 

Coincidentally in XX/XX/XXXX I was working feverishly with Wells Fargo to get an existing Roth IRA converted, which required a lot of paperwork that they should have already had. 

Wells Fargo never reached out to me after the initial call on XX/XX/XXXX. I made many phone calls and visited my local branch. ( The phone calls offered no relief. The visit is when I learned the fraud was committed on online. ) During a call on XX/XX/XXXX the Wells Fargo Identify Theft Operations member told me my social security number was used on the online application. He would not supply me with a copy of the application. Also during this call those two accounts were erased from my view online. On or about XX/XX/XXXX, I get a letter dated XXXX ( coincident? ) that the identify theft claim is complete and I am not liable... period. That useless letter took 6 weeks and an abundance of stress. 

I have submitted claims to many organizations including the XXXX, but have received no feedback. I am not out of any funds thank goodness, but the lack of interest at Wells Fargo is not acceptable. Personally I don't think the above is really a coincidence. All 3 credit bureaus have been contacted and I have not seen any other suspicious activity.

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 2021-10-11 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 am writing to dispute an account XXXX XXXX fraudulently opened in my name. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the CFPB. I will further pursue all of my legal remedy without further notice to XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. 

Please provide proof of claim with evidence that you have legal and lawful authority to collect? FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). XXXX  is attempting to collect a debt on the basis of fraud. Failure to substantiate the claim, Delete accounts immediately.

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 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for loan modification and was pre-aproved. 
Directed to make a smaller mortgage payment for four months trial period.

Two of these reduced mortgage payments made were put in a suspense account and deemed me late on my mortgage.

After final loan modification approval received documents with awful terms.

The new mortgage would not reflect the five mortgage payments made and included late fee attached to new payment indicating I did not pay my hazard insurance premium.

I disagreed with the incorrect documents ( 1 ) my hazard insurance and property taxes are escrowed and paid on time ( 2 ) the mortgage balance I was to resume did not reflect mortgage payments from XXXX to XXXX. I declined to sign the loan modification documents. 
I have been working with XXXX office of Wells Fargo in XXXX XXXX, IA and the mortgage balance indeed was incorrect and Wells Fargo has determined this is so. 
But the two late mortgage payments indicidated, were never late and has now affected my credit profile. Two late mortgage payments is very serious but is untrue.

I would like Wells Fargo to correct my credit profile, perhaps enlist me in a new loan modification program.

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 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not allow me to file a dispute for myself to change my address or dispute an incorrect report on my credit profile. I've called several times and they bounced me back and forth in between departments.

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 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made payment arrangements with XXXX XXXX, {$100.00} a month until paid off, XXXX XXXX agreed. I haven't missed XXXX payment, but XXXX decided to place a judgment against me anyway, which is not our agreement, Oh and by the way, XXXX didn't send me any communication as to when the court date was held or where, that's how the judgement fell in their favor, very shady Business practices! 
I was informed, that as long as I make the monthly payments on time, XXXX XXXX would not pursue a judgment, they're going back on their word.Bad Business practice.

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 2021-10-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
FROM THE DESK OF XXXX XXXX XX/XX/XXXX Credit Card Fraud Dept. 
Barclays BankXXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Credit Card ending XXXX XXXX XXXX SS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX To Whom it May Concern, Respectfully request that you reopen the credit card fraud investigation referenced above due to the following. Also submitting these documents to your CEO office and the Consumer Fraud Protection Bureau and XXXX. 
Initially reported card lost and not in my possession on XXXX XXXX after reviewing account. 
Disputed all charges from XXXX XXXX forward ( agent did not dispute all ) ( agent error ). ( {$2200.00} ) Card was fraudulently used for purchases from XXXX XXXX XXXX. Please note that there was not a Travel Notice placed on account. Your internal anti fraud monitoring should have flagged this activity as suspicious. 
Pattern of spending not inline with previous purchases as massage parlors, liquor stores, etc. Again anti fraud monitoring should have flagged this activity as suspicious at the least. 
Balance and frequency of spending as the card was only previously used for XXXX XXXX in the last year. Other than airline tickets I have never run a balance higher than maybe {$150.00}. 
Submitting documentation that proves that I was not in location where purchases were made. This includes commuter receipts for travel to and from work in New York as well as a trip to Alabama which includes XXXX, XXXX and restaurant expenses that indicate could not have made the referenced charges. 
Have requested a letter from my Corporate HR that will also prove I was in New York at work when these charges were fraudulently made. 
Additional proof and verification can be provided for additional spending during these dates for day to day expenses that would once again prove I was in New York and not in XXXX  or Florida during these dates. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX # XXXX B BRIARWOOD, NY 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 monetary relief